Hi, I would just like to clarify a couple of points made in the first post. I had a really minor car bump today and I notified my insurance company. I am 90% sure I am at fault and therefore prepared to reimburse the insurance company for their outlay as suggested above. However, my question involves excess; - I am assuming I will still have to pay excess on my policy... is this correct? - Will I end up paying for the bill of the 3rd parties excess? Has anyone else ever tried to do this with success? Or should I try another technique to try and save my no claims?