Details of applicable excesses will be shown on your Policy Schedule. All excesses have to be paid in the event of a claim for damage to your vehicle, although we will not charge you your excess if we do not think you were to blame for the accident and the third party insurers agree. We will not apply the policy excess to a claim for medical expenses, personal belongings, nor when your car is being used by the motor trade or in the custody or control of valet parking.