Generally, insurance excess is the amount you need to contribute when an insurance claim is made. Many car drivers are under the assumption that if they aren’t at fault in an accident, they won’t be responsible for paying the insurance excess. However, it’s not that straightforward and simple. The reality is that even if you aren’t at fault, there are instances when you may still have to pay for the excess insurance. How is this even possible?

In the following section, we’ll tackle situations where you may or may not be responsible for the insurance excess, even if you aren’t at fault. Keep on reading as well to find out some tips on how to avoid paying for excess.

When to pay for excess

In general, insurance excess is something that you will be responsible for when filing for an insurance claim. Even if you’re not at fault, you will still have to pay for the excess. Of course, this depends on the type of insurance policy you have and what its specific coverage. For the most part, you may have to pay the excess if and when:

  • There is an ongoing dispute about who is at fault
  • The insurance company assesses that you are partially at fault
  • The at-fault driver cannot pay for the damages because they aren’t insured
  • The person at fault leaves the scene of the accident without leaving personal details

When not to pay for excess

Some insurance carriers do allow waiving the excess as the responsibility of the insured. Of course, such a waiver depends on the specific policy, as disclosed in the Product Disclosure Statement (PDS). Know that insurance companies do have different policies to determine when an individual will have to pay an excess. In general, you may avoid paying the excess for your not-at-fault accident if:

  • You have the name and details of the person who is at fault
  • Your insurer determines that you aren’t at fault in any way
  • Your insurer can recover the money from the person who is at fault

What to do to avoid paying for excess

In reality, you have to understand what your policy is and what your coverage includes, as stipulated in the PDS. Ultimately, your insurance company will decide whether or not you need to pay for the excess insurance. However, there are a few things that you can do to avoid paying for excess. Take note of the following:

  • Accident documentation: During the accident, document as much evidence as possible and make sure to provide these details to your insurer as proofs that you’re not at fault. 
  • Police assistance: In situations where the other party at fault flees the scene without providing their details, report the incident to the police immediately. Chances are the police may still be able to locate the guilty party.  
  • Insurance dispute: If you disagree with the decision of having to pay for the excess, you can lodge a dispute with them.


At this point, having regular car insurance isn’t the ultimate panacea to get yourself completely covered in any incident. If your policy has an excess, then your insurer will only cover part of your claim, meaning that you will have to pay for the excess. 

If you are looking for a car excess insurance policy for your vehicle in the UK, get in touch with us today to see how we can help!