Accident management companies like Auxillis - BEWARE!

ontheroad1970

When I was hit by an Admiral customer, they put me onto Enterprise, not Auxilis.

Sandtree

Admiral_Barbarossa said:

Sandtree said:

Admiral_Barbarossa said:

Ectophile said:

Admiral_Barbarossa said:

Question. Are you fully Comp?
If no, I am afraid you will have to contest this!

I'm not entirely sure what the "this" is that should be contested.

Fully Comp means if I prang my wheels, I ring my insurer and they deal with it. Third party means you are at the whim of your good self, though they can reimburse the other party!

If that's "fully comp" then what is Comprehensive but not "fully comp" @Admiral_Barbarossa ?

You ring your insurers, you have to pay your excess and have an open fault claim on your insurance. You get a Group A car from the garage if your car is repairable and if the garage happens to have a free one. If the claim is settled at a later date as non-fault then you have to deal with reversing out the impact on your premiums and attempt to recover your excess from the third party insurers.

Admiral therefore give you the option of route 2, go to their pet accident management company, get the repairs done without having to pay your excess. Get a more appropriate hire car irrespective of if your car is repairable or not. Have no significant impact on your renewal as its a notification only on your record not an open/fault claim. 

There are various pro's and con's of both models but there are some very legitimate reasons why when someone with a MPV for 7 people needs to go down the credit hire route rather than trying to get everyone into a Corsa

I pay the excess if it is my fault! At the time of my last prang, the insurer dealt with it. As it was not my fault, I pain nothing! Previous time when I took my car for a swim, I paid the excess! When a car of Germanic extraction happened to hit the car two behind on the motorway, we found he had no insurance, still did not have to pay!

But thanks for the run down of how admiral operate, they are off any considered future quote!

Re read your policy book... you pay your excess for non-fault claims too, at your insurers discretion they can choose to waive it but its their choice alone and not a right. 

Admiral are not the only ones, and technically its just a suggestion from them, if you want to pay your excess and have an open claim on your record until its resolved you are entitled to do so.

ontheroad1970 said:

When I was hit by an Admiral customer, they put me onto Enterprise, not Auxilis.

When you were hit by their customer they would be paying the bill. Enterprise corporate rates for a group B car in my day was £15 and Credit hire £39/day... which would you put someone in if you were paying the bill?

daveyjp

Sandtree said:

daveyjp said:

With minor damage such as that, if the car can still be driven safely my advice is not to let anyone touch your car until the issue of liability has been settled.

The problem is that liability will not be established until there is an actual financial loss to recover... insurers will send basic "we are holding you at fault" letters from the initial registration of the car but aren't going to spend hundreds in claims cost negotiating liability if there is no certainty that the insured is actually going to claim.

So as they 'will not establish liability' why did they in my case when I told them establish liability first and then I'll get the car fixed.

As soon as I didn't want an expensive hire car the management company had no more interaction with us.  All done through the insurance company.

Sandtree

daveyjp said:

Sandtree said:

daveyjp said:

With minor damage such as that, if the car can still be driven safely my advice is not to let anyone touch your car until the issue of liability has been settled.

The problem is that liability will not be established until there is an actual financial loss to recover... insurers will send basic "we are holding you at fault" letters from the initial registration of the car but aren't going to spend hundreds in claims cost negotiating liability if there is no certainty that the insured is actually going to claim.

So as they 'will not establish liability' why did they in my case when I told them establish liability first and then I'll get the car fixed.

As soon as I didn't want an expensive hire car the management company had no more interaction with us.  All done through the insurance company.

Was it a simple case or a protracted argument? Was the third party claiming damages against you?

There is nothing that says they can't just typically they wont do anything material to when the insured isn't claiming (yet) and there is no signs of a third party claim. Typically they will send one letter of claim and then diary on for the expected repair invoices to come in. If the repair invoices haven't come in by that point they diary on another month or so etc. Sometimes that one letter gets one letter back saying liability is admitted.

