Jump to content


  • Tweets

  • Posts

    • Amex as with any creditor must help you the FOS should go with you and make them remove all interest charged from the very 1st time of asking for help. the FCA regulations actually almost dictate it, they most certainly clearly state that if the are FCA registered they must help.   it's very telling they have no marked your credit file....almost as if they know they are wrong. it's also telling that an irresponsible lending complaint might well be in order hear too, they can just keep upping the credit limit without checking you can pay. and ofcourse covid plays its part here and they've already admitted as they allowed payments holidays until october in line with the rest of the industry and they should be continuing that. you problem is you keep using the phone, no paperwork no record of things discussed. i'd get an SAR off to them. and get the comms/account log and all the statements from day one and go nail them.
    • Hello CAG, Bit of a long post, may want to get a cuppa before starting reading... 😁   after being a lurker for many years and trying never to get into a mess with credit cards like i did 20 years ago, i've got myself into a mess with Amex... I've tried being open and honest with them, but now getting the feeling they are messing me around.    Its not a chargecard, but a Nectar Credit Card with them. TAKEN out 2016. Balance is just under £15k as of today, was almost at £17k.  Debt still owed by Amex, not been sent to NCO/Arrow etc - YET...    Background (short version): Was all fine with more than min. payment (£500 or so), being made until April 2020 when a number of things reduced my monthly salary from work (mainly, take a pay cut or be made redundant), so I soon quickly realised i needed to tighten my belt quickly. Phoned Amex, advisor said nothing they could do except Payment Holiday. Was put onto that for 3 months, told that Amex will be in touch at the end to restart payments. I asked about interest being stopped/frozen/reduced - not possible. So agreed to payment holiday to give me breathing space. 3 months came and went, no contact from Amex... No payments made, interest still racking up at around £300 a month...    Rang Amex back (July 2020), we cant do anything today because your in the middle of the statement cycle call back next week. Called back week after, no solution yet (i asked about things i seen on Amex US website = Regain program - basically freeze card, lower interest rate and pay a set amount for 12 months - more about this later) > Not available in UK yet.   Want to stay on payment holiday Mister B? I asked if there was any way interest could be stopped as this is making the balance increase and increase. No. Do you want to stay on Payment Holiday? Ok. (Bear in mind, if i came off Payment holiday. Minimum Payment was around £570 per month.  So, stayed on payment holiday... Didnt hear anything from Amex again. Called back up in September 2020. Please call back in October after 10th and we can assist.   Called back after October 10, went through loads of stuff, different options etc, was warned that Payment Holiday might not be extended much longer, but now have a program. Worked out with Amex woman that i could pay around £200 per month. But please stop interest - no we cant but we can reduce this down to 9.9APR instead of 23%... . Amex woman said she needed to submit details to 'Seniors' at Amex, please call back next week for update.   Called back week after, advised that first Amex woman was wrong and had made mistakes, shouldn't have told me what she had told me, £200 is too low, minimum would be £389 per month for 12 months or account will default. Told Amex woman 2 that couldn't afford it, went through this last time, etc etc. Amex woman 2 went off, came back, £329.74 is minimum they can possibly accept, 12 months at that amount per month and interest would be lowered, but not stopped. If you dont take out this 'Program' then account will default and will be passed to NCO or Arrow (I hate them both).  Went off, tried to get loans etc, all refused. Rang Amex back, reluctantly agreed so i can keep credit rating at 'good'.  So, been paying since Nov 2021 @ £329.74.    Letter arrived in December - due to out mess up with moving accounts around whilst on payment holiday, we are going to give you £3074 back. Logged into account, only £30.74 refunded, not £3074. Phoned Amex cos thought it was a joke/mistake - Spoke to some bloke - Oh dont worry, the rest will be applied to account automatically in 7 days. he advised was genuine but then got cut off during call. Called back, spoke to some other bloke, yes, looks genuine but please hold... Came back 10 minutes later. Oh, its a mis-print, you are not the only customer to receive one of these. Each should have been £30.74 not £3074. Me = Gutted.    