Car insurance Go skippy, Eldon, Enterprise, Help Hire, Southern Rock.

davefrombirmingham

January 9th I was involved in a RTA on a island, I contacted my insurer Go skippy within 2 hours, I was then told to phone Enterprise / Eldon as I was 3rd party.

I asked go skippy for for a update, after 3 weeks, they were no help at all, basically shouting down the phone saying I'm not insured as I'm only 3rd party.


on the 5th week, I was informed Enterprise are closing my case because of lack of liability from the 3rd party, basically told me because he hadn't sent back the paper work, Tesco's were denying liability.

I then informed Go skippy of this, they said they would phone me back, they didn't. I finally got a number for help hire of which apparently I paid my legal cover to, they stated the line I needed was busy and that they would phone me back.

After 3 days of waiting no call.

I chased up today and was told I'm not entitled to legal protection cover that I've paid for because the 3rd party got in there first.

He is insured by Tesco's but apparently use the same legal protection cover so it would be a conflict of interest.

I was then told that Tescos have recived the paper work from their customer and that they were lying to me.

As far as I know, Tesco's have not made a claim against me, I don't understand why Tesco's are stating to me that they haven't received the paper work from their customer but Help Hire are saying Tesco's have.

Surely if it was as clear cut as Help Hire are stating then surely a judgement would of been made?

I have a dash cam and have forwarded the footage plus video recording of our conversation to my insurer.

I started to record our conversation as I had doubts if he was insured as he wasn't sure if he was 3rd party or fully comp.

On the voice recording he offers to pay for the damage but then realises it will cost too much, I stated I will be claiming against him as he was fault as he went from lane 3 to lane 1 to hit me.

His front bumper and wing close to his bumper hit my front door fist then scrapped along to my wing near my door, basically a dented door and scratches.

Go skippy are part of Southern Rock, Eldon, Enterprise Help Hire, all based in Gibraltor.

I have now managed to get a claims management company to take on my case but its early days.

6 weeks in, still no closer

Avoid Go skippy, this has been really stressful, its worth paying more to go with a better insurance company, do your research as insurance is more than just a price.

I took the insurance out early April and there wasn't any reviews about them.

I should of known better because just 7 days after taking out the insurance I received a nasty email asking for my proof of licence and no claims etc, I promptly sent them via email.

7 days later they then stated they would end my cover due to them not receiving my proof.

I done a screen shot with the date proofing I had sent them, then heard nothing back, not even a apology, I then asked if they could confirm they have received the proof as I was scared about them cancelling my cover.

They also charge £75 just to cancel your cover.

I've paid for legal cover protection cover but basically being denied it, does anyone know if Tesco use the same company please?

Cheers and sorry about it being long winded.

arcon5

Surely if you've paid legal cover and there is a conflict of interest they should appoint a third party for you? I'd be threatening to appoint my own legal representation if they fail to remedy their breach of contract and sue them.

Regarding the damage to your car - why not skip insurance companies and send a letter before action to the driver of the other car, then sue the driver, the driver will then give their insurance company a kick up the rear to avoid a CCJ against him. Even if they don't it doesn't change the fact he would be liable and his insurance company are merely there to indemnify him

davefrombirmingham

I thought about them referring me onto someone but they wont.

They did go onto state a injury claim solicitor on a no win no fee basis but then said that wasn't viable as I sustained no injuries.

"
Regarding the damage to your car - why not skip insurance companies and send a letter before action to the driver of the other car, then sue the driver, the driver will then give their insurance company a kick up the rear to avoid a CCJ against him. Even if they don't it doesn't change the fact he would be liable and his insurance company are merely there to indemnify him "

Sounds complicated and expensive also I have no guarantee I will win as I've never been down this route as I haven't been involved in a RTA before.

I don't know what to believe any more ie if he has or hasn't sent back the paper work to Tesco's.

I do know he reported it verbally but I don't know if they discussed liability or simply that he was involved in a RTA.

arcon5

Even if you was injured these accident management companies are blood sucking leaches with only their own interests at heart... A proper solicitor with the same conditional fee structure would be better.

Small claims court is very straight forward and can be filed online. Although if he and his insurer defended it youd need to attend a hearing.
See moneyclaim.gov for loads of info- fees not too bad and automatically added to the claim.

