non fault courtasy car type?

STRIDER

in the middle of the night a car crashed in to my neighbours which got pushed in to mine,
it was driveable and has gone in for repairs, the driver has finally admitted liability and i
was wondering if i should get a comparable courtesy car or am only entitled to a class A

car while mine is being repaired?
i have googled this but cant find much, an article from moneysupermarket says something about ABI standards but cant find anything on there website.



any help would be much appreciated.

Quentin

Check your policy to see if you have any courtesy car included whilst yours is in for repair and take it from there

If you don't have any cover for a replacement car on your policy then (assuming that you need one) you can hire a car and pursue the third party insurer to reimburse you for the cost along with all your other uninsured losses

DCFC79

Which insurer have you used ?

Your own ? It shoild be listed in your policy if 1 is included.

marlot

STRIDER wrote: »

...the driver has finally admitted liability and i
was wondering if i should get a comparable courtesy car or am only entitled to a class A ....

The law expects you to mitigate your losses - ie. keep them to a minimum.


If you need a bigger car for some reason then you should be able to hire one and claim it.

Aretnap

There are two separate issues at play.

(1) The terms of your own policy will (probably) entitle you to a courtesy car of some sort while yours is being repaired, regardless of who was to blame for the accident. Precisely what type of car that is depends on the terms of your policy - usually it will be a small runabout unless you have paid for an upgrade to allow you a larger car.

(2) Quite independently of that, if another driver was to blame for the accident, he (and therefore his insurer) is liable for costs you reasonably incur as a result of the accident, including the cost of a hire car equivalent to yours while yours is undriveable (assuming you can show that you need a replacement car and you're not the sort of person who has half a dozen cars of your own on your driveway). This applies regardless of what your own policy says about hire cars, and even if it gives you no right to a hire car at all (eg because you're third party only).

So if your own insurer is handling your repairs then quite possibly the correct one for your own policy. If that's not sufficient (eg you need a large estate car to carry your large family) then you could contact the third party's insurer and ask them to provide a like for like car. Assuming they've admitted liability they will usually provide one pronto - if they don't you could go to a credit hire company who will end up charging them a lot more. If you're not sure who the at fault driver's insurer is you can find out here.

STRIDER

Thanks for the reply's guys,


my policy says only a class A car.
the trouble is that all three parties involved are insured by hastings direct.
The driver has admitted liability but not fault as he is saying a phantom car was to blame.

i have argued the fact that i should get an equivalent car but they are not budging.

trailingspouse

If you really need an equivalent car, then go and hire one, pay for it, and reclaim the money from the third party.

If you don't want to do that, then we have to question whether in fact you actually need a similar car.

Even the insurers who provide a similar level of car for non-fault incidents will only do it if you have no other means of transport. I know this because a driver went into my OHs parked car just before Christmas and did £6000 worth of damage. He was with Direct Line, and they provided a 'similar' car (it was a black Jaguar XJ that got damaged, we now have a purple Mercedes convertible, so 'similar' is a moot point...), because the only way he can get to work is by car.

Your car has gone in for repairs - how are you managing for transport right now?

It's all about being reasonable and mitigating (reducing) your losses. Advice used to be 'act as though uninsured', in other words, if there was no insurance in force, what would you do? Would you have to hire a similar car to your own in order to go about your daily life? Or would you opt for something cheaper? Or would you go on the bus?

tacpot12

Do you even need a car at all? Could using taxis or buses or trains be cheaper for the journeys you need to undertake? As has been stated, you are a obligation to minimise your losses so you need to be able to justify hiring a car as being the cheapest option for the journeys you need to make.

STRIDER

my car has gone in for repair and wa told it would be about a week so just took the class A car
offered, it has now been over 3 weeks and they hadnt even started on it when i checked last friday.
i have been putting things off that i needed to do which i cant in the tiny class A car but really need to do these things now.


Thanks for the comments guys.

DCFC79

STRIDER wrote: »

my car has gone in for repair and wa told it would be about a week so just took the class A car
offered, it has now been over 3 weeks and they hadnt even started on it when i checked last friday.
i have been putting things off that i needed to do which i cant in the tiny class A car but really need to do these things now.


Thanks for the comments guys.

Know a friend who could help you out ?

k3lvc

Out of interest what's the car that was damaged and how much difference between that and a class A hire car ?

And don't forget there's nothing faster than a hire car :rotfl: