Does car insurance excess paid back come under the windfall clause ?

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sandybrowneyes2002
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by sandybrowneyes2002 » Thu Mar 30, 2017 8:39 pm
Can someone help me please?
My car was hit by someone. The driver has admitted fault and we have received our car insurance excess back. I think we can keep it but my husband think it comes under the windfall clause. Can anyone shed any light on this?
Many thanks
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luluj
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by luluj » Fri Mar 31, 2017 2:07 am
How much are we talking about ?

Personally I think its yours to keep as this money was yours to start off with.
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Foggy
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by Foggy » Fri Mar 31, 2017 6:42 am
I would tent to agree -- this is money you paid over at the time of the repairs, out of your allowances, and you are just getting it back. If it is under £500 the chances are that, even as a windfall, it is still yours to keep.
sandybrowneyes2002
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by sandybrowneyes2002 » Fri Mar 31, 2017 3:21 pm
Hi,

Thank you for your reply's, We got back £340 from our insurer so under the 500
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luluj
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by luluj » Sat Apr 01, 2017 5:01 am
Keep it in your contingency fund its yours.
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Michael Peoples
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by Michael Peoples » Mon Apr 03, 2017 8:16 am
You would have had to pay this out first anyway so it is only a reimbursement of your costs. I cannot see any IP treating this as a windfall.
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