Why do I have to pay my excess to claim for a stolen cat converter?

I had my catalytic converter stolen. Should I have to pay the excess when it wasn’t my fault? My insurance company says it’s regardless of fault.

Asked on 3 June 2020 by Carl Whitehouse

Answered by Tim Kelly
Yes, you do. It is not a matter of fault. It is a matter of you having to make a claim on your insurance when there is no one else to claim from. You have agreed when buying your policy to pay the first part of any claim (your excess).
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