Goskippy and auxillis car hire charges

[unclebulgaria67]

I don't understand your post  so I will try to figure it out as follows.

 

Your Sister only has Third Party cover with Go Skippy, which does not cover damage to her own car.

 

Under her Go Skippy policy, they put her in touch with AX who are an accident management and credit hire vehicle provider.

 

 AX only provide the Courtesy (credit hire ) car because they thought the third party driver may be at fault for the accident.   And your Sister did not have a car that was in a roadworthy condition and the car remains unroadworthy because your Sister does not have the savings to pay for the repair.

 

AX are not providing a courtesy car.  They are providing a fairly expensive hire car on the basis that they hope to recover the cost of this from the third party. 

 

AX are wanting the Bank statements from your Sister, so when they try to recover the Car hire costs from the third party, they can justify continuing to provide the hire car, on the basis that your Sister cannot pay to repair her own car.

 

At the moment, the third party Insurer Admiral are disputing liability for the accident, so at this point AX are trying to limit the potential debt liablity for the credit hire car that your Sister will owe them.  If Admiral are never held liable to pay for the repairs to your Sisters car and the Credit hire car, then AX will be trying to recover the Credit hire car cost from your Sister.

 

Based on your description of the accident, it indicates the third party was at fault, but were they 100% at fault ? 

 

I think your Sister needs to speak to AX to ask them why Admiral considers their driver is not 100% liable for the accident.  AX are supposed to be providing an accident management service, so what are they doing to help her.  I think she needs to ask AX this question.

 

 

[unclebulgaria67]

I think your Sister needs to check carefully what she agreed to with AX.  They are providing a car on a credit hire basis, but what is the daily rate for this hire ?

 

I think your Sister needs to consider other options.  Can she do without the hire car ?  Can she hire a car for a cheaper rate elsewhere ? Can she find ways to pay for the repairs ?  Can she borrow a car from friends/family when she needs one ?

 

Even if your Sister is found 0% liable for the accident, it might take months before Admiral agree to pay anything.  And they might refuse to pay some of the credit hire costs.  Your Sister could find herself owing a large debt for the hire car.

[unclebulgaria67]

Work out the cost to date.  How many days hire so far ?

 

What car did your Sister have that was written off ?

 

Is the hire car similar to your Sisters car ?

 

These credit hire companies are just trying to make money providing expensive hire cars.

[unclebulgaria67]

Car value apparently £2200. ( post #3 )

 

Car hire possibly £3000.

 

Wonder why the third party Insurers Admiral are refusing liability to pay !

 

Not sure ths is really about who is at fault for the accident, but is more to do with AX and their expensive courtesy car.

 

Pretty sure this claim would have been settled by Admiral, had the Sister dealt with this claim not using AX.

 

Think that a complaint to AX should be made, but possibly after sending them an SAR to request all information including any phone call recording where any courtesy car was discussed.

 

 

[unclebulgaria67]

I will have a think about this and come back later.

 

AX have provided very poor information in this case, if they told you that you had a good chance of claiming everything back from the third party.

 

If you were travelling at 30mph on a road which had ice and snow, this was arguably too fast for the conditions.  I would also question the visibility conditions e.g light level, parked cars.

 

AX arguably had a duty to explain that liability for the accident was not clear and that they could provide a hire car, but if you were found party responsible for the accident, you would have to pay some of the hire car costs, plus the daily rate of hire car etc.

 

SAR to AX is a must, asking for copy of the phone call recordings and claim information on their systems.

[unclebulgaria67]

@Gemma19194

 

Having checked the AX website FAQ, it appears they now offer the hire car on a no win no fee basis, providing you complied with their terms and conditions.  Just make sure this is what your arrangement is with them and make sure you ask them how you can comply with their terms and conditions. 

 

What is Credit Hire and Credit Repair? (ax-uk.com)

 

 

Quote

Will it cost me anything, or is it a free service?

We pay the charges for you, which is why it is called Credit Hire, so you don't have to. 

You are legally responsible for the hire charges, but we will claim them on your behalf from the fault party.  

If we are not able to recover the hire charges from the fault party, provided you have complied with the terms of the rental agreement (which includes co-operating with us throughout your claim), the hire charges will be written off.

This is known as a contingent liability or, simply, no win no fee