XS Direct £3000 excess Watch

aliakram1989
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#1
Report Thread starter 1 month ago
#1
Hi everyone
I had an accident with a pedestrian. I hit into them insurer said i was at fault. I didn’t make a claim to repair my car i said i didn’t want to repair my car so now xs direct are saying that i owe them £3000 excess. Is that true i still have to pay them even though i didn’t make a claim?

Thanks
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xDron3
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No, an excess is only payable when an insurer is paying for repairs. It sounds like it got mixed up on their end.

Also who the **** would take out a policy with a 3k excess.
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nevershear
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(Original post by xDron3)
No, an excess is only payable when an insurer is paying for repairs. It sounds like it got mixed up on their end.

Also who the **** would take out a policy with a 3k excess.
XS Direct cover people who wouldn't normally get insurance cover (ie young drivers in performance cars or with accidents/points) - the trade-off for a low premium is the high excess.

Their excess is all sections, therefore if you report an accident to them they will almost definitely demand the excess in full as per their terms until the claim is closed or they are sure the other party has no intention of claiming.
Last edited by nevershear; 1 month ago
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xDron3
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(Original post by nevershear)
XS Direct cover people who wouldn't normally get insurance cover (ie young drivers in performance cars or with accidents/points) - the trade-off for a low premium is the high excess.

Their excess is all sections, therefore if you report an accident to them they will almost definitely demand the excess in full as per their terms until the claim is closed or they are sure the other party has no intention of claiming.
Thanks for the info, never heard of XS before although the name makes sense doesn't it when you explain it like that.
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aliakram1989
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Thanks for your help guys. The other party put a claim for injury and xs direct said they paying them out for injury claim.
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Mosinwywyeye
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Yep seems like you will have to foot the bill.
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