Since your insurer have failed to honour the legal cover contract then start contacting the third party insurer directly.

You should seek a refund for the legal cover, but deal with that complaint individually.

Having seen your footage it doesn't appear you are in any way at fault - staying in your lane at all times.

davefrombirmingham

Thank you for your replies including the PM.

The plot thickens a little.

Just been on the phone to Tesco's, he has made contact today, they wouldn't tell me exactly what has been said but they did ask if Enterprise had been in touch but wouldn't answer why.

They use a different legal protection team so I don't know whats going on.

I have recently googled all those I'm dealing with and it does appear they don't communicate with each other and are very disorganised.

No way did I think this process would be so drawn out and stressful.

Today I posted a new diagram and detailed how the accident happened to my new accident management company.

I felt it was better for a claim management company to back me up than to fight the case my self, as I'm thinking they will push for their commission from the 3rd party also they make most of their money from car hire.

They will only the money if he is found at fault.

Never being 3rd party again and won't touch go skippy with a barge pole.

dacouch

Have a read of the second paragraph of Go Skippies legal cover Policy Document.

Remember a Policy is in effect a contract so Go Skippy / Arc are bound by the Policy / Contract.

http://goskippy.com/documents/legal-expenses-policy-wording-new.pdf

I suspect they think your case is not cut and dry

InsideInsurance

You need to ensure you arent mixing things up.

You have legal expenses providers and you have accident management companies.

If you have a totally cut and dry case and simply need basics like a replacement vehicle or just your excess being recovered then the insurer will pass your details (aka sell) to an accident management company like HelpHire.

If the case is more complicated or there are injuries etc then it will be handled under your legal expenses policy, though in some cases these are also managed via an accident management company but generally only the ultra budget ones.

Looking at the Go Skippy policy they seem to suggest that http://goskippy.com/documents/legal-expenses-policy-wording.pdf is your policy wording based on when you purchased the policy. This would suggest that the LE policy is underwritten by AmTrust and administered by Albany. (the one Dacouch linked to is only since Dec 2013 and is underwritten by Inter)

The policy doc says to call them on 08451212200 to make a claim. You need to be clear that you are approaching them as the administers of your LE cover and not just as a credit hire prospective client.

As helphire are simply credit hire providers for both parties it is clear they wont want to be giving hire to both given that means that without doubt they are going to lose on one.

davefrombirmingham

Thanks for your reply.

I contacted this Accident Management company because of Enterprise closing my case for the only reason stated was due to the time elapsed and that Tesco's aren't admitting liability nor will they consider liability until their customer has returned the written account of the accident.

I felt it was better for the accident management company to hopefully fight on my behalf, after all they are going to want the commission etc for winning the case.

I'm going to chase things up with them on Friday, hopefully Tesco's would of contacted my insurer then we can find out the next steps.

The AMC should receive my paper work tomorrow and hopefully enough time for them to tie up lose ends.

Go Skippy hasn't contacted Tesco at all.

InsideInsurance

If you are TPFT/TPO then your insurers will not assist you at all in proving an accident was someone elses fault as you arent insured for that. Your Legal Expenses providers (if you have it) are the ones that do this.

TPFT cover for accidents purely covers defence and so if the TP tries to claim against you then your insurers will deal with them. Whilst the TP/TPI isnt claiming then your insurers dont do anything because your not comprehensive

davefrombirmingham

That would explain why they have been no help at all but I had thought Enterprise would of stuck it out til the end.

At least I have a claims management company helping now that have taken on my case.

Thanks all.

InsideInsurance

Enterprise would only get money if they put you into credit hire, I dont think they do credit repairs.

As your vehicle is still drivable presumably then they are going to have to spend time and effort to try and sort out liability whilst they're not earning any money. Even when your repairs are done there is no guarantee that you dont take a courtesy car from the garage rather than their credit hire in which case they have spent time (and so money) in assisting you but dont get any income at all.

Credit hire companies will fight liability a moderate amount if you have an undrivable vehicle because they are earning whilst your in their car but generally have little interest in disputed liabilities with drivable vehicles.

Fuller AXM companies can be a bit more interested in these cases as they are better at pursuading you to claim for injury which is where the bigger income is generated from for them