I am sorry but i cannot give details of the company. My son is adamant that there would be recriminations. He felt compelled to pay them for the Car as they are not the kind of people we want to mess with. They have also warned him that if he tries to pursue a claim against them. They will come looking for him because they have a 6 grand excess on their policy. They have told him that he would have to pay that. As i have gone through this thread with you. I have found out more information, so i have been learning the details at the same time as you. I do not have internet access during the day as i am at work, so i have replied when i get home. My son had agreed to buy the Car after his own vehicle had been repaired and sold. He signed the DVLA document to transfer ownership of the Car when he picked it up. He was confident that the vehicle was insured and paid them a fee of £200.00 cash. They agreed to let him use the Car whilst his own Car was repaired. He paid the fee for the insurance so he thought everything was above board. When he informed them of the accident. They removed the vehicle from their policy. This was clearly to prevent anyone claiming against their traders insurance policy. They are now saying that they had a legal right to remove the vehicle from their policy because it was no longer their vehicle as it had been sold to my son. The signing of the DVLA document is proof that the sale had been agreed. This is their standpoint. They are stating that there is no legal basis which says that they have to sell Cars with insurance on them. I am afraid the more i have learned about this. The less confident i have become.

Hi again, sorry for the lack of updates. Just to clarify the current situation. The company is now claiming that the courtesy car belonged to my son at the time of the accident, even though he had not paid them any money for it, at that time. Therefore, their insurance policy did not cover him. The money that he paid for the insurance cover was paid in cash. It appears they are now claiming that this was a deposit for the car and not for insurance cover. No receipt was provided so my son doesn't have a leg to stand on regarding the legal ownership of the vehicle. The date on the DVLA change of ownership paperwork was prior to the accident, so it appears they are pretty watertight as regards who owned the car at the time of the accident. Its clear that they have taken him for a mug. From a legal standpoint. He owned the vehicle at the time of the accident and although the vehicle was insured when the Police did their check. It was not my sons insurance cover. Therefore he was driving the Car unknowingly without insurance. We believe that the Police did not pursue my son at the time was due to him having valid insurance on his own vehicle that was being repaired. The only avenue we can see forward. Is to pursue the 3rd party who caused the accident. As my son does not have any insurance company representing his claim. He would have to pay for separately, which could be more than the cost of the claim against him. Without any guarantee that his claim against the 3rd part would be successful. It looks like my son has to take this one on the Chin. He has again contacted Hastings insurance who are asking him for £3000.00. Their claims/loss adjuster is getting back to him. We are trying to negotiate a settlement.

Yes the courtesy Car was insured. The Police attended the accident scene. A neighbour called them. The police confirmed that the vehicle was insured when they did their roadside details check. It was after that the company cancelled the cover for the vehicle. If it wasn't insured. I am sure the Police would have reported my son ,there and then. My son had agreed to buy the Car. The company did a deal with him that they would let him use the Car whilst his own vehicle was being repaired by them. He paid a fee to them for insurance on the vehicle until the end of the month. So it was being used as a courtesy Car initially but he had in effect agreed to buy the Car. The company had already sent off the paperwork to register the Car in my sons name even though he hadn't paid anything for it at that time. My son intended to get his own Car repaired. Then sell the Car and pay for the new Car. They agreed a price of £6000.00. As you can see. My son has done everything by the book. I don't normally go onto forums but i thought that it might help if we knew more on what to do. I will find out the company name.

He will write a letter to the insurers asking for all the details you have mentioned. He will be contacting the DVLA tomorrow to obtain the 3rd party details.

Not what he wanted to hear because he feels he is blameless and has already lost £3500.00 by having to purchase the damaged Car and reselling it at a large loss. However, he signed an agreement to purchase the car. So he has honoured his agreement. He didn't know about the cancelled insurance prior to paying them. So they have taken him for a mug. I don't think he will give in to pay this bill. He can't pay it anyway. It does seem that the insurer has taken the easy option to reimburse their client and then pursue my son for the costs.

My son has spoken to a solicitor today to get some advice. Basically, they are saying because the claim is a low value. It would be better to negotiate a settlement of the claim.