Wrote a letter to Amex saying how dissatisfied i was with general customer service and felt they were incompetent, blah blah etc. Final response received, Complaint partially upheld, heres £150 credit because we were a bit silly, but thats it. IF your still not happy, go to FOS. Opened a case with FOS... Have sent them the complaint letter to them and have had a call from them about this... FOS are backlogged though and will take another 3 months for complaint to be looked at by them.   Let me make this 100% clear, fully admit to owning the debt, yep, ive spent this money (wish I knew what on, cos having got much to show from it - just general stuff and holidays)... Not trying to shirk out of it, trying my best to keep up with re-payments but im really struggling. After I got paid on 1st April, after paying all outgoings i had £9.83 left in current account so am having to go into overdraft each month which is just a vicious circle.  I would really like to NOT have to down the default route and trash my credit rating and then have to deal with the morons at NCO / Arrow etc.    Meanwhile, this is where I need the advice of the CAG experts... - Credit Limit increases... These were coming every few months and it was just being upped and upped and upped. Credit limit eventually was stopped at £15,400. Some of the increases I never even received letter for, just noticed when I logged into account. >>>> Would this be a case for irresponsible lending?   - Stopping interest - I've read something on FCA site that they recommend (not policy) that if a customer is put onto a payment holiday then they recommend freezing interest for customer so the debt doesn't continue to build. I've asked time and time again, Amex just refuse.  >>>> Any tips on how to get Amex to play ball?    - Full & Final/Short settlement I've rung Amex today, told them I might be able to pay it off. Initially they said full balance, i then pushed, they then said they would accept 80% of balance, pushed them a bit more, got it down to 70%. >>> Surprised, and then very surprised they would accept 70%, anyone else think this is a bit odd? Normally they wont budge, or they wont budge from their first offer... Could their be something wrong on account (missing CCA etc?), or do they want rid of me and account as much as I do with them?   - Cant really keep going at these £329.74 repayments. Something is going to have to give somewhere. I believe they wont go any lower and they will just default it i send £100 instead of £329 and send it out to NCO/Arrow. This might not be a too bad thing though because this would stop the interest right? Anyone thoughts on this?    Anyone think of anything else I could try with them? Again, its still with Amex, not defaulted or anything yet, yep, its all my own fault, i've spent the money, dont deny that, just feel Amex have took advantage etc.   Many thanks for reading. Any advice is greatly appreciated.   Kr, Mista B.     
    • Ok so we have complained to HMRC but were still no further forward with getting the P45/P60. We need this as DVLA has said they need more proof of who he is before giving him a provisional license.  What more can l do. 
    • Hi All   just looking for some advice. I bought a used Porsche Boxster from one of Marshall motor group’s Audi dealers (can I name them?) recently and was assured that it received a major service in October 2020 in line with the manufacturers requirements. The service book confirms this. The dealer also told me on the phone that they have a 6 month rule with any mot or service being done if due within this period which assured me when making an offer over the phone on the car that it wouldn’t need anything doing for a while as I recall saying that.   However, digging through the receipts post delivery I saw that the service was in fact minor and after calling the specialist who serviced it in Oct both they (Sheepishly) and the invoice confirmed that the car did not receive new spark plugs, an air filter, brake fluid replacement or a new fan belt which have now all fallen due and hence the major service due warning light. Had I not investigated this then the car would have potentially gone another 4 years, so 8 in total without some of these items being done.   i emailed the salesman to ask what they would propose to do. The matter is complicated by my living 450 miles away in Scotland, and 200 from their nearest branch, a Mercedes dealer in the Lake District, so I suggested getting my cheapest local specialist to do the works that have fallen due, however I have received no response.   Whilst I am still within my 30 days i don’t want to reject the car, which is otherwise perfect, but the fact remains that the Audi 150 point check only asks for upcoming mot’s to be checked and not services and surely you wouldn’t buy an approved used car and expect to have the service light come on 2 weeks later and have to spend almost £500 putting it right.   i would really appreciate some advice on next steps and perhaps who to escalate this to. Meantime the car is booked in for 2 weeks time to get the work done at the cheapest reputable place I could find.   Many, many thanks in advance
  • Recommended Topics

