insurance terms?

ive been insuring my cars for years with third party fire an theft...
now my missus has been looking into fully comprehensive.

i need a laymans terms guide to 'excess'

they have a compulsory excess and a voluntary excess.

the more you put up voluntary excess , the lower your yearly quote becomes....

but am i right in thinking that if someone else crashes into your car and its their fault, then you still have to pay the voluntary excess for the insurance company to repair your vehicle? what about the compulsory excess.

i've got myself in knots over this one.

i think your right with that, but i think it may be claimable back in the event of it not being your fault

id like to know this too:scratch:

common sense would tell you that if someone hit you and with it being there fault that you wouldn't/should not be asked to pay any excess as the other persons insurance company would have to fork out. right?:scratch: