Advertisement
If you have a new account but are having problems posting or verifying your account, please email us on hello@boards.ie for help. Thanks :)
Hello all! Please ensure that you are posting a new thread or question in the appropriate forum. The Feedback forum is overwhelmed with questions that are having to be moved elsewhere. If you need help to verify your account contact hello@boards.ie
Please note that it is not permitted to have referral links posted in your signature. Keep these links contained in the appropriate forum. Thank you.

https://www.boards.ie/discussion/2055940817/signature-rules
Hi all! We have been experiencing an issue on site where threads have been missing the latest postings. The platform host Vanilla are working on this issue. A workaround that has been used by some is to navigate back from 1 to 10+ pages to re-sync the thread and this will then show the latest posts. Thanks, Mike.
Hi there,
There is an issue with role permissions that is being worked on at the moment.
If you are having trouble with access or permissions on regional forums please post here to get access: https://www.boards.ie/discussion/2058365403/you-do-not-have-permission-for-that#latest

Does the insured have to pay any excess?

  • 19-12-2014 10:09pm
    #1
    nirvana78
    Registered Users Posts: 198 ✭✭


    Can anyone give advice on this please? A car incident results in a third party making a claim, no issue there. The insured is going to repair damage to their own car, no claim on their part, but will they have to pay any excess as there will be a claim on that policy?

    Cheers


Comments

  • #2
    To Elland Back
    Closed Accounts Posts: 1,923 ✭✭✭To Elland Back


    Very few private car policies have a 3rd party excess.If there is one, the 3rd party gets paid in full and the insurer applies to the insured to recover the excess.

    On a side issue, why wouldn't you put through an own damage claim if a 3rd party is also claiming?


  • #3
    corktina
    Closed Accounts Posts: 17,733 ✭✭✭✭corktina


    To Elland Back wrote: »
    Very few private car policies have a 3rd party excess.If there is one, the 3rd party gets paid in full and the insurer applies to the insured to recover the excess.

    On a side issue, why wouldn't you put through an own damage claim if a 3rd party is also claiming?

    because it's a third party /TPFT policy I imagne, in which case there is unlikely to be any excess.


  • #4
    nirvana78
    Registered Users Posts: 198 ✭✭nirvana78


    Thank you for your reply. The thinking was, didn't go through insurance coz it's an old car and didn't want to run the risk of it been written off. Car has been repaired at a cost of €750, if they wrote it off it would have cost more to be replaced.


  • #5
    corktina
    Closed Accounts Posts: 17,733 ✭✭✭✭corktina


    you could have got a cheque , less the salvage and kept the car. It's your car, up to you to call the shots.


  • #6
    mickdw
    Registered Users, Registered Users 2 Posts: 23,465 ✭✭✭✭mickdw


    nirvana78 wrote: »
    Thank you for your reply. The thinking was, didn't go through insurance coz it's an old car and didn't want to run the risk of it been written off. Car has been repaired at a cost of €750, if they wrote it off it would have cost more to be replaced.

    I think you were foolish. A additional claim of 750 or so would be unlikely to have made a difference.
    If you had claimed for own damage, they would have had to pay the market value of the car if written off which would be more than 750 from what you say. In any event, even if written off, you can often make a deal to keep the car and take a cheque for market value minus salvage value of the crashed car minus excess.

    Edit- as corktina says


  • Advertisement
  • #7
    nirvana78
    Registered Users Posts: 198 ✭✭nirvana78


    Unfortunately that's the result of not been properly informed before making a decision . Lesson learnt, check boards first.


Advertisement