Claim back monthly PCP payment from insurance

Ukswiftx

Hi, I was involved in a crash last month and it’s been almost a month now that my car has been in the garage and I have been using a courtesy car. Can I claim back the monthly payment for my pcp from my insurance as I haven’t had access to my car for the full month

DUTR

But you've had access to a courtesy car.

Ukswiftx

Not the car I pay for tho, about 150-200 a month difference between my car and the courtesy car

Ukswiftx

Not the car I pay for tho, about 150-200 a month difference between my car and the courtesy car

ToxicWomble

But you also have 1 months less wear and tear and mileage on yours

AdrianC

I'm just going to put this here...
https://forums.moneysavingexpert.com/discussion/6009849/replacement-hire-car-fuel-costs

BTW, since you're claiming from your insurance with no mention of the other party, do we assume you were at fault for the collision?

DUTR

Ukswiftx wrote: »

Not the car I pay for tho, about 150-200 a month difference between my car and the courtesy car

The courtesy car should have been like for like depending on who is dealing with the claim.

Ukswiftx

Other party at fault

Ukswiftx

Nope, I handed them a bmw and I got s Nissan micra. Big but of a downgrade but a car is a car. But I don’t pay £300 a month to use a micra

Ukswiftx

And yess, 1 month less wear and tear but I still don’t pay £300 a month for a micra

DUTR

Ukswiftx wrote: »

Nope, I handed them a bmw and I got s Nissan micra. Big but of a downgrade but a car is a car. But I don’t pay £300 a month to use a micra

Some would disagree on the downgrade, why did you accept the courtesy if you knew it wasn't a like for like vehicle?