  • Our picks

    • Ebay Packlink and Hermes - destroyed item as it was "damaged". https://www.consumeractiongroup.co.uk/topic/430396-ebay-packlink-and-hermes-destroyed-item-as-it-was-damaged/&do=findComment&comment=5087347
      • 32 replies
    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
        • Haha
        • Like
    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
  • Recommended Topics

  • Recommended Topics

Car Accident: Shall I Accept Third Party Offer to Repair the Car


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1544 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I had a car accident last week where someone drove at the back of my car while I was stationary at traffic lights and reported the accident to my insurance who called me on Friday offered me repair at their approved user once I paid Excess. They said once they have the other party accept liablity I would receive my Excess back and this would not be marked as FAULT accident on my claim. I asked them to wait until Monday as I wanted to send all the evidence about liablity to my insurance first. (Excess is Only £100 so its not a big deal at all).

 

Then on Saturday I received a phone call from Third Party's insurance who said their client has admitted the liablity and therefore they are willing to repair my car at their approved garages and happy to provide me a courtesy car and if I chose to go ahead I wont even have to pay EXCESS. I said to them I will need to discuss this with my insurance first then give them an answer on Monday. Third party advised me to inform my insurance they have admitted liablity.

 

I need to ask few questions if someone can kindly help:

1) Is this something normal for third party to call and offer repairs and courtesy car as it sounds very fishy?

2) Who should I choose to repair my car i.e. my insurance or third party insurers (EXCESS is not an issue as its only £100)

3) By looking at damage I took quoatation from few local repair garages and it is in Excess of more than 75% of my car's value. In this case will my car be written off? I would prefer my car not to be written off as its a perfect runner and I've always looked after it.

4) Which insurance is least likely to write my car off? Third Party or My insurance?

5) Because It will now be recorded as an accident on my insurance it is likely to affect my future premiums as some insurance companies think once in accident is more than likely to be in another accident regardless of fault or no fault. Can I in this case claim for increase in my car insurance premium from the 3rd party insurance? (I know this sounds very wierd question but I see increase in premium as a direct consequential loss of the accident caused by the 3rd party insured).

 

I am therefore very confused and any help in this matter will be highly appreciated.

Link to post
Share on other sites

1) Is this something normal for third party to call and offer repairs and courtesy car as it sounds very fishy? - Quite possibly a claims management company acting on behalf of the insured, and quite normal to keep the other side's costs to a minimum. Our firm do the same, especially after a couple of fault claims where the other side then billed thousands for courtesy car and storage costs

2) Who should I choose to repair my car i.e. my insurance or third party insurers (EXCESS is not an issue as its only £100) - you don't need to choose - your insurer will deal with that, but it will normally be their approved repair facility (although if you have a good reason not to use them then you can often insist on your choice of garage, but may lose the courtesy car as a result

3) By looking at damage I took quoatation from few local repair garages and it is in Excess of more than 75% of my car's value. In this case will my car be written off? I would prefer my car not to be written off as its a perfect runner and I've always looked after it. - If the repair value is less than the book price (Glass Guide) then it is usually repaired

4) Which insurance is least likely to write my car off? Third Party or My insurance? It is a third party claim, so the decision is with their side, but as all companies use the same rates then there is no difference

5) Because It will now be recorded as an accident on my insurance it is likely to affect my future premiums as some insurance companies think once in accident is more than likely to be in another accident regardless of fault or no fault. Can I in this case claim for increase in my car insurance premium from the 3rd party insurance? (I know this sounds very wierd question but I see increase in premium as a direct consequential loss of the accident caused by the 3rd party insured). - Unlikely. It is a common question but I have never heard of anybody being successful in getting that back

 

..

