Q. Is it true that if I’m making an insurance claim and I have an excess on my policy, I will need to pay this to Rackhams when I have the vehicle repaired?

A. It depends if the incident was your fault and if you are claiming on your own policy or somebody else’s. If the damage was caused by somebody else, and you have their details, you may be able to claim direct from their insurer which means you would not need to pay your excess. However this route can sometimes take longer than paying your excess up front and then having your own insurer claim it back for you. If the incident was your fault or there is nobody to claim from (Example: hit and run or vandalism) then unfortunately when making an insurance claim you obviously would have to pay the excess when you collect the vehicle following repairs.