I was at fault in an accident, do I pay my excess even if I don't claim for the damage to my own car?

I have just had a bump in my car, which was my fault. The damage to my car is minimal and does not necessarily need a claim because it's 10 years old. The other car was more badly damaged and is possibly a write off due to damage to the door pillar (it's 13 years old). When the other party claims from my insurance, will I still have to pay my excess if I don't claim for the damage to my car? If the answer is yes then I suppose I may as well claim for my damage too.

Asked on 12 September 2018 by Rob Kinnon

Answered by Honest John

No, the excess is only applicable if you're claiming for your own damage.

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