Clearly if someone is asking them to pay £10k for their damages then they will argue liability at that point if they dont feel their customer is fully liable. You often get a Mexican standoff though because no one wants to claim until liability is established and insurers dont want to spend money establishing liability if no one is claiming.

sheslookinhot

This thread has evolved into petty squabbles.  OP, costs are immaterial. It’s all about liability. If your car was stationary and it was hit by a third party your chances of a successful outcome are positive. Support the Claims management company.

Ectophile

ontheroad1970 said:

When I was hit by an Admiral customer, they put me onto Enterprise, not Auxilis.

That sounds very sensible of them.  Get a car from a normal car hire company, that charges competitive daily rates.  Not one from a claims company that charges as much as they think they can get away with.

Admiral_Barbarossa

Sandtree said:

Admiral_Barbarossa said:

Sandtree said:

Admiral_Barbarossa said:

Ectophile said:

Admiral_Barbarossa said:

Question. Are you fully Comp?
If no, I am afraid you will have to contest this!

I'm not entirely sure what the "this" is that should be contested.

Fully Comp means if I prang my wheels, I ring my insurer and they deal with it. Third party means you are at the whim of your good self, though they can reimburse the other party!

If that's "fully comp" then what is Comprehensive but not "fully comp" @Admiral_Barbarossa ?

You ring your insurers, you have to pay your excess and have an open fault claim on your insurance. You get a Group A car from the garage if your car is repairable and if the garage happens to have a free one. If the claim is settled at a later date as non-fault then you have to deal with reversing out the impact on your premiums and attempt to recover your excess from the third party insurers.

Admiral therefore give you the option of route 2, go to their pet accident management company, get the repairs done without having to pay your excess. Get a more appropriate hire car irrespective of if your car is repairable or not. Have no significant impact on your renewal as its a notification only on your record not an open/fault claim. 

There are various pro's and con's of both models but there are some very legitimate reasons why when someone with a MPV for 7 people needs to go down the credit hire route rather than trying to get everyone into a Corsa

I pay the excess if it is my fault! At the time of my last prang, the insurer dealt with it. As it was not my fault, I pain nothing! Previous time when I took my car for a swim, I paid the excess! When a car of Germanic extraction happened to hit the car two behind on the motorway, we found he had no insurance, still did not have to pay!

But thanks for the run down of how admiral operate, they are off any considered future quote!

Re read your policy book... you pay your excess for non-fault claims too, at your insurers discretion they can choose to waive it but its their choice alone and not a right. 

Admiral are not the only ones, and technically its just a suggestion from them, if you want to pay your excess and have an open claim on your record until its resolved you are entitled to do so.

ontheroad1970 said:

When I was hit by an Admiral customer, they put me onto Enterprise, not Auxilis.

When you were hit by their customer they would be paying the bill. Enterprise corporate rates for a group B car in my day was £15 and Credit hire £39/day... which would you put someone in if you were paying the bill?

Never had a non fault claim!

Jenni_D

Admiral_Barbarossa said:

Sandtree said:

Admiral_Barbarossa said:

Sandtree said:

Admiral_Barbarossa said:

Ectophile said:

Admiral_Barbarossa said:

Question. Are you fully Comp?
If no, I am afraid you will have to contest this!

I'm not entirely sure what the "this" is that should be contested.

Fully Comp means if I prang my wheels, I ring my insurer and they deal with it. Third party means you are at the whim of your good self, though they can reimburse the other party!

If that's "fully comp" then what is Comprehensive but not "fully comp" @Admiral_Barbarossa ?

You ring your insurers, you have to pay your excess and have an open fault claim on your insurance. You get a Group A car from the garage if your car is repairable and if the garage happens to have a free one. If the claim is settled at a later date as non-fault then you have to deal with reversing out the impact on your premiums and attempt to recover your excess from the third party insurers.

Admiral therefore give you the option of route 2, go to their pet accident management company, get the repairs done without having to pay your excess. Get a more appropriate hire car irrespective of if your car is repairable or not. Have no significant impact on your renewal as its a notification only on your record not an open/fault claim. 

