At ACHL we take claims based on each claim’s individual merits. As we are part of a law firm, we understand fully case law which enables us to take on more cases than most, meaning you don’t have to pay any excess. If you utilise your Comprehensive policy, you will have to pay your excess upon reporting your claim and it will show as an active claim on your policy affecting the renewal price of your insurance until Liability has been settled. This can take several months and in more complex cases years leaving you significantly out of pocket during that period.