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car insurance excess

kueef · 2009-05-03 08:36:17

when getting car insurance sometimes you can choose your own excess.. what does the excess do?

03-05-2009 9:36am

#1

kueef

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Posts: 116

when getting car insurance sometimes you can choose your own excess..
what does the excess do?

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Comments

#2 03-05-2009 9:45am

rocknchef

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It means if you have am accident you will pay the first €250 if thats what your excess is. usally the higher the excess the lower the premium but if anything happens your screwed.

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#3 03-05-2009 9:57am

kueef

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so wouldnt it make more sence to have 0 excess?

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#4 03-05-2009 10:09am

oldyouth

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kueef wrote: »

so wouldnt it make more sence to have 0 excess?[/quote
It is nearly impossible to get a €0 excess on a policy. The excess serves 2 purposes. Firstly, to stop minor claims coming in that are as expensive to handle as a serious smack and secondly, if the insured has to pay a portion of the loss, he might take better care.

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#5 03-05-2009 3:37pm

Del2005

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I've changed the excess on policies when getting quotes and don't ever get much of a saving. If you use any of the online brokers/sites you can do it.

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