Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@. Skimlinks & other affiliated links are turned on

Search
  • FIRST POST
    • Ypnos
    • By Ypnos 16th Jun 17, 4:30 PM
    • 5Posts
    • 0Thanks
    Ypnos
    Damaged lease car! Help!
    • #1
    • 16th Jun 17, 4:30 PM
    Damaged lease car! Help! 16th Jun 17 at 4:30 PM
    Hi everyone

    My 2 year personal Skoda car lease (that is contract hire, not hire purchase) is coming to an end in July. I spent the last 2 years stupidly thinking that VW Finance insured their car for minor damage, just like any car hire company would do. Turns out they don't (or at least they don't admit they do).

    So, the rear bumper has a 4cm horizontal crack and the front bumper has a minor scuff - both of these are car park related. I took it to 2 separate body shops and they both told me that the rear bumper will need changing. Both quotes were at the £1100 mark to fix front and back! It's a Skoda, not a Lambo!

    I went to my own personal insurance and they want to charge me the £350 excess twice, as separate claims (which would also invalidate my NCB protection).

    I find it ludicrous that after 2 years of driving, they now tell me that I must return it "in the exact same state they delivered it in" (their words). Considering it's not physically possible to return a car in the _exact_ same state it was delivered after 2 years, I struggle to understand how they don't insure against minor damage with just an excess payable by the customer.

    Anyone have any advice? I'm panicking as I do not have this kind of cash lying around...

    TIA
Page 1
    • debtdebt
    • By debtdebt 16th Jun 17, 4:34 PM
    • 199 Posts
    • 125 Thanks
    debtdebt
    • #2
    • 16th Jun 17, 4:34 PM
    • #2
    • 16th Jun 17, 4:34 PM
    Why would you think VW Finance or any other lease/hire company insure their car for minor damage?

    You've leased the car, you've insured it so you should claim from your own insurance for any damage you've caused to it prior to handing it back. Check the BVRLA guidelines to see if the damage is within the acceptable wear and tear guidelines. If not, get it repaired before sending it back.
    • BeenThroughItAll
    • By BeenThroughItAll 16th Jun 17, 4:35 PM
    • 4,230 Posts
    • 3,564 Thanks
    BeenThroughItAll
    • #3
    • 16th Jun 17, 4:35 PM
    • #3
    • 16th Jun 17, 4:35 PM
    Hi everyone

    My 2 year personal Skoda car lease (that is contract hire, not hire purchase) is coming to an end in July. I spent the last 2 years stupidly thinking that VW Finance insured their car for minor damage, just like any car hire company would do. Turns out they don't (or at least they don't admit they do).

    So, the rear bumper has a 4cm horizontal crack and the front bumper has a minor scuff - both of these are car park related. I took it to 2 separate body shops and they both told me that the rear bumper will need changing. Both quotes were at the £1100 mark to fix front and back! It's a Skoda, not a Lambo!

    I went to my own personal insurance and they want to charge me the £350 excess twice, as separate claims (which would also invalidate my NCB protection).

    I find it ludicrous that after 2 years of driving, they now tell me that I must return it "in the exact same state they delivered it in" (their words). Considering it's not physically possible to return a car in the _exact_ same state it was delivered after 2 years, I struggle to understand how they don't insure against minor damage with just an excess payable by the customer.

    Anyone have any advice? I'm panicking as I do not have this kind of cash lying around...

    TIA
    Originally posted by Ypnos


    What does the contract you signed at the beginning of the lease say?


    All the terms and conditions will have been there. You *did* read it, right?
    • Ypnos
    • By Ypnos 16th Jun 17, 4:37 PM
    • 5 Posts
    • 0 Thanks
    Ypnos
    • #4
    • 16th Jun 17, 4:37 PM
    • #4
    • 16th Jun 17, 4:37 PM
    Why would you think VW Finance or any other lease/hire company insure their car for minor damage?

    You've leased the car, you've insured it so you should claim from your own insurance for any damage you've caused to it prior to handing it back. Check the BVRLA guidelines to see if the damage is within the acceptable wear and tear guidelines. If not, get it repaired before sending it back.
    Originally posted by debtdebt
    Thanks for quick reply. That is my only option at the moment, it seems.

