In reply to FesteringSore:
> I was a bit gobsmacked, then, to be told that I have to pay the full £99. Something to do with it being a "fixed amount".
The terms and conditions are a little ambiguous. They use the phrase "excess/ fixed fee", which they define as:
"the amount you've chosen to pay towards each completed repair or replacement. "
The use of the word "towards" may make it possible to argue that it shouldn't exceed the value of the repair, but possibly not. In any case, probably not worth making a fuss over once the cost of labour is added to the £15.
Post edited at 12:12