 What should I do? My grandmother got ripped off.? |
| I just found out from my grandmother that her annuity has been taken advantage of by my older sister. My sister got the account information from my grandmother and then logged onto the company's ... |
|
 What can I do? accident no insurance? |
| I had a car accident approx one hour before I had car insurance. I submitted the claim and everything is there a way to get them to pay for everything? will they pay much attention to the time?... |
|
 Will health insurance cover existing medical bills? |
| I have a kidney stone that is unbearable and I want to get it checked out. I just applied for health insurance but I have to wait to find out if it's approved. Can I go to the hospital today and ... |
|
| Re: California Fires. Aren't homeowners responsible for obtaining homeowner's insurance and if so why is the |
| government spending millions on this disaster. Is it for those who are not insured? Please someone who knows answer I don't need B>S>. I had a fire in my house and my homeowner's ... |
|
 Insurance question Yes or no and if no why please? |
| My friend has just phoned me and told me that she has been burgled ( she went into her lounge and found that the rear door was wide open ), and that a few articles were missing, she has reported the ... |
|
 Health insurance? |
| I have a doctors appointment for my son on Thursday, and i just don't like the doctor office we have been going to because everyone is so rude, so i want to switch doctors how do i go about ... |
|
| Is homeowners insurance a complete scam? |
| my former agent admitted it was worthless as insurance and explained that i was buying it because my lender required me to do so. she could not explain why she did not tell me this when i bought the ... |
|
 Why does State Farm Insurance rip-off clients? |
| Why is it necessary for State Farm Insurance to deny claims and try to acuse the client of filing false claims? Is it because the don't know any different, or they are dishonest rats from hell ... |
|
 Why isn't health insurance required when many other forms of insurance are required? |
Wouldn't this solve the health care crisis?
Additional Details
The people don't forgo health care, they don't pay the hospitals or doctors.... |
|
 Should all tobacco products be banned from the workplace? |
| My employer banned indoor smoking years ago. This just drove the addicts outside where you have to go through their smoke whenever entering and exiting a building, just sickening! The company won'... |
|
 Will health insurance cover a serious pre-existing condition? |
| I believe I may have a serious medical condition. I know I should go to the doctor ASAP but I have a concern about my health insurance. My coverage is ok but not the greatest. I may or may not be ... |
|
 Can you recommend a UK company for home insurance? |
| The company I'm with are looking £400 that seems very expensive.... |
|
 I am 19 and Pregnant.I need insurance before I can get to the doctor.How soon can I get approved for Medicaid? |
| I am living at home with my parents. My mom works but my dad doesnt. I applied through the Health Department but I was wondering how long of a wait untill you find out if you got approved? Also is it ... |
|
| Do I need life insurance for my baby? |
| I am about to have a baby, and see lots of ads for the Gerber Life Insurance for children, but don't know if I need it. The price seems to be less than what I would have to pay at my job. Is ... |
|
 Insurance claim - lost proof of purchase? |
I have my lg viewty covered by insurance, and my ipod video covered under that.
My water bottle leaked in my bag and my ipod is completely dead and my phone is very dodgy (says it fully ... |
|
 My tree fell on the neighbors fence and his dogs got attacked, who pays? |
(a few details added)
A tree fell onto my neighbors fence after a windstorm a couple months ago. By law, our insurance is responsible for what is our property and his for his. The Fence is his ... |
|
|  |
milly | When booking insurance, what is the 'excess'? |
|
 |
 
dollysdress
 |
do you mean what is it ~ it is the ammount you have to pay befor you make a claim ie my dogs excess is £70 this means i have to pay the first £70 of any claim
or do you mean how much is it ~ depends on the insurance company generally the higher the excess the lower the insurance premuim |
|
Richard B
 |
As already mentioned excess is the agreed amount you pay in the event of an accident.
If it's not your fault (i.e. car insurance) you can often claim the excess back off the other driver's insurance.
Many companies also have a voluntary excess policy where you can volunteer to pay a certain amount more (e.g. £100 or even £300 excess) which in turn will lower your overall premium cost, however you will obviously have to pay a fair bit more if you do have an accident. |
|
Hopalong
|
It's what you have to pay before you get any money from a claim e.g. if you have £100 excess and you were claiming for a broken coffee table that would have cost £300 then you would only get £200 |
|
Big Ben
|
The amount you have to pay to contribute towards any claim on an item.
For example, car windscreens often have an excess of £50. You pay £50 and your insurance foots the rest of the bill. |
|
pa69oldfart
|
Excess is an agreed amount of money that you pay when making a claim. |
|
Steph007ess
 |
in addition to all the above it is a deterrent to claiming for any and everything so if you got a small dent in your bumper you would think twice about claiming if your excess was £200. |
|
floxy
|
You can decide to buy back excess such that nothing is deducted when you claim |
|
gavinwhyman
 |
Should you make a claim you have to cover the excess, not the insurance company. The higher the excess, the lower the premium |
|
Steve C
|
In an insurance policy, the deductible or excess is the portion of any claim that is not covered by the insurance provider. It is normally quoted as a fixed amount and is a part of most policies covering losses to the policy holder. The deductible must be "met", that is, paid by the insured, before the benefits of the policy can apply.
In a typical automobile insurance policy, a deductible will apply to claims arising from damage to or loss of the policy holder's own vehicle, whether this damage/loss is caused by accidents for which the holder is responsible, vandalism or theft. Third-party liability coverage generally has no deductible, since the third party will likely attempt to recover any loss, however small, for which the policy holder is liable.
Most health insurance policies and some travel insurance policies have deductibles as well. Typically, a general rule is: the higher the deductible, the lower the premium, and vice versa. The type of health insurance deductibles can also vary, as individual amounts and family amounts. Major medical insurance policies are known for often having a deductible which does not cover the cost of routine visits (e.g., to a doctor's office). |
|
shelley h
 |
the excess is what you pay towards the repairs. for example if your car is in an accident and needs repairing you pay the excess amount towards the repairs. if the vehicle is unrepairable the excess is taken out of the settlement amount so you will recieve a cheque for the amount agreed minus the excess. before choosing an excess amount, think about what you will be able to afford to pay,
(worked for churchill insurance for 6 years) |
|
Dolly F
 |
I always refer them, they guide perfectly,
"http://www.dpbolvw.net/email-1961891-... |
|
bobby t
|
Its the amount you have to pay first before the insurance company is liable.
So lets say you insure something for £500 but your excess is £50, that means that if you make a claim you would pay the first £50 and the insurance company would pay the remaining £500.
It's basically a way of insurance companies getting out of being liable for smaller claims - which subsequently are more likely than larger claims. |
|
mbrcatz
 |
hard to say, without context. It could be any of the following: non-admitted carrier surcharge; a seperate policy similar to umbrella coverage, but much more limited in coverage scope; or the portion of the policy limit reinsured through another carrier. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
13 | 2 minutes(s) ago
| | | |
13 | 19 minutes(s) ago
| | | |
13 | 30 minutes(s) ago
| | | |
13 | 57 minutes(s) ago
| | | |
13 | 3 hour(s) ago
| | | |
13 | 8 hour(s) ago
| | | |
13 | 10 hour(s) ago
| | | |
13 | 11 hour(s) ago
| | | |
13 | 1 day(s) ago
| | | |
13 | 2 day(s) ago
| |
|
Homepage 
Financial
Forum 
Insurance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
