Do i need to pay excess if third party claims and its my fault?


Take care over settling privately. You cannot be sure the innocent party won’t still come after more if the repairer discovers more damage)/hire car is involved/loss of earnings/whiplash etc

You won’t normally pay any excess if the claim is paid by your insurer and is just for the third parties claim and not your car. Check your policy wording over this

Do dummy quotes online with and without a claim in your history to get a good idea of what it will cost at renewal

Though you do breach your policy conditions if you fail to notify your insurer about this incident


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