Non fault accident - insurers confusing me!

Zudecke_2

Hi guys,

On Sunday I was clipped by a guy switching lanes without looking and have since lodged a non fault claim.

My insurer, Admiral, asked if I wanted to:

A) claim on the polocu
Or:
claim using one a partner of theirs (Auxillis) for which the claim IS NOT against the policy and there's no excess to pay etc as this company will take the risk (given the incidents's clear cut) in claiming against the third party's insurance. These guys will ONLY allow me to have my vehicle repaired at one of their pre approved garages and offer me a 'hire credit' courtesy car (whatever that means).


I chose option B....


However... Since then, I have since been chased by the third party's insurer (Co-Op) who are also asking me to claim through THEM, touting this route also would NOT affect my policy and I can take it to the garage of my CHOICE, and access a comparable 'direct credit' courtesy car for the duration.

Can anyone explain what's happening here and if they have any recommendations based on past experience etc?

Grateful as ever!

forgotmyname

Your option B will probably come with a brand new car delivered to you and charged to the 3rd party insurer at an extortionate rate.

If you claim directly then they save a load of money.

Quentin

Check out "auxilis" here and across the net (also check their previous trading name "albany") - all reviews on both names refer to the same company - and you may want to dismiss that option!!


That's if you can.


If you are able to get out of any arrangement you have made with them, then using the third party insurer is painless!

Keep_pedalling

Sounds like the 3rd party has admitted liability, and has already been said the Co-OP are trying to keep their costs down.

Claims management companies make their money by charging extortionate rates for your car hire, and I would not be surprised if they also did so by using the cheapest repairers they can, so in your shoes I would go with the co-op and have control over who carries out the repairs on my car. You might not get such a flashy hire car but it's the repair of you long term form of transport that matters most.

Hoof_Hearted

I agree. The charges these companies rack up are outrageous. If I had another non-fault accident, I would always go to the third-party insurer first. I think I could have hired a similar car for a third of the cost of the accident management company (although theirs was brand new). They are leeches, sucking more money out of an unfortunate situation and insurance companies should be ashamed of themselves for recommending them.

Zudecke_2

Cheers guys, I've decided, based on your input to cancel with Auxillis (the claim management guys) and instead go with the third party insurer (Co-Op).

They're letting me use the garage of my choosing and a courtesy car which is under "direct credit" (as opposed to "hire credit"), so hopefully the right decision!

Welcome any further feedback and grateful for help thus far!

dannyrst

Zudecke wrote: »

Cheers guys, I've decided, based on your input to cancel with Auxillis (the claim management guys) and instead go with the third party insurer (Co-Op).

They're letting me use the garage of my choosing and a courtesy car which is under "direct credit" (as opposed to "hire credit"), so hopefully the right decision!

Welcome any further feedback and grateful for help thus far!

Careful there is no fee to you for cancelling the instruction.

Zudecke_2

forgotmyname wrote: »

Your option B will probably come with a brand new car delivered to you and charged to the 3rd party insurer at an extortionate rate.

If you claim directly then they save a load of money.

Hmm, it's quite strange you said that because when speaking to Auxillis about the courtesy car the guy was inquiring sternly as to my reasons to "justify the need to have a comparable courtesy car". He said, usually people have valid reasons like "transporting a large family etc.

Not fussed about the courtesy car really, but I did say it would be nice to have a comparable car and he sort of dismissed it.

DoaM

He was probably wanting to upgrade you from your normal Fiesta to a Mercedes C class. Can't do that if you go comparable.

PS - what's a polocu? Is that a typo and you meant policy?

Auxillis

Hello Zudecke,

We’re sorry to hear that you have chosen not to use our services.

We provide like-for-like hire vehicles and manage vehicle repairs through our network of approved garages, who are rigorously screened and adhere to high service standards. However in certain circumstances, we can arrange for repairs to take place in a garage of your choosing.

We appreciate that you may not wish to use our services, however if you would like to discuss this further with our team, please email onlineteam@auxillis.com with your reference number and we will arrange for someone to contact you directly.

Kind Regards,

Auxillis Online Team

Quentin

Looks like an opportunity for Auxillis to abuse his position and do some forbidden promotion??


How does your promotional post "help solve" an issue as you mention in your sig?