If you are stuck in that predicament, you have the choice of either of:

- Doing without your car until you have arranged the finance you need to pay the garage – a compulsory excess alone, for example, maybe in the region of several hundred pounds, and considerably more if you agreed with your insurer to take on a further voluntary excess.

- Going to the expense of arranging a loan in order to be able to pay the garage.

Excess Insurance

Anticipating the potential expense of paying an excess on any motor claim, you may have taken the precaution of arranging excess insurance – to cover whatever amount of excess you may have agreed to shoulder.
 
Although this means that you may eventually be able to claim back the excess, there is typically some delay until you are fully reimbursed the amount – again leaving you with the prospect of waiting still further to get back your car even after the repairs have been completed or of taking out an expensive short-term loan or using your credit card.
 
It is a problem that has been shown to affect nearly a third of all motorists trying to collect their cars after insurance repairs.
 
That is why here at Bettersafe we are unique in that our private motor excess insurance pays the reimbursement directly to the garage repairing your car. This means that:

- The garage is paid your excess contribution immediately.

- There is no need to wait until you have found the money to pay the excess before you are able to get your car back.

- You face no expensive borrowing in order to pay off the excess before seeking its reimbursement.

Double Your Savings

Private motor excess insurance may mean that you are no longer tempted simply to avoid making a claim – any excess you are required to pay is safely covered by the excess insurance.
 
But your savings may be twin-fold. Not only does excess insurance save you from paying whatever amount of excess to which you have agreed, but it also gives you the security of knowing that you may take on the maximum amount of voluntary excess – since this is covered by your excess insurance (up to pre-agreed limits) – and so earn an attractive discount on the cost of your principal motor insurance policy.