Any advice given is done so on the assumption that recipients will also take professional advice where appropriate.

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

DONATE HERE

 

If I have been helpful in any way - please feel free to click on the STAR to the left!

 

Link to post
Share on other sites

If the third party Insurers are a decent company, then yes it can be a good way to proceed. They have accepted liability for the accident damage.

 

The only problems are

 

1) No contractural rights, because they are not your insurers. If you had a problem, you can't go to the FOS. If the car was not repaired properly and you reached a deadlock, you would have to sue them.

 

2) if their approved garage writes off the car, as the repair is too expensive, you can lose control. The car might be taken miles away from where you live. If you disagreed with the write off, then you might have hassle of getting it inspected by your own insurers to see if they would repair it. It can be more difficult dealing with a third party insurers in regard to a write off value, as you don't have the same contract/FOS protection.

 

There are pros/cons of dealing with own or third party insurers. Sometimes a third party insurers are better dealing with a claim than your own insurers. It depends on who you trust more.

 

To add to the previous response in trying to claim back from the third party a sum related to premium increases. The problem has always been calculating a loss value. Because the loss only occurs at a future renewal and is not a known quantity until you have had definite confirmation in writing from your Insurers, then it is difficult. Any court would want definite proof from your Insurers of the non fault accident premium increase. And then there is the question of what you did to mitigate against loss e.g shop around for alternative insurance. So for a £50 premium increase, where you shopped around and found a policy say £20 cheaper, are you really going to issue a court claim for £30 ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

Thanks to both Sidewinder and UncleBulgaria for usefull advice. I will take this forward with my own insurance as they are more likely to look out for my interest. As you said UncleBulgaria if insurance goes up I will definitely be doing some shop around before buying a new insurance as we all do. I will try get a quoatation with and without mentioning accident for the quoatation and try to work out the price difference and see if its worth going to court.

Either way I will mention it to my insurance when it comes to settling this claim hopefully with repair or worse come scenario write off that I intend to pass any increase in insurance premium to 3rd Party as it is direct consequential loss of this accident.

Quick question at this stage though: How does courtesy car works out? I have been assured courtesy car by third party but I have standard Courtesy Car NOT Guaranteed Car Hire with my insurance. Will I still get courtesy Car if I proceed with my insurance? Car is desperately needed for commuting to work and moving family from one place to other. Also if I do get courtesy car will it be something similar to car I drive (my car is luxury edition with everything being automatic etc)

Link to post
Share on other sites

Basically, under your policy, you only get a courtesy car, if the garage repairing your car has one available. Other than that, you just hire a car and claim cost back from third parties insurers. The third party insurers have offered to pay for one anyway and liability is not disputed, so third party insurers should reimburse you fairly quickly.

 

What you will find with the garage courtesy car is that it is a basic small car. If you want a better car similar to your current car, then you would need to hire one at your own expense and claim it back from third party insurers. The third party insurers would only have ever provided a standard car, just so you can travel around. So be careful, not going too over the top, if you don't need to, as the third party insurers might kick up a fuss if too expensive.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites
Do you mean I need to inform third party and get their consent before hiring car and about which car I can hire? Small car isn't good due to family needs

 

No. But as you would be paying for it and claiming back from the third party, you need to justify it. It must be similar to the car which in a garage being repaired.

 

You could phone the third party insurers to let them know you will be claiming off your own insurers policy and mention that you need a hire car for the period you will be without one. Perhaps they have a discount arrangement with a hire company and it will make claiming back cost easier.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

I've proceeded via my own insurance route as I believe they are more likely to look after my interests rather than third party insurers. I informed them about third party admitting liability and they have happily suggested they would arrange for approved Repairer and Rent a Car company to contact me for Courtesy Car. They also said I won't be paying to Rent A Car company as they will bill third party insurance directly.

