Excess Protection is available with our comprehensive, or third party, fire and theft car insurance. Covers your full policy excess (voluntary and compulsory excesses combined). Claim your policy excess back on one car insurance claim for each policy year.
Is CDW the same as excess insurance?
Collision Damage Waiver (CDW) – is not insurance, but an agreement to waive the costs of damage to your rental vehicle if it is involved in a collision. Frequently CDW has an ‘excess’ which is the first part of any claim which the renter will remain liable for.
Can you get insurance to cover excess?
Excess insurance runs alongside your car insurance policy. It will cover the cost of the excess you pay if you make a claim against your car insurance. The amount covered is usually a pre-agreed limit and applies to both voluntary and compulsory excess.
How does excess cover work?
Insurance excess is the amount you have to pay towards the overall cost of an insurance claim. It’s usually a pre-agreed amount. Your insurer will then contribute the rest – up to the limit of the cover. You’ll see insurance excess on insurance products like travel, motor, home and health.
Does AA have excess? – Related Questions
Do I have to pay the excess if it is my fault?
You only pay the excess for your losses and when you’re at fault. For example, if you’re responsible for an accident and damage your car.
Will I get my excess back?
Paying excess for a car accident that isn’t your fault
If your insurance company have dealt with the claim, they should claim the excess back for you. If you have a no fault accident, a credit hire company can also make a claim on your behalf.
Is it better to have high or low excess?
Generally, a higher excess is considered higher risk. But it might save you money right now. If you’re an infrequent driver and mostly have your car safely stored then the level of risk may be low and the savings could be great.
Is voluntary excess worth it?
Why would I choose to have a voluntary excess? The amount of voluntary excess you have can significantly impact the cost of your car insurance premium. By choosing a higher voluntary excess, you will reduce your premium; but you will also have to pay more if you do make a claim.
What does it mean if your insurance policy has an excess of 500?
Put simply, the excess is the sum of money you’re obliged to pay should you make a claim on your car’s insurance policy. You are expected to pay if you are deemed to be at fault for the incident that caused the damage.
What does excess mean when renting a car?
The ‘excess’ (sometimes called the ‘deductible’) is the amount of money you will have to pay the rental company if your hire car gets damaged or stolen whilst in your care.
Can excess be waived?
In some situations your insurer may waive any excess that applies, and under some policies there may be no excess at all. For instance, if you are involved in a car accident your insurer may waive the excess if you were not at fault and you can provide the name and address of the person who was.
What if damage is less than excess?
If the damage to your vehicle is minor, and the cost of repairing it is less than your excess, lodging a claim is unnecessary. You can still have a claims adjustor make an assessment of the damage so you have an accurate idea of the bill you’re facing, but without any obligation to file a claim.
What is excess protection cover?
What is excess protection? Excess protection is an additional cover option for your main car insurance. Typically, it allows you to claim back your full policy excess on one insurance claim during the year-long life of the policy.
Should I get excess protection on car insurance?
When you take out car insurance excess protection you have peace of mind that you won’t need to find a lump sum of cash to pay for the excess if you make a claim. You can take advantage of cheaper car insurance premiums, but if you do have an accident, you won’t be faced with any big bills.
What does zero excess mean when renting a car?
Some of these policies will cover more parts of the car than standard Collision Damage Waiver. Some reduce your excess. Some take the excess all the way down to zero, so you won’t pay anything at all if you damage something that’s covered. These are called ‘zero excess’ policies.
Do I get a courtesy car with AA?
When you buy AA comprehensive car insurance, you get a courtesy car as standard while yours is being repaired after an accident. If it’s stolen or written off, a hire vehicle is available through our optional Car Hire policy.
What happens if you crash a courtesy car?
What happens if you crash a courtesy car? When driving a courtesy car, your insurance for your main vehicle should cover you to the same level when you’re driving the replacement vehicle. Alternatively, you will have cover through the courtesy car provider.
How much does a courtesy car cost?
Is this going to cost me anything? You will only have to pay for the fuel you use and won’t pay any other additional costs for the use of the courtesy car.
What happens if you damage a courtesy car?
If you crash your courtesy car or damage it in an accident, you’ll be covered by your insurance – so long as you have a fully comprehensive policy. You’ll also get another courtesy car. Just remember that you’ll still have to pay your excess to cover a portion of the repairs – so drive safe!
What is the difference between a hire car and a courtesy car?
Automatic courtesy cars can be supplied, providing the car being repaired is an automatic.
What’s the difference between Hire car and Courtesy Car?
|
Standard Courtesy Car |
Optional Hire Car |
| Replacement car if yours is written of until another is made top settle the claim up to a maximum of 21 days. |
N |
Y |