I'm not saying my son doesn't know the name of the company. Just that I don't know it at this time. When we were contacted by the 2nd party insurers. We gave them the details of the company that loaned the courtesy car. We also gave the details of the 3rd party along with the CCTV evidence. We believed that the 2 insurance companies would sort it out between them. That's what insurance is for. You would like to think. Its only now that we have received this bill, that we have found out about the cancelled insurance policy and they don't seem willing to pursue the 3rd party at all. Maybe they think my son is an easy target. He does drive an expensive Car, so maybe they think he is loaded. The fact is that he saved his money to buy his Car and he works hard and long hours. He can't pay the bill anyway. He got made redundant from his engineering job on friday due to lack of orders at his employers. Covid-19. It happened at the beginning of the year

No we have just received a bill.

Sorry i dont know the name of the company. Other than they are an Asian car sales and repair company.

I dont know the damage cost to the courtesy vehicle. The total claim value that the 2nd party claimed for was just under £3500.00. His excess and salvage value of his car was just over £1000. That left them asking for £2500.00. The 2nd party claimed for personal injury. Yet he refused treatment from an ambulance that attended the scene of the accident. He said he was not injured.

Yes the company cancelled the insurance policy whilst my son was still at the scene of the accident. He phoned them to ask for the insurance details. Yes we have some details of the 3rd party. We know the address and her registration number. She lives 100 yards from my home. The 2nd party lives 50 yards from my home. The accident happened at the end of our street. So its all local. The cctv footage was given to us by another neighbour. Dad's always help their sons when they can. He has tried to contact the company who owned the courtesy car. All he gets is threats from them that if he pursues a claim against them. They will pursue him for 6k of excess on their policy.

My son was involved in a collision with a 2nd party because he was forced to swerve. A 3rd party had pulled out in front of him and this was captured on CCTV. The 3rd party refused to give their name or insurance details and left the scene of the accident. My son was not driving his own vehicle which was under his own personal insurance policy. This policy only covers his own personal vehicle. His own personal vehicle was being repaired at the time of the accident. The company that was repairing his own personal vehicle, supplied him with a courtesy vehicle, whilst his vehicle was being repaired. It was insured under their traders policy. There was an agreement in place to purchase the vehicle that was being used as a courtesy vehicle. When his own vehicle was repaired and sold. When my son contacted the company to notify them of the accident, whilst driving their courtesy car. They did not give him the insurance details and cancelled their own traders insurance policy. As a result, my son has no insurance because (1) his own personal insurance did not cover any other vehicle other than his own and did not cover the courtesy car that he was driving. (2) The company that supplied the courtesy car cancelled the insurance policy that covered the vehicle after learning about the accident. (3) he has no insurance policy to pursue the 3rd party that caused the accident. The 2nd party involved in the accident has been paid out by his own insurance company. Now this same insurance company is asking my son to pay almost £2500.00, which is the sum of money that they have paid out to their client. Hope this clarifies the situation.

My son was involved in a car accident whilst driving a courtesy car. My son was having his own vehicle repaired. The same company that was doing the repair offered him a courtesy car whilst his own car was being repaired. My son had agreed to buy the courtesy car from the company when his own vehicle had been repaired and sold. The courtesy car was insured under the companies own trader insurance policy whilst my son was using it for the few days that it took for them to repair his own car. My son collided with another vehicle due to a third party vehicle pulling out from her driveway causing my son to swerve and he collided with an oncoming vehicle. The accident was captured on CCTV. The third party claimed that it was not her fault because she claimed both vehicles that collided, were speeding. She refused to give her name or her insurance details. She is not aware that the accident was captured on CCTV. She had left the accident scene before the CCTV footage came to light. We have pictures of her and her vehicle and we obviously know her address. The CCTV clearly shows that neither vehicle was speeding and that the accident was caused be her, pulling out from her driveway. At the scene of the accident. The other driver wanted my sons personal details and insurance details. My son phoned the company who supplied the courtesy car to get the insurance details. The company immediately went online and cancelled their insurance policy, so that no claim could be issued against them. Now the other drivers insurance company is pursuing my son for the cost of the claim that they have paid out to their client. My son did have insurance on his own vehicle that was under repair but that policy only covers him for his own car. This is really unfair as the vehicle was insured at the time of the accident but they now refuse to become involved in any claim against them. What is even more unfair is that my son has had to pay the company 6k for the vehicle but can only get back 2.5k because it was badly damaged. Can anyone advise what to do here.