Will update on next steps for now massive thanks to all who helped

Link to post
Share on other sites

Guys a big problem please help me with this. I've just spoken to Rent a Car company appointed by my insurers and they are only Offering me a 1.6 litre Hatchback car while my car is 2.0 litre Saloon Car. I did mention to insurance this morning I want like to like Courtesy Car due to family needs which includes little children and someone with disability and 1.6 litre Hatchback is by no means a substitute as boot space, engine size and passenger capacity is too small compared to my need BUT they are saying that's all they can authorize due to age of my vehicle.

Any help who and how to escalate this matter to? Getting really stressed

Link to post
Share on other sites
Guys a big problem please help me with this. I've just spoken to Rent a Car company appointed by my insurers and they are only Offering me a 1.6 litre Hatchback car while my car is 2.0 litre Saloon Car. I did mention to insurance this morning I want like to like Courtesy Car due to family needs which includes little children and someone with disability and 1.6 litre Hatchback is by no means a substitute as boot space, engine size and passenger capacity is too small compared to my need BUT they are saying that's all they can authorize due to age of my vehicle.

Any help who and how to escalate this matter to? Getting really stressed

 

Rent a car will be working within authorisation limits by your Insurers, so if you want something more then you need your Insurers to authorise with Rent a car. Get on the phone to your insurers to explain the situation. It is not the engine size, but the size if car for your needs.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

I tried they won't budge quoting due to age of my car it falls in a lower class hence I've been offered 1.6 litre hatchback. I've raised this as a complaint with complaints department who will be contacting me in 24hours. Or alternatively I've been advised to contact third party insurers directly to see if they can sort out Courtesy Car. But if not resolved size of Courtesy vehicle will be causing serious issues and will impact mobility specially of my family which includes people with disabilities with reduced mobility and little children.

Link to post
Share on other sites
I tried they won't budge quoting due to age of my car it falls in a lower class hence I've been offered 1.6 litre hatchback. I've raised this as a complaint with complaints department who will be contacting me in 24hours. Or alternatively I've been advised to contact third party insurers directly to see if they can sort out Courtesy Car. But if not resolved size of Courtesy vehicle will be causing serious issues and will impact mobility specially of my family which includes people with disabilities with reduced mobility and little children.

 

Check your policy. It may only provide for a basic hire car, rather than a specific size / capacity. Some policies only cover for a basic hire car (and some of those then offer "enhanced courtesy car cover" at an additional premium!)

If they offer this at an additional premium expect them to say "Basic courtesy car only, you had the option to pay more for enhanced courtesy car cover & chose not to".

Link to post
Share on other sites

 

I will try get a quoatation with and without mentioning accident for the quoatation and try to work out the price difference and see if its worth going to court.

 

Is there any risk to the OP doing this (might it look like an attempt at fraud?)

If there is, would the risk be any less by asking the question of a broker rather than "DIY through websites"?

Link to post
Share on other sites
Is there any risk to the OP doing this (might it look like an attempt at fraud?)

If there is, would the risk be any less by asking the question of a broker rather than "DIY through websites"?

 

Yes there is a risk in doing this. These comparison sites report such activity to Insurers and it could cause problems. It is supposed to be anti fraud measure, but could catch those looking to see how much a non fault accident claim affects them.

 

Well spotted !

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites
Check your policy. It may only provide for a basic hire car, rather than a specific size / capacity. Some policies only cover for a basic hire car (and some of those then offer "enhanced courtesy car cover" at an

additional premium!)

If they offer this at an additional premium expect them to day "badic courtesy car only, you had the option to pay more for enhanced courtesy car cover & chose not to".

 

 

Hi BazzaS I believe this might be the case but how is a 1.6 Litre Hatchback equivalent to a 2.0 litre Saloon car?

Link to post
Share on other sites

Many Thanks I have since checked it with my insurance and they said they do not raise premium for non fault accidents however there might be some insurance who might do so. I would definitely check with Brokers instead of comparison websites to be sure even though I've been assured my premium wont be bumped up

Link to post
Share on other sites

According to my insurers I can pursue Courtesy Car with third party insurance however since that will be arranged by third party therefore third party will have to provide me with insurance cover on Courtesy Car.

