Presuming that you are speaking with your insurance company then if they charge you your excess then you will have to claim it back from the other parties insurance.
Suspect it will still cost you in the long run with loaded premiums as they always ask you how many claims in the past ? years when you get qoutes re insure
Suspect it will still cost you in the long run with loaded premiums as they always ask you how many claims in the past ? years when you get qoutes re insure