Quote:
Originally Posted by angie4m
Well my dad was under the same impression with the m3 because he had also opted for £0 excess. There was no mention when taking the policy out but when the woman hit the car and I picked it up there was a £250 mandatory excess which was in the small print of the policy provision, which you are meant to read. But not many people do as there is loads of them. I had to pay it to get the car back and then got a refund from the insurance company (esure)
I've never heard of any insurance company having £0 mandatory excess. Probably wrong, but they don't have to tell you when you take the policy out, they expect you to read the terms and conditions which you have agreed too. If I wasn't under 25 admiral have a £250 excess for every other driver. Same with direct line, esure, more than etc
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I had no mandatory excess with my last car. Then I paid the additional premium when I bought my
CTR, mid term, with the same policy and there was a mandatory excess that applied beacause of the car.
Everyone should read all the small print of their insurance documents not just for hidden excesses but details that may be wrong, before it is too late.
They do have to tell you of all excesses that apply, it is written in the small print and they expect you to read it.