There are various pro's and con's of both models but there are some very legitimate reasons why when someone with a MPV for 7 people needs to go down the credit hire route rather than trying to get everyone into a Corsa

I pay the excess if it is my fault! At the time of my last prang, the insurer dealt with it. As it was not my fault, I pain nothing! Previous time when I took my car for a swim, I paid the excess! When a car of Germanic extraction happened to hit the car two behind on the motorway, we found he had no insurance, still did not have to pay!

But thanks for the run down of how admiral operate, they are off any considered future quote!

Re read your policy book... you pay your excess for non-fault claims too, at your insurers discretion they can choose to waive it but its their choice alone and not a right. 

Admiral are not the only ones, and technically its just a suggestion from them, if you want to pay your excess and have an open claim on your record until its resolved you are entitled to do so.

ontheroad1970 said:

When I was hit by an Admiral customer, they put me onto Enterprise, not Auxilis.

When you were hit by their customer they would be paying the bill. Enterprise corporate rates for a group B car in my day was £15 and Credit hire £39/day... which would you put someone in if you were paying the bill?

Never had a non fault claim!

Can you let us know your normal driving routes please, so we know where to avoid?  

Sandtree

Ectophile said:

ontheroad1970 said:

When I was hit by an Admiral customer, they put me onto Enterprise, not Auxilis.

That sounds very sensible of them.  Get a car from a normal car hire company, that charges competitive daily rates.  Not one from a claims company that charges as much as they think they can get away with.

Enterprise also have a claims management arm that charges the ABI GTA rates that are the same as Auxilis. The difference here is that there is a guarantee the bill is paid and so the hire company be it ERC or Auxilis will charge the commercial rates agreed with the instructing insurer... when there is risk for the company that they may not be paid at all then the ABI GTA rates apply or something similar if the CHC company/insurer isn't party to the GTA.

Admiral_Barbarossa said:
Never had a non fault claim!

But you said:

Admiral_Barbarossa said:
I pay the excess if it is my fault! At the time of my last prang, the insurer dealt with it. As it was not my fault, I pain nothing! 

Which of the two statements should we believe?

Admiral_Barbarossa

Sandtree said:

Ectophile said:

ontheroad1970 said:

When I was hit by an Admiral customer, they put me onto Enterprise, not Auxilis.

That sounds very sensible of them.  Get a car from a normal car hire company, that charges competitive daily rates.  Not one from a claims company that charges as much as they think they can get away with.

Enterprise also have a claims management arm that charges the ABI GTA rates that are the same as Auxilis. The difference here is that there is a guarantee the bill is paid and so the hire company be it ERC or Auxilis will charge the commercial rates agreed with the instructing insurer... when there is risk for the company that they may not be paid at all then the ABI GTA rates apply or something similar if the CHC company/insurer isn't party to the GTA.

Admiral_Barbarossa said:
Never had a non fault claim!

But you said:

Admiral_Barbarossa said:
I pay the excess if it is my fault! At the time of my last prang, the insurer dealt with it. As it was not my fault, I pain nothing! 

Which of the two statements should we believe?

No Problem. When I took a car for a swim, my fault, I paid the excess! The other statement remains true!Does that answer your question?

Jenni_D said:

Admiral_Barbarossa said:

Sandtree said:

Admiral_Barbarossa said:

Sandtree said:

Admiral_Barbarossa said:

Ectophile said:

Admiral_Barbarossa said:

Question. Are you fully Comp?
If no, I am afraid you will have to contest this!

I'm not entirely sure what the "this" is that should be contested.

Fully Comp means if I prang my wheels, I ring my insurer and they deal with it. Third party means you are at the whim of your good self, though they can reimburse the other party!

If that's "fully comp" then what is Comprehensive but not "fully comp" @Admiral_Barbarossa ?

You ring your insurers, you have to pay your excess and have an open fault claim on your insurance. You get a Group A car from the garage if