Goskippy and auxillis car hire charges

[Manxman in exile]

I appreciate this is too late for the OP's sister, but for others who might read this thread (and the OP's sister going forward), can I just say it is a false economy to have third party only insurance?

 

The difference in premiums between fully comprehensive and third party only cover is fairly negligible for most reputable insurers these days and, in many cases, fully comprehensive can work out cheaper.

 

Credit car hire companies are despicable and the practice ought to be outlawed.  If the OP was referred to AX by her insurer, she ought to be complaining to them as I doubt they were acting in her best interests - as opposed to their own...   Arguably a clear conflict of interest and breach of fiduciary duty - but that's only my view unfortunately.

[Manxman in exile]

9 hours ago, BankFodder said:

...

And this is shocking treatment as far as I'm concerned because apparently her own insurer is saying that they are stuck because they don't have evidence and so they are putting their hands up to another insurer/driver who presumably also doesn't have evidence.
...

 

To be fair to Go Skippy (not that I really want to be fair) if there is no independent evidence or dashcam footage then it all boils down to "he said/she said" and neither insurance company has anywhere to go except 50/50.  And this is another reason that third party only cover is a really bad idea.

 

I suspect as unclebulgaria has pointed out that the main issue might be the cost of the credit hire car.  Only £2k write-off value on the sister's car, but rising to over £5k with car hire.

 

If Go Skippy referred her to AX, then they have in effect quite possibly nobbled her chances of getting anything from Admiral.  Another reason to complain about Go Skippy.

[Manxman in exile]

Just to clarify:

 

• did Go Skippy tell you they were passing this on to AX?

 

• Have AX shown you or linked you to any terms and conditions concerning the provision of the "courtesy" car?  When you said you would have a courtesy car, they didn't tell you that you might have to payfor it - in fact they told you your insurance would cover it?

 

• Have you signed anything with AX concerning the hire car?