When it comes to car insurance, the policyholder is typically responsible for paying the excess. The excess is the amount that the policyholder agrees to contribute towards the cost of a claim. It is a way for insurance companies to share the risk with policyholders and prevent small claims that could increase premiums for everyone. The excess amount is agreed upon when the policy is taken out and can vary depending on factors such as the type of policy, the insured vehicle, and the policyholder's driving history. In most cases, the excess is paid directly to the repairer or service provider once the claim has been approved and the repairs or services have been completed. It's important to note that if the policyholder is not at fault for an accident, they may be able to recover the excess from the at-fault party's insurance company through a process called excess recovery or subrogation. However, this process can take time and is not guaranteed. It's always a good idea to review the terms and conditions of your car insurance policy to understand your responsibilities and obligations regarding excess payments. If you have any specific questions about your car insurance policy, it's best to contact your insurance provider directly for clarification.