Definition of Insurance Excess¹
An excess is the first amount payable by you in the event of a loss, and is the uninsured portion of your loss, so when you submit a claim you’ll have to pay an excess.
When you have to pay an excess for damages arising from an accident, it is irrelevant who was to blame for the accident, this serves to deter customers from submitting minor claims and/or fraudulent claims, and keeping premiums down.
An excess is an agreed amount of money that you the client is liable to pay in the event of a car insurance claim being settled. I.e. If your excess on your car is R5,000.00, and the damages amount to R36,000.00 the insurer will pay the remaining R31,000.00 once you the client has paid your excess.
Why do I have to pay a car insurance excess even if the accident was not my fault?²
You are always liable for the excess since the insurer does not place blame as criteria in order to determine whether you need to pay an excess or not. It is important to note that the administrative cost of a car insurance claim is the same, regardless of who is at fault.