Useless Car Insurance Company Advice Please

Ms-Money-Penny

My daughter must be insured with the most useless car insurance company in the world. The company is MARKERSTUDY an off shoot of Endsleigh.
Last summer she had a bump, uninsured driver at fault her car was written off took said company over two months to pay out and then wrote and asked for money back as she was not insured with them. Wrote to their complaints dept in Gibralter and sorted it out very apologetic.
Three weeks ago she was rear ended by a 4 x 4, car a write off. Phoned her insurance company and they told her that it was HER fault and even though she has fully comp insurance wouldn't gve her a courtesy car. The 3rd party insurers inspected the car three days later. Her insurance company haven't done a thing. She gets passed from one department to another. She contacted Helphire who are taking the case up on her behalf as the insurance company were not interested and she has been given a courtesy car. But her car has still not been inspected by her own insurance company and even Helphire have been given the run around. At wits end now, any advice thanks

MarkyMarkD

Hardly any insurer will give a courtesy car in respect of a write-off, as you need to replace the car in any case.

I don't see how they said it was her fault if she was rear-ended.

She shouldn't hire a car from Helphire if the car is definitely a write-off, she should demand an immediate settlement from her insurers and buy a replacement car.

Bossyboots

She doesn't even have to use her insurers, she can claim directly from the third party driver/insurer.

Marker_2

I was with markerstudy and my claim still asnt been sorted. 3rd party who was at fault, thier insurers Direct Line ave been great, quick ff he mark and very help ful when Ive contacted them. Markerstudy told me they didnt give out courtesy cars even though they do and instead put me through to Proximo where they told me ihad topay.

I wrote a letter of complait tothem asking for a reply or recognition within 7 days, 3 weeks later had areply, promtly told my one andonly reply on the matter, sent afurther letter which afew months on still havent had areply to. Once myclaim etc gets sorted I wi ll becontacting them again and also FSA because they have been truely awful as acompany. Dont know their !!!! totheir elbow. Would never go back tothem.

BruceyBonus

Ms-Money-Penny wrote: »

The company is MARKERSTUDY an off shoot of Endsleigh.

They have nothing to do with Endsleigh. Markerstudy (a Gibraltar company), underwrite their own policies.

dunstonh

Three weeks ago she was rear ended by a 4 x 4, car a write off. Phoned her insurance company and they told her that it was HER fault and even though she has fully comp insurance wouldn't gve her a courtesy car.

Most insurers dont give courtesy cars out on write offs.

The 3rd party insurers inspected the car three days later. Her insurance company haven't done a thing.

If the other insurers are accepting liability and paying out then her own insurers have very little that is needed to do and dont need to inspect the car.

She contacted Helphire who are taking the case up on her behalf as the insurance company were not interested and she has been given a courtesy car.

I dont know what helphire is but who is paying for that car? Surely it cannot be a courtesy car but a hire car?

lisyloo

I dont know what helphire is but who is paying for that car?

Helphire are a claims amnagement company and will provide a hire car and then charge high prices to the third party.
They will also help with personal injury claims and get try to get high costs for themselves.

Sometimes the insurer will not agree to ludicrous hire car charges (I've heard of 5 figure sums where it would be cheaper to BUY a car) and the individual gets taken to the small claims court.

They will only take cases where there is something in it for them (they try to charge the 3rd party lots).
This can lead to extra stress beause it's the individual that gets taken to court.

dunstonh

Thanks lisyloo. I suspected that was the case.

I also suspect the OP is confused with the process and terminology and perhaps is getting inflation second hand and that isnt helping. I suggest the daughter contacts the claims line and asks for advice on what to do and asks what the process is and writes it down.