    If I hire a car there is an excess (usually excessive) to pay, unless I throw down some extra money for an excess waiver, or I take out excess insurance where I pay it if needed and then claim it back.
    • motorguy
    • By motorguy 16th Jun 17, 4:40 PM
    • 15,086 Posts
    • 8,517 Thanks
    motorguy
    • #5
    • 16th Jun 17, 4:40 PM
    • #5
    • 16th Jun 17, 4:40 PM
    Hi everyone

    My 2 year personal Skoda car lease (that is contract hire, not hire purchase) is coming to an end in July. I spent the last 2 years stupidly thinking that VW Finance insured their car for minor damage, just like any car hire company would do. Turns out they don't (or at least they don't admit they do).

    So, the rear bumper has a 4cm horizontal crack and the front bumper has a minor scuff - both of these are car park related. I took it to 2 separate body shops and they both told me that the rear bumper will need changing. Both quotes were at the £1100 mark to fix front and back! It's a Skoda, not a Lambo!

    I went to my own personal insurance and they want to charge me the £350 excess twice, as separate claims (which would also invalidate my NCB protection).

    I find it ludicrous that after 2 years of driving, they now tell me that I must return it "in the exact same state they delivered it in" (their words). Considering it's not physically possible to return a car in the _exact_ same state it was delivered after 2 years, I struggle to understand how they don't insure against minor damage with just an excess payable by the customer.

    Anyone have any advice? I'm panicking as I do not have this kind of cash lying around...

    TIA
    Originally posted by Ypnos
    ???????????

    You thought it was ok if you batter the car a couple of times and VW Finance would put it through their insurance?

    You're not obliged to return it "in the exact same state" it was delivered in two years ago. You are obliged to return it, having looked after it subject to published "fair wear and tear" constraints.

    You have damaged and and are obliged to repair it.

    This is not VW Finances fault, nor your insurance companys fault - the blame lies with you.
    You are not special. You are not a beautiful and unique snowflake.
    • motorguy
    • By motorguy 16th Jun 17, 4:42 PM
    • 15,086 Posts
    • 8,517 Thanks
    motorguy
    • #6
    • 16th Jun 17, 4:42 PM
    • #6
    • 16th Jun 17, 4:42 PM
    Thanks for quick reply. That is my only option at the moment, it seems.

    If I hire a car there is an excess (usually excessive) to pay, unless I throw down some extra money for an excess waiver, or I take out excess insurance where I pay it if needed and then claim it back.
    Originally posted by Ypnos
    If you hire a car typically you use their insurance (and pay accordingly)

    With a lease you use your own insurance.
    You are not special. You are not a beautiful and unique snowflake.
    • neilmcl
    • By neilmcl 16th Jun 17, 4:42 PM
    • 9,705 Posts
    • 6,717 Thanks
    neilmcl
    • #7
    • 16th Jun 17, 4:42 PM
    • #7
    • 16th Jun 17, 4:42 PM
    So you think you can drive someone else's car around for 2 years and they should foot the bill for any damage you incurred, get real!

    I agree their statement that the car should be returned in the same state it was delivered is unreasonable but it should be returned in a reasonable condition taking into account fair wear & tear. As stated, google BVRLA fair wear & tear guide and have a read but I doubt the damage you describe will be covered.
    • d0nkeyk0ng
    • By d0nkeyk0ng 16th Jun 17, 4:45 PM
    • 407 Posts
    • 147 Thanks
    d0nkeyk0ng
    • #8
    • 16th Jun 17, 4:45 PM
    • #8
    • 16th Jun 17, 4:45 PM
    There's normally limits on what constitutes acceptable wear and tear, and these will have been in your fine print. Normally things like stone chips are okay but anything longer than (plucking a figure out of the air) 2cm is deemed as damage. Assuming this is what's happening with your car, you have some options:
    1. Return it in its current state and pay up whatever VW charge to repair
    2. Pay yourself to repair it
    3. Go through insurance (bearing in mind this will push up premiums for some years to come).

