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Post Office Car Insurance Claim Aegis vs Enterprise car rental ?!?

MarkT21
MarkT21 Posts: 3 Newbie
in Insurance & life assurance
Hi All, just had someone reverse into my car, his fault, he accepted liability .. called post office insurance and gave the details .. they then informed me that if I got through the underwriter (Aegis) then I would probably be liable for the excess ? which I couldn't understand .. then they said, alternatively I could go through Enterprise Car Rental who would claim all the costs back from the other guys insurance .. to me .. that sounds weird .. why would I have to pay excess if it was someone elses fault if I go through Aegis and what is this Enterprise car rental sham ? anyone have any back ground on this ?

Any help greatly appreciated, just want my car fixed
Cheers Mark

Comments

  • rs65
    rs65 Posts: 5,682 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Combo Breaker
    MarkT21 wrote: »
    .. why would I have to pay excess if it was someone elses fault if I go through Aegis

    When you took out the policy, you agreed to pay the first £xx of each claim. If someone else is at fault for the claim, you can recover it and other uninsured losses from them
  • MarkT21
    MarkT21 Posts: 3 Newbie
    right, ok, so, even if I go with my underwriter then as I have legal cover they can get the excess back for me ?
  • rs65
    rs65 Posts: 5,682 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Combo Breaker
    MarkT21 wrote: »
    right, ok, so, even if I go with my underwriter then as I have legal cover they can get the excess back for me ?

    Legal cover usually includes uninsured loss recovery. There is never a guarantee they will be successful though.
  • MarkT21
    MarkT21 Posts: 3 Newbie
    great, thank you.
  • rs65
    rs65 Posts: 5,682 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Combo Breaker
    You could also go direct to the other party's insurer and see if they have an innocent third party claim team.

    They could arrange repairs and provide a hire car without any outlay from you.
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