Angelika Draheim

Question: Car insurance excess?

My car is now only worth between 200 - 300 so if it was involved in an accident I doubt the insurance would repair...& write it off. Insurance is due for renewal & I have a 250 voluntary excess, which means that I would end up with nothing in the event of a crash. If I increase my vol. excess to 500 the premium goes down by about 30 which looks like a good idea to me but. If my car was written off due to an accident with another vehicle would I still have to pay the 500 vol. excess towards repair of the other vehicle or does the excess relate only to my car in this situation?

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