car stolen from repair garage

property.advert

In no way should your insurance be used at all. The garage is at fault, hook, line and sinker. They have to pay out.

Remember that it is the garage who is wrong and pays out. Whether they have insurance or not.

ihateyes

i would agree, if either insurer squirms their way out, i would sue the owner of the garage for negligence.

vaio

Lum wrote: »

.......I'd pursue a claim directly with the garage and their insurance if possible, same as I would advise for any claim where there is a 3rd party who is clearly at fault.

Even if the garage's insurance wont pay out because the keys were unsecured and unattended they are still responsible as this is clear evidence of negligence on the part of the garage so they will have to pay out from their own profits.

Spot on......

s_b

Mechanic i know was full one night so a property next to him offered to hold an expensive £10,000 vehicle overnight in their locked premises.
The same night these premises were arsoned
The mechanic went to court arguing that he took all due precautions and nothing more could he do.
The owner of the £10,000 lost his case (vehicle was uninsured at the time too due to only being there for mot rectification work.
Mechanic didnt pay a penny
Neither did holding property

Woody._2

bingy_burge wrote: »

I am saying as understand it.

Just be told, your understanding in this case is wrong.;)

dacouch

s_b wrote: »

Mechanic i know was full one night so a property next to him offered to hold an expensive £10,000 vehicle overnight in their locked premises.
The same night these premises were arsoned
The mechanic went to court arguing that he took all due precautions and nothing more could he do.
The owner of the £10,000 lost his case (vehicle was uninsured at the time too due to only being there for mot rectification work.
Mechanic didnt pay a penny
Neither did holding property

That's a good example of how negligence works, in a lot of cases of fire at a garage, the garage are often not liable for the customers as it's fairly easy you have taken "reasonable" care. Although often the decent Insurers will pay the customers car claims.

A theft of a vehicle from a garage is more complicated as there are more variables as due to modern cars security, thieves target motortraders to steal the keys so this along with whether the unit is in an area prone to theft and any physical security features would be taken into account.

I had a client whose £85k Ferrari was written off by a Ferrari specialist whose mechanics had taken it on a "Test" drive after servicing it and spun twice on a wet road before it left the road and embedded on a verge. I successfully claimed for him against the garages insurance although the alternative car they offered while the claim was being paid was a Fiat Punto... The garage policy did not cover credit hire / hire car costs so he was not able to use a credit hire company or hire one himself as it would have involved taking the garage itself to court for the costs which would have been a lot and with no guarantee of reclaiming them

prowla

newfoundglory wrote: »

The problem with "interviews" like this, is that questions you do not know the answers to will lead to a guess and you will end up contradicting yourself.

About 3 months after I started driving, someone crashed into the back of my car at a roundabout. When i got home, I called my insurer to report it who asked some questions (registration details, street, speed i was going, time etc)

A question I couldn't answer was the time the accident happened. I couldn't for the life of me remember the time the accident happened - not even to the nearest few hours. I couldn't work out how much time had passed since the accident, swapping details, getting back home to actually making the phone call. Put on the spot on the phone, after a few seconds I actually took a guess.

I was given some information, and then I was then put through to a non-fault claims management company, who asked similar questions. They too also asked the time of the accident. Because I couldn't remember the time of the accident or even what i'd told my own insurer 10 mins previously, I took yet another guess at what the time might have been...

Most mobile phones these days have a camera - it's easy to take a few pictures of the scene, and they would have the date & time.

MILLYMOLLY

Son's had interview on the phone, they said they couldn't send in the post. He said it went ok, he thinks and now they want to talk to husband. Son asked why all this when we want to claim through garage insurance and the guy said it was protocol.

Tilt

MILLYMOLLY wrote: »

Son's had interview on the phone, they said they couldn't send in the post. He said it went ok, he thinks and now they want to talk to husband. Son asked why all this when we want to claim through garage insurance and the guy said it was protocol.

Isn't it the garage that they should be 'interviewing'?

vaio

MILLYMOLLY wrote: »

Son's had interview on the phone, they said they couldn't send in the post. He said it went ok, he thinks and now they want to talk to husband. Son asked why all this when we want to claim through garage insurance and the guy said it was protocol.

It might well be quicker and less hassle if you do just that, claim directly off the garage rather than via your own insurance.

Tell the garage you need a replacement car too, the thought of having to pay £200 a week hire charges until the claim is settled will help concentrate their minds on your claim as it moves it from being in their best interests to drag things out and delay paying to being in their best interest to settle things as quickly as possible.