I have therefore raised this as a formal complaint with my insurers as I am not happy at all with this kind of service in regards to my Courtesy Car arrangements and I've been advised I would be contacted in next 48 hours regarding this.

Link to post
Share on other sites
Hi BazzaS I believe this might be the case but how is a 1.6 Litre Hatchback equivalent to a 2.0 litre Saloon car?

 

It isn't equivalent, but they aren't saying that a basic courtesy car is equivalent!!

They are saying "you get a (non-equivalent) courtesy car unless you pay extra"

 

So, for example:

http://www.aviva.co.uk/car-insurance/benefits/

Under "Enhanced courtesy car upgrade"

 

Or, http://ask.co-opinsurance.co.uk/help/car_insurance/court_car

"Our Co-op Car Insurance policy entitles you to a courtesy car (typically a 1 litre vehicle) whilst your vehicle is being repaired by a Co-op Insurance appointed repairer after suffering insured damage.

 

.............

 

you can buy our Enhanced Courtesy Car cover that will provide a vehicle similar in engine size to your own (up to 1.8 litre) if your vehicle is stolen and not recovered or written-off.

 

So, you can insist on an equivalent courtesy car from the 3rd party insurers, press your insurers for an equivalent (asking them to persue the other party's insurers for the difference, or ask your insurers if you can pay the difference and get the larger car through them & recover the difference from the 3rd party's insurer later .....)

Link to post
Share on other sites
It isn't equivalent, but they aren't saying that a basic courtesy car is equivalent!!

They are saying "you get a (non-equivalent) courtesy car unless you pay extra"

 

So, for example:

http://www.aviva.co.uk/car-insurance/benefits/

Under "Enhanced courtesy car upgrade"

 

Or, http://ask.co-opinsurance.co.uk/help/car_insurance/court_car

"Our Co-op Car Insurance policy entitles you to a courtesy car (typically a 1 litre vehicle) whilst your vehicle is being repaired by a Co-op Insurance appointed repairer after suffering insured damage.

 

.............

 

you can buy our Enhanced Courtesy Car cover that will provide a vehicle similar in engine size to your own (up to 1.8 litre) if your vehicle is stolen and not recovered or written-off.

 

So, you can insist on an equivalent courtesy car from the 3rd party insurers, press your insurers for an equivalent (asking them to persue the other party's insurers for the difference, or ask your insurers if you can pay the difference and get the larger car through them & recover the difference from the 3rd party's insurer later .....)

 

Excellent BazzaS!! Tomorrow I will contact third party insurers and ask them to sort out similar Courtesy Car (Saloon for Saloon) and see if that works IF NOT then when my insurers complaint department gets in touch I will ask them either to provide me with similar car or ask them about the option of claiming the difference back from third party.

I dont think my insurers will be paying for anything more than a 1.6 litre hatchback because when I spoke to them today they said courtesy cars are provided by Enterprise Rent a Car and they give out vehicle based on the probablity of recovering the money back from third party insurers and giving me more than this car will be a risk to them. Seems like an agreement between my insurers and Enterprise Rent a Car where they invest money based on probablity of recovering it?

Link to post
Share on other sites

Do you realise the hire car your Insurer are proposing is a "Credit Hire Vehicle"

 

The other Insurers (Direct Line) offered to provide you with a like for like hire car at their cost and their risk.

 

Are the credit hire company your Insurers have transferred you too (They will be paying your Insurer a commission payment of circa £350) aware that Direct Line offered you a hire car before you were put onto the Credit Hire company? It can make it difficult for the CH company to recover their costs from DL as DL will say their outlay would have been less if you had mitigated your losses by using their proposed hire car (Which costs many times less than the Credit Hire companies vehicle).

