It depends on the type of claim. If your claim relates to your Goods in Transit Cover, Work Tools Cover or Public and Products Liability, you'll have to pay an excess every time a claim is made. But if you've been in a collision and it wasn't your fault, we might be able to waive your excess fee if: You've provided sufficient proof and we agree you or your driver weren't at fault You can identify and provide sufficient details of the third party driver who is at fault (name, telephone number, current address, and/or drivers licence number) and the third party vehicle registration The amount of Your claim is greater than the applicable excess(es) The excess won't be waived if the other driver disputes who's at fault, or there's only windscreen or window glass damage and you haven't taken out the "Windscreen - One Excess Free" extension.