$3000 excess is about right. Some are more, some are less. Hire cars are similar excess unless you pay to reduce it.
it does depend on your relationship with the dealer. The dealer I used to use wouldn't put an excess on when my car broke down (vehicles fault / goodwill gesture, etc) but did when it was being serviced (convenience for me, etc).
I go to an independant specialist now & he just gives me a car & asks that I put some fuel in it. It's an old dunger but still a win-win deal.
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I used to think I was anal-retentive until I started getting involved in car forums
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