Was in a Car crash Accident today involving 4 cars?

bery_451

Now i feel like returning the courtesy car back. I dont want to take responsibility of a new £12000 car. Driving it will be a risk. Why should i take responsibility of something that i did not put myself into? Shouldn't churchill take responsibility as they are the ones that arranged the courtesy car?

OnanTheBarbarian

Why don't you ask Enterprise what the £1 is for?

If you crash it, you will be liable for the excess contribution on their policy/ under the terms of the rental agreement you have signed, which could be as high as £1k. All the info will be in the terms & conditions of whatever you have signed when they dropped the car off.

The card details are often taken so they can take the excess payment from you or if you did a bunk in the car etc then they can hose you down much easier.

Tilt

Card will also be for ID purposes. It also sound like they want to make sure your insurance are covering you to drive it.

Tilt

jimjames wrote: »

Who does?

Someone you've assumed isn't insured based on no actual facts?

Did you read post #1? Dosn't take much assuming, does it?

TBagpuss

bery_451 wrote: »

So if i crash it then they will take £12000 off my card? Assuming that a new 14 plate car cost that much nowadays.

No, they will take the insurance excess. Which will be shown on the forms you signed when you got the car. They will also be able to take rental costs if you keep the car longer than agreed.

When I had a car from enterprise in similar circumstances, the excess on their insurance was pretty high - I think about £700.

As I recall, they pointed the specific part of the forms saying that out to me and they needed to be separately signed / initialed - they also offered the opportunity to buy (very expensive) extra cover to cover the excess. Did you read the forms before you signed them?

bery_451

Will i lose my no claims bonus if i have a own fault accident in the courtesy car?

bery_451

OnanTheBarbarian wrote: »

What you need to do is the following:

1- Call Churchill and report the claim to them, give them all the details you have and tell them you are TPFT cover and want to claim from them and that if they don't sort you out, you will be going with an accident management/ credit hire company. This should hopefully encourage them to take you under their wing.

2- Report the incident to your insurers "for information purposes only". By doing this, you comply with the requirement to notify your insurers of an "incident". As you have TPFT cover, you can't claim off your own policy.

3- If Churchill look after you, then there is nothing else you need to notify your insurers of. If Churchill are not playing ball, your own insurers may be able to refer you onto an accident management or hire company even if you don't have legal cover as they will still get a kickback from the hire co for doing so.

Follow those steps and it should all be good. If there are problems then come back and we can advise further. At the moment there is lots of talk of "this could happen and that could happen etc", which is just confusing the original poster.

Regarding point number 2 in your post about reporting the incident to my own insurers. Am I obliged to do that? Because I hear horror stories were policy holders had their renewal or insurance premiums gone higher because they reported the incident as 'information purposes only'.


This puts policyholders off reporting to their own insurers and how does the insurance company know that incident ever existed if the policyholder doesn't report it?

JustinR1979

You have to report accidents irrespective of fault/liability, so it will need declaring come renewal time.

bery_451

JustinR1979 wrote: »

You have to report accidents irrespective of fault/liability, so it will need declaring come renewal time.

Lets say i didnt report it to my insurers then what happens?

JustinR1979

bery_451 wrote: »

Lets say i didnt report it to my insurers then what happens?

I suppose worst case scenario is them finding out in the future, then declining/cancelling your policy, then you'll be left with limited insurers to choose from at greatly increased premiums.