Why do I have to pay an excess?

The policy excess is the first amount of any claim for damage to your vehicle that you are required to pay. 

Policy excesses are applied by insurers to encourage care on the part of the customer regarding property covered under the policy and to dissuade trivial claims and thereby  reduce the premium that you pay.

If an accident is not your fault, your excess will be your responsibility until we are satisfied that we will be able to recover the full costs from the responsible party’s insurer. In the event that we are unable to recover the full costs, you will remain liable for the policy excess.