Yes ray spoke to mib sols and they said you do what you have to do to recover your money or get them to disclose the their trader insurance details.as the garage has not been responding, i have decided to take them to court. so issued them a LBA yesterday giving them 7 days to disclose their insurers. hopefuly if they still not reply then going to submite the N1 form to start the proceeding. Will keep you updated.

I think that you should send the letter of LBA after what you have sent what is changed. So it will show that you have given them enough chance to reply to your what is changed letter. try not to send anything with your signature on--in case?

HI RAY, yes i have fullu comp.but my wife is a name driver and i am the policyholder. my insurance just said that because it was a courtesy car it should be covered by the garage because they are the owner of the courtesy car(golf). i have put alot of pressure to the garage but they would not give me their insurance policy and since then i have found out that the garage does have a trader policy in place. we did not sign any documents secondly about the notification, i have been through that process but my insurance is not even willing to get involve as they say that this car has nothing to do with them. Also you mentioned about the loan car, is there any difference in the courtesy and loan car (as i dont want to make a technical mistake in using the words as they might have different meanings in insurance law). someone advised me to take the garage to the court and they will force the garage to disclose the insurance details. do you think is it the right way to go about.i have written enough letters to garage myself and through solicitors but no luck. thanks

Hi Conniff, Thanks very much any advise is helpful at this time, the issue is not with the M reg golf car that is only worth 4 to 5 hundred pounds.the 29000 bill is sent to us by MIB(motor insurance burue who have paid to the third party as my wife was at fault and recognised by MIB as uninsured driver because neither our insurance or the garage was accepting the claim under their insurance. secondley i had a fully comp. on our own car which was under repair with the garage and my wife is the named driver in the policy.

Need urgent help with regards to courtesy cars. it's a long story but i will try to brief it as much as possible. our 53 plate peogot went in to garage for repairs for which the third party's insurance was paying for, it was a local small size garage. My wife asked how long it will take them to get our car ready to which they said 4 to 5 days but my wife said to them that i go to work and i will need a car. this owner of the garage who was dealing with us went inside and gave keys to my wife for M reg Golf. This was our first experienced in this kind of a garage befor we always went to dealers. so she tooke the keys and went to work. second day she had an accident and it her fault too. We told the garage guy as to what happend who advived us to go to our insurance company and talk to them. We went to our insurance who told us that they cant do anything but we should go back to garage as it was a courtesy car owend by garage. In the mean time MIB got involved as they classed my wife as uninsured driver. We told them the whole storey and they wrote to the garage who denied to give any details. I got my own solicitor to write to garage to disclose their insurance details to us, as we have found out that garage does have a traders policy but they just not replying. Last week MIB sent me their solicitor who intend to recover over 29000 thousand pounds and told us that because she was the driver of the car, its her resposibility and she will have to take responsibility. Since last week we have lost our sleep, plaese someone help.