I have had to make two claim in all my time of driving, and neither of them were my fault, but I had to pay the excess.
First was crawling along a country lane in winter at about 15mph, touched the brake on a sheet of black ice... experienced driver or not that's 3k gone! (I know someone will say it was my fault, but by the time my car was removed there was 4 other cars in the wall beside my car and they closed the road for a survery and changed the camber of the corner as a result)
Second was a fox running out in front of my car... that would be another 3k gone
That excess is just stupid... I would not even consider an excess larger than £200... end of
Pre LCI Monaco Blue e90, iDrive, 18" 220M reps, M3 Front Bumper & rear lip spoiler, LCI headlights, M steering wheel & gear knob, F&R Tints
ICE: DLS R4s, Gladen HG-201BMW-3, Alpine PDX 4.100