    TBH a cracked bumper might mean the whole thing needs to be replaced rather than just repaired. Similarly, a minor "scuff" could easily mean the whole area eg front wing needs respraying.

    You could take it to smart repairer and see if they could do anything. Otherwise you really need to pay for the damage done to the car. Remember that VW might well charge you a lot more than £1100 for the damage.
    • Ypnos
    • By Ypnos 16th Jun 17, 4:45 PM
    • 5 Posts
    • 0 Thanks
    Ypnos
    • #9
    • 16th Jun 17, 4:45 PM
    • #9
    • 16th Jun 17, 4:45 PM
    ???????????

    You thought it was ok if you batter the car a couple of times and VW Finance would put it through their insurance?

    You're not obliged to return it "in the exact same state" it was delivered in two years ago. You are obliged to return it, having looked after it subject to published "fair wear and tear" constraints.

    You have damaged and and are obliged to repair it.

    This is not VW Finances fault, nor your insurance companys fault - the blame lies with you.
    Originally posted by motorguy
    As stated in the post you quoted, it is car park damage i.e. from other cars who have just driven off. I haven't been involved in accidents nor have I driven recklessly. Also, please see second post regarding hire car insurance/excess.

    Also, not blaming anyone. I'm happy to pay an excess as it was damaged while it was in my care, obviously. Perhaps it was a mistake asking here.
    • motorguy
    • By motorguy 16th Jun 17, 4:57 PM
    • 15,086 Posts
    • 8,517 Thanks
    motorguy
    As stated in the post you quoted, it is car park damage i.e. from other cars who have just driven off. I haven't been involved in accidents nor have I driven recklessly. Also, please see second post regarding hire car insurance/excess.

    Also, not blaming anyone. I'm happy to pay an excess as it was damaged while it was in my care, obviously. Perhaps it was a mistake asking here.
    Originally posted by Ypnos
    You stated in your first post that it was car park related- you didnt say other people did it. Somebody must have hit you a serious whack for the car to necessitate a new rear bumper BTW.

    I've replied to your second post RE: hire car. You didnt read and / or understand what you signed up for did you?

    The implication of your first post was that :-

    (a) you had somehow been misled or were (are?) being lied to about minor damage insurance - "they dont admit they do..."
    (b) The repair charges were exhorbitant - "its a Skoda not a Lambo!"
    (c) Your own insurance company were in some way deliberately making it difficult for you to claim - "they want to charge me twice"
    (d) You've suddenly been told that you must return the car in good condition - "i find it ludicrous.."

    That looks an awful lot to me like trying to blame other people for your own mistakes.

    Theres no way round this - at some point you're going to have to pay out money to get it resolved.
    Last edited by motorguy; 16-06-2017 at 5:00 PM.
    You are not special. You are not a beautiful and unique snowflake.
    • motorguy
    • By motorguy 16th Jun 17, 4:58 PM
    • 15,086 Posts
    • 8,517 Thanks
    motorguy
    There's normally limits on what constitutes acceptable wear and tear, and these will have been in your fine print. Normally things like stone chips are okay but anything longer than (plucking a figure out of the air) 2cm is deemed as damage. Assuming this is what's happening with your car, you have some options:
    1. Return it in its current state and pay up whatever VW charge to repair
    2. Pay yourself to repair it
    3. Go through insurance (bearing in mind this will push up premiums for some years to come).

    TBH a cracked bumper might mean the whole thing needs to be replaced rather than just repaired. Similarly, a minor "scuff" could easily mean the whole area eg front wing needs respraying.

    You could take it to smart repairer and see if they could do anything. Otherwise you really need to pay for the damage done to the car. Remember that VW might well charge you a lot more than £1100 for the damage.
    Originally posted by d0nkeyk0ng
    ^^^^^^^^^^^

    THIS

    In a nutshell.
    You are not special. You are not a beautiful and unique snowflake.
    • debtdebt
    • By debtdebt 16th Jun 17, 5:04 PM
    • 199 Posts
    • 125 Thanks
    debtdebt
    Thanks for quick reply. That is my only option at the moment, it seems.

