In the event of an accident, you must contact PayNoExcess.com before contacting your insurer. PayNoExcess.com will arrange the repair at one of our approved Bodyshops. All PayNoExcess.com approved Bodyshops are MVRA approved. No Bodyshop will be authorised to carry out repairs unless part of the PayNoExcess.com network of Bodyshops. No excess covers the first £200 of your insurance excess. You will be liable for additional excess costs as per your insurance policy. All members must be covered by a fully comprehensive insurance policy. £200 excess is only payable on damaged vehicles where an insurance claim is made and not on non-recovered stolen vehicles. Vehicle must be repaired at a PayNoExcess approved Bodyshop. Vehicle repair value must exceed £500. Vehicle must be repairable