RAC Car Insurance & Guaranteed Replacement Car

dunkwellington

Hi,

I have my car insured with the RAC on a Comprehensive Plus policy, and paid extra for a Guaranteed Replacement Car. I have had an accident this week, for which I was at fault, and the RAC and my underwriters (Zenith at point of purchase, now Markerstudy) are both saying that as it is not a non fault claim I am not entitled to any vehicle. I have read the policy thoroughly and can not see any reference to this being the case. 

Anybody else had similar experiences or can confirm whether this is correct ?

Thanks

Car_54

It is a fault claim, not a non-fault claim.

dunkwellington

Car_54 said:

It is a fault claim, not a non-fault claim.

Hi Car_54 - thanks for the reply. Yes that's right. The question I'm asking is does that mean the RAC policy doesn't need to provide a courtesy / replacement car ? From looking online, most articles I have read says it depends on your policy, hence why I said I can't see any wording in my policy that states they won't for a fault claim ?

SaverRate

Can you post the specific terms and conditions covering the guaranteed hire car or a link to them? (It may be separate to your general policy terms and conditions). 

Sandtree

You need them to explain why no car is available particularly under this section of the policy, which has a different underwriter to the main policy? I'd be asking RAC (aka Budget Insurance) 

The last version of the wording I saw did have a lot of get out clauses but fault/non-fault wasnt one of them... namely if the garage is able to give you a courtesy car or non-fault and the TPI are offering a vehicle etc then the policy doesnt respond.

dunkwellington

Thanks - here is a link to the wording

https://www.dropbox.com/s/rlcycdnkskwp3i5/GuaranteedReplcementCar.pdf?dl=0

KeithP

dunkwellington said:

Thanks - here is a link to the wording

https://www.icloud.com/iclouddrive/02fcKmL2P2-TSQoLe4aI6tXlA#GuaranteedReplcementCar

You are asking people to sign in to iCloud to read that.

Perhaps host it publicly on Dropbox or even post a link to the insurer's webpage.

dunkwellington

OK thanks

https://www.dropbox.com/s/rlcycdnkskwp3i5/GuaranteedReplcementCar.pdf?dl=0

Sandtree

KeithP said:

dunkwellington said:

Thanks - here is a link to the wording

https://www.icloud.com/iclouddrive/02fcKmL2P2-TSQoLe4aI6tXlA#GuaranteedReplcementCar

You are asking people to sign in to iCloud to read that.

Perhaps host it publicly on Dropbox or even post a link to the insurer's webpage.

No, you just click the download button and you can get it without signing in or signing up... it does reveal the OP's name however which they may not want.

dunkwellington

Sandtree said:

KeithP said:

dunkwellington said:

Thanks - here is a link to the wording

https://www.icloud.com/iclouddrive/02fcKmL2P2-TSQoLe4aI6tXlA#GuaranteedReplcementCar

You are asking people to sign in to iCloud to read that.

Perhaps host it publicly on Dropbox or even post a link to the insurer's webpage.

No, you just click the download button and you can get it without signing in or signing up... it does reveal the OP's name however which they may not want.

Have put it on Dropbox now - thanks 

Ectophile

I can't see anything in that wording that allows them to get out of providing you a vehicle.