What Is Insurance Excess?: Think of excess as your share of the bill when you claim. It’s the amount you pay upfront before your insurer covers the rest.

Types of Excess: There’s basic excess (the standard amount) and additional excess (could apply for young drivers, specific risks, etc.).

When You Pay: You only pay the excess when you make a claim—so no need to stress about it unless something happens.

Know what applies to you: We encourage you to review your policy excesses to ensure you are aware of the amounts you will need to pay should you have a claim, preventing any unexpected surprises.

WINDSCREEN CHIPS

We recommend repairing any windscreen chips as soon as possible to prevent them from spreading into cracks, which could require a full replacement. Prompt repairs can save time and costs while ensuring your safety.

VEHICLE THEFTS AT CAR WASHES

Car theft at car washes is on the rise, especially when owners leave their vehicles unattended. Thieves exploit busy environments and lack of security to steal cars unnoticed.

Why It Happens: Unattended cars with keys left behind. Crowded car washes make it easy for thieves to blend in.

How to Stay Safe: Keep your keys with you. Stay on-site if possible. Avoid peak hours. Consider mobile car wash services. A few precautions can prevent theft—stay alert and protect your vehicle!

Steps in the Recovery Process:

What is an Insurance Recovery? A recovery is when the insurer reclaims repair costs from the at-fault party, including your excess and other expenses.

Gather Information – Collecting reports, witness statements, and evidence.

Engage the Other Party – Contacting them or their insurer for accountability.

Negotiation & Settlement – Recovering costs like repairs, excess, car hire, and towing fees.

How does this impact you?

• Should a recovery be successful, the insurer may refund or partially refund your excess.
• Recoveries aren’t guaranteed; success depends on evidence and cooperation.
• Timelines vary based on the other party’s response.