Motor Insurance - Excess Amounts

[muchlovex]

On the back of my Motor Insurance Schedule it says:

Excess Amount for Accidential Damage (Own Damage Excess) Section B plus Accidential Damage Excess for Young or Inexp' drivers £0

Driver's additional Accidential Damage Excess and Special Terms
My Name £100

I am going to make a claim, damage to my car was my fault. What would be the Excess I pay out considering the above?

Thank you

[samak]

What does section B say?

[muchlovex]

I don't have the Policy booklet which they are asking me to refer to. I am trying to download it from their website, but I am having problems with the PDF doc.

[samak]

What's the link to the pdf? I can look at it and paste section B here.

[muchlovex]

oh, that would be very helpful...one sec

[muchlovex]

http://www.directline.com/motor/policy.htm

Thank you!!

[samak]

Section B is below, You need to know what the excess is on your schedule.

Section B Damage to your car

If your car is damaged, we have the option to:
• pay to repair the damage or repair the damage ourselves;
• replace what is lost or damaged, if this is more cost-effective than
repairing it; or
• settle your claim by sending you a cheque or by bank transfer.
The most we will pay
We will not pay more than the market value of your car at the time
of the loss (less any excess that may apply).
What is not covered
We will not cover:
• the sum of all excesses shown on the schedule. These may include
the ‘own damage’ excesses and ‘young or inexperienced driver’
excesses if these apply. An inexperienced driver is a person who has
held a full driving licence for less than one year.

[Ankou]

my insurance renewal came through last week and i thought, oh thats not as much as i expected. i checked the back and it said £400 compulsory excess + £400 voluntary excess.

do you think they are ripping me off!

[muchlovex]

Thank you so much for your help, Samak.

[samak]

muchlovex,

You might be better off just calling them and asking:

Car insurance claims
Lines open: 8am-9pm Monday to Friday, 9am-5pm Saturday and 11am-5pm Sunday
24 Hour Accident Recovery Hotline [phone]

[muchlovex]

Thank you Samak. I will call them as ask them to clarify.