I made a claim on my Car Insurance but it wasn't my fault, why am I being charged an excess?

Your excess is payable on every claim, regardless of who was responsible. If we're holding a third party responsible, you can claim your excess back from the third party once they accept it was their fault. While the claim is ongoing, it will be classed as an open claim until the third party's insurer repays us all our costs. Once we receive this, we'll close the claim as a 'non fault' claim and will help you claim the excess back from the third party insurer.