 

Are you aware your own Insurer (Assuming your claiming from your own Insurance policy and paying your excess) are likely to deduct any remaining instalments from your Insurance premium (Assuming you did not pay in one payment up front) from the write off value of your car (Assuming your car is written off). Although they should allow you to cover your replacement vehicle in the policy.

 

If you claim for the write off directly from Direct Line, they will not make a deduction for your remaining instalments

Link to post
Share on other sites
Do you realise the hire car your Insurer are proposing is a "Credit Hire Vehicle"

 

The other Insurers (Direct Line) offered to provide you with a like for like hire car at their cost and their risk.

 

Are the credit hire company your Insurers have transferred you too (They will be paying your Insurer a commission payment of circa £350) aware that Direct Line offered you a hire car before you were put onto the Credit Hire company? It can make it difficult for the CH company to recover their costs from DL as DL will say their outlay would have been less if you had mitigated your losses by using their proposed hire car (Which costs many times less than the Credit Hire companies vehicle).

 

Are you aware your own Insurer (Assuming your claiming from your own Insurance policy and paying your excess) are likely to deduct any remaining instalments from your Insurance premium (Assuming you did not pay in one payment up front) from the write off value of your car (Assuming your car is written off). Although they should allow you to cover your replacement vehicle in the policy.

 

If you claim for the write off directly from Direct Line, they will not make a deduction for your remaining instalments

Excellent points never thought of fact that my insurers might be earning commissions from Courtesy Car company. My only reason to deal with my own insurance company was that I thought they are more likely to guard my interests than third party i.e things like getting car repaired to standard and in case of write off giving me proper value for my car. If I agree to deal directly with third party I won't stand a chance to argue back for things such as quality of workmanship and car value in case it's a write off.

Not sure if people will agree with my point that it's better to deal through your insurance rather than third party but any suggestions and specially personal experiences in similar situations are welcome

Link to post
Share on other sites

Which is why I was asking you on the other forum who you are insured with.

 

If you had disclosed this we can give you an informed opinion on how good your own Insurer are likely to be.

 

I can tell you that Direct Line are pretty good when dealing with third parties as it's in their interest to control the claim as they can keep the costs reasonable eg by cutting out the Credit Hire company.

 

A lot of Insurers see handling a third party well (Such as your situation) a good way of winning long term customers by showing them how good they are

Link to post
Share on other sites

Had a phone call from the Car Hire Company informing me that having spoken to my insurance, my insurance company has now approved a like to like car as the 1.6 litre hatchback initially provided was not suitable to my needs. The person who could've made this decision was not in the office all day yesterday hence all the troubles however now they are providing me a 2.0 litre Saloon car. At least takes the stress off which I had thinking how to fit my family in the little hatchback.

Link to post
Share on other sites
  • 2 weeks later...

I've had a little update. My insurers called me on Friday and told me that they are calling for my car's valuation. I was surprised at first as why they want to do valuation on my car but during the course of the call insurers informed me that since the repair bill on my car will be £2000 they have decided to write my car off as CAT C. To make the issue worse they only offered me £1000 as car's value.

I was furious as firstly I wanted them to repair the car instead as my car has been properly looked after but then understanding most insurers would write the car off I was furious at the £1000 offer.

I asked them what is their valuation based on? Their reply was "Fair Market Value" based on age and mileage of the vehicle.

I argued that my car has 4 New Tyres, recent service and is a luxury edition and I could've sold it for far over then £1500 (a fact) but they kept insisting its a Fair Market Value not the value the value it could've been sold as the value I believe my car would've been sold is my opinion not Fair Market Value. I asked if they have engineer's report and insurance agent said engineer's report is only for accessing damage and they dont have it as the insurance agent was responsible for valuation rather than valuation being based on engineer's report.

So at that stage I said I would look for similar cars and send them details how much they sell for but he insurance agent still said some cars sell for more some for less we are offering Fair Market Value.

I know they are offering me less than the car is actually worth what are my options at this stage?

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...