I am writing to warn everyone that with real insurance be aware that you will have to pay the excess fee, even if the accident is not your fault. I was involved in an accident in July 08, the other driver was completely at fault - the police attended the accident and wrote up a police report. In order to get my car back I HAD to pay the $1000 excess, which I was told that they would refund when they received the police report. After may phone calls and all the excuses under the sun, I finally received my excess back in Apr 09, only after I rang the insurance ombudsman. read full review »