    If I hire a car there is an excess (usually excessive) to pay, unless I throw down some extra money for an excess waiver, or I take out excess insurance where I pay it if needed and then claim it back.
    Originally posted by Ypnos
    Yes, if you hire a car on a short term basis, they insure the vehicle and it's included in the daily price.

    In this case, you insure the leased vehicle and you still had the choice of having excess waiver i.e. you could have chosen to have a zero excess policy for the year but instead you chose to go for a lower annual premium with a £350 excess.
    • angrycrow
    • By angrycrow 16th Jun 17, 5:35 PM
    • 306 Posts
    • 221 Thanks
    angrycrow

    Also, not blaming anyone. I'm happy to pay an excess as it was damaged while it was in my care, obviously. Perhaps it was a mistake asking here.
    Originally posted by Ypnos
    Excellent, pay the excess of £700 (£350 x 2) on your insurance and be done with it. This is what you pay insurance for.

    I note you do not see why you should have your no claims bonus reduced and premiums affected. Even if you hire a car for a day if the car is damaged whilst in your care the incident is declarable when asking insurance companies for quotes.

    Probably a good idea to read and understand the terms and conditions on large financial commitments in the future.
    • BeenThroughItAll
    • By BeenThroughItAll 16th Jun 17, 8:04 PM
    • 4,230 Posts
    • 3,564 Thanks
    BeenThroughItAll
    What does the contract you signed at the beginning of the lease say?

    All the terms and conditions will have been there. You *did* read it, right?
    • flashg67
    • By flashg67 16th Jun 17, 8:35 PM
    • 2,146 Posts
    • 1,415 Thanks
    flashg67
    Check the BVRLA website for their wear & tear guideline that shows the agreed 'fair' allowances for returning lease car. Or even the VW finance version - https://www.vwfinance.co.uk/en/privatecustomers/how_agreements_work/solutions_pcp/_jcr_content/parsysContent/c911_download.downloadinline.pdf/23095_VW_Fair_Wear_Tear_Guide_v3.pdf

    Try one of the 'smart' repairers like 'Revive' to see if they can do the job cheaper. Lease companies & auction houses use this type of company too
    Last edited by flashg67; 16-06-2017 at 8:38 PM.
    • loskie
    • By loskie 16th Jun 17, 8:55 PM
    • 1,045 Posts
    • 631 Thanks
    loskie
    " I spent the last 2 years stupidly thinking "

    Yes you did.
    • ozmusafir
    • By ozmusafir 19th Jun 17, 10:37 AM
    • 19 Posts
    • 1 Thanks
    ozmusafir
    Stop panicking, firstly find the BVRLA guide and exclude damages which fall within the wear and tear category. Any damage over the category can be repaired by VW Finance approved body shop.

    I been leasing for 8 years and VW Finance are very lenient. 6 month ago I handed back my Audi A5 with:
    cracked bumper
    4 curb damaged wheels
    crack windscreen
    small dent in 3 different body panel
    scratches.

    VW Finance charged me £200, which is a laughable amount. Bodyshop wanted the price of a kidney.
    • maninthestreet
    • By maninthestreet 19th Jun 17, 10:34 PM
    • 15,013 Posts
    • 13,322 Thanks
    maninthestreet
    http://www.bvrla.co.uk/service/fair-wear-and-tear-guides
    "You were only supposed to blow the bl**dy doors off!!"
    • mark5
    • By mark5 20th Jun 17, 9:47 PM
    • 1,145 Posts
    • 767 Thanks
    mark5
    You could get a purchase price for the car and buy it from VW, avoiding the penalty fee and keeping the car!
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

4,855Posts Today

7,277Users online

Martin's Twitter
  • Byebye! I'm about to stop work & twitter, to instead spend glorious time with Mrs & mini MSE. Wishing u a lovely summer. See u in 10 days.

  • WARNING Did you start Uni in or after 2012? The interest's rising to 6.1%; yet it doesnt work like you think. See https://t.co/IQ8f0Vyetu RT

  • RT @JanaBeee: @MartinSLewis Boris is the anomaly (coffee), the others are versions of normal (beer). Lots of same candidates = vote share d?

  • Follow Martin