AXA car insurance claim..refusing to help

dblue75

Battering my head off a brick wall, any advice greatly appreciated.

I damaged my car off a gate on 10/02/16, rear wheel arch damage/scraped etc..

11/02/16 I called AXA for notes only explained all of above. I was advised £450 excess plus lose my NCB. I decided to get the repair done myself to nullify losing NCB etc. Axa told me this was fine.

Took it to a local garage repair was a bad repair including shambles of a respray !!! they attempted it again and made it worse. The garage agreed and apologised and gave me my car back as I was unwilling for a 3rd attempt ( Dent repair was also poor )

26/02/16 Called AXA to make a claim and was told to take it to their approved workshop etc...I did so and they submitted invoice for work that needs done on it.

Back and forward a few weeks AXA demanding invoice from initial garage ( why I do not know ? ) anyway I didn't have one as we both (garage owner and I walked away from it.

I was told on Friday 18/03/16 full repairs authorised and car to be collected today 23/03/16 for repairs.

Nothing, so I called AXA to be told investigations are on going as the senior engineer state I am not covered for repairs due to me not taking my car to one of their authorised repair centres originally ?? I was never at ANY point informed of this. It is now going to a senior manager to make a decision. Which will likely back up the senior engineer.

I am fully comp, have been honest from the start and I was also told the 1st record they have of me calling was 26/02/16 after my car was damaged and bad repair.

I have my call log on my phone to state over 14 minutes on the phone 11/02/2016 and they will also bring the call logs up which will match it to show I was indeed speaking to someone and not on a Q.

I am at my wits end with all this carry on...Can anyone advise me

molerat

I very much doubt the insurers will do anything now. You are not asking them to repair the accident damage but to put right faulty workmanship done by someone else who you chose to save money. I think you are screwed and will have to pay yourself. Have you got your money back from the first repairer ?

Retrogamer

The insurance would have covered you from the beginning as the damage was caused by an accident.

They won't cover it now because the problem is poor repairs done by another company. That's not their responsibility to fix.

You should go back to the garage that done the repairs (assuming you paid them) and get them to put the issue right.

dacouch

Do Axa realise it's the accident damage you want repaired?

The reason I ask is if you use an Insurer's approved garage or one they direct you to, the Insurer is liable for any problems.

It may be that someone at Axa thinks you're asking them to correct a faulty job one of their contractors carried out

molerat

dacouch wrote: »

Do Axa realise it's the accident damage you want repaired?

The reason I ask is if you use an Insurer's approved garage or one they direct you to, the Insurer is liable for any problems.

It may be that someone at Axa thinks you're asking them to correct a faulty job one of their contractors carried out

As far as I can see OP is asking AXA to correct a (twice) faulty repair that he organised himself with a non authorised repairer.

dblue75

I am asking them to right a repair that was a bad repair. It is still the same repair requiring done. Wheel arch correctly panel beaten and respray as the original garage had done but to poor standard.

rs65

dblue75 wrote: »

I am asking them to right a repair that was a bad repair.

That might be your problem. Your cover is for accidental damage not for fixing bad repairs. They now can't see accident damage just bad repairs. Do you have any photos of the accident damage?

dblue75

Yeah, I took pics of the accidental damage when it happened. They haven't asked to see that though. Its also pretty clear that the wheel arch is now flat on the damaged side, compared to protruding all the way round on the driver side.

rs65

dblue75 wrote: »

Yeah, I took pics of the accidental damage when it happened. They haven't asked to see that though. Its also pretty clear that the wheel arch is now flat on the damaged side, compared to protruding all the way round on the driver side.

Send the photos to them. The flat wheel arch just proves a bad repair not accident damage.

Quentin

dblue75 wrote: »

I am asking them to right a repair that was a bad repair. It is still the same repair requiring done. Wheel arch correctly panel beaten and respray as the original garage had done but to poor standard.

Your beef is with the original bad repairer.


Your insurance doesn't provide any cover for this.

maddogb

as stated this is not what you pay insurance for but....


If the first garage agreed a price for the repair in law you can take the car to another garage to have it properly repaired and sue the first garage for the difference.
Only issue I can see is that you appear to have "agreed" to just walk away and a court might take that ends the contract between you and him.
That plus the fact most businesses don't just "cave" meaning it's likely to result in court action.
Is the bodged repair going to make that much difference to the value of the car?