Courtesy car - insurance

gjs6385

Hi all,

I am currently driving a courtesy car provided by Sandicliffe whilst they repair a used car that I purchased from them at the beginning of March which turns out to have had a blown head gasket.

Unfortunately, a woman ran into the back of the courtesy car last night and did very minimal damage to the exterior. I have informed the garage from which I borrowed the car and they are now saying I have to pay £250 excess even though it wasn't my fault.

This can't be right surely?!

Quentin

You will have signed and agreed to this when taking the car. (If not complain and don't pay.)

You can pursue the third party to refund you.

InsideInsurance

Yes it is, that is the normal process. You then recover your excess from the other party. The excess is always payable, it is an uninsured loss.

gjs6385

I think my first course of action will be to complain and don't pay as I only have the car in the first place because the one they sold me was defective, and if it happened in my car I would just claim from the third party.

As a last resort then, from what you're saying I would be able to recover any monies lost from the third party insurer - how would I get their contact details though? Would I just have to speak to the woman who hit me?

InsideInsurance

Yes, or the garage who can speak to their insurers who will confirm the details for you

Also not all insurers will deal directly with the third party and so if it were your own car you would then be left in the same position of having to either claim off your insurance, pay the excess, and then recover from the TPI or having to pay all the repairs etc yourself and then claim for the completed claim against the third party.