An insurance excess is the amount you need to pay in the event of a claim. When you lodge a claim with Bingle, you must pay the excess upfront. We’ll refund the excess in full if we determine that you’re ‘not-at-fault’ and we’ve identified the responsible party based on the information you’ve provided. If we determine that you are ‘at-fault’ for the claim or if there is no one we can deem responsible, your excess will not be refunded. An example of this could be weather events such has hail damage, or malicious damage to your car and the person responsible for the damage is unknown.