How much will my excess be?

Understand how the excess is calculated after a non-fault accident

How much will my excess be if I claim with my own insurer after a non-fault accident?

Contacting and claiming with your own insurance company after a non-fault accident can force you to pay your policy’s full excess.

Calculating your total excess

Remember, your total excess is made up of:

• Your policy compulsory excess
• Your policy voluntary excess

Excess amounts can differ for everyone. They depend on each person’s insurance policy. To claim, your insurer will require you to pay the full excess. To make a non-fault claim, insurers require non-fault drivers to pay their total excess. This total amount is the sum of your compulsory and voluntary excess. It can be an unexpected cost. Knowing that the accident wasn’t your fault, this is frustrating. It’s also an unnecessary expense.

Remember: Non-fault drivers should avoid claiming with their insurer. Many are unaware of this. Instead, using an accident management company can cut your excess.