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When do I not need to pay an excess?

You do not need to pay an excess if your car is involved in a no fault accident and we decide that the driver of another vehicle (or person) was entirely at fault. This doesn’t apply however, when the at fault third party cannot be identified. For example, if someone causes damage to your car while it is parked and they do not leave their details. In the event of an accident, it is important to make sure that you have the other party’s full name, residential address and vehicle registration number. If you are unable to get these, we will attempt to obtain the missing details, however, this is not always possible.

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