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#70386 - 8th Sep 2004 12:20pm insurance excess
Gary Offline
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Registered: 22nd Dec 2003
Posts: 1328
Loc: Wirral
right, for those that dont know i rolled into the back of a metro in a SLOW moving queue, all 5 people are claiming whiplash etc (how many seatbelts are in a metro)and i apparently wrote the car off although there is NO damage to mine! and i mean no damage not even a scratch! now i phoned up norwich union who were dead nice and said they will put the excess in the computer, 470, but i wont have to pay???? is that becuase im not claiming but some1 else is? im well confused!

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#70387 - 8th Sep 2004 12:44pm Re: insurance excess
Mark Online   Reading


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Registered: 9th Nov 2003
Posts: 21031
Loc: Wirral
"is that becuase im not claiming but some1 else is?"

Pretty much so...

My advice is to ask that same question to your insurance people,
but then ask how this will effect my policy for the following year. (price increase if any).

Its a mine feild out there with insurance.

No clams protection.
No clams Bouns protection.
Excess protection..

Its crazy..

Let us know what they say Gary..
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#70388 - 8th Sep 2004 12:45pm Re: insurance excess
StuyMac Offline

Wiki Master

Registered: 24th Nov 2003
Posts: 12002
Loc: Wirralshire
The Excess on you policy only come to effect when you make a claim for your car - kind of a deterant to stop you making silly little claims.

As for the Written off metro, Im guessing the value of the car will be very low, so if there is any damage, the price an approved repairer will charge could well be more than the cars worth frown

As for whiplash, very little you can do. If you have admitted there was contact between cars, the symoptoms are very hard to disprove unfortunatly frown
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#70389 - 8th Sep 2004 4:11pm Re: insurance excess
Cali_16v Offline
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Registered: 17th May 2004
Posts: 6261
Loc: Birkenhead
working for direct line/tesco motor claims all i can really say is stuymac hit the nail on the head. whiplash is a soft tissue injury so therefore cannot be seen on any machine, if the doctor presses your neck and you say oww. you got whiplash and the payout is normally 1500-2000.
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#70390 - 8th Sep 2004 11:12pm Re: insurance excess
Gary Offline
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Registered: 22nd Dec 2003
Posts: 1328
Loc: Wirral
me and my girlfriend were in the car and ive had more whiplash doin a 3 point turn and hitting a kerb to be honest! so i wont have to pay the excess then?i hope not

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#70391 - 9th Sep 2004 12:36pm Re: insurance excess
Gary Offline
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Registered: 22nd Dec 2003
Posts: 1328
Loc: Wirral
just phoned norwich union then and they told me "because its a third party making a claim and not you, you will not have to pay the excess thats on the policy"....... im all smiles

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#70392 - 9th Sep 2004 1:43pm Re: insurance excess
Rocco Offline
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Registered: 7th Jun 2004
Posts: 738
Loc: Neston, South Wirral
Nice 1 fella!
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