AIBU to refuse to pay this much excess on my insurance claim

[NotSuchASmugMarriedNow1]

I scraped the side of my car in a car park. My fault. Doors damaged and needs to be replaced. Rang my insurance company and they are bringing a courtesy car out on Monday and taking mine in to be repaired.

The lady on the phone said "there is a £350 excess to pay". I said, on my policy it says £250. Lady on phone says "yes, it's £250 excess on your policy and £100 excess for us, so it's £350 total".

How is this right? I didn't agree to this. I agreed to £250. How can they do this and can I afford to pay it.

Dont claim on your insurance! This will cost you hundreds in the future on lost no claims!

Go to a cheap garage and pay for the repair yourself. A door wont be much more than £350 and your insurance wont go up.

OP says the door needs replaced which will no doubt be more than £350. It's been put to insurance now anywsy

My quote to have it replaced independently by a local garage was £1400.

@HariboLecter they were the glory days!

This is why I always have a £0 voluntary excess

Interesting. I assumed the voluntary was a top up of the compulsory, not in addition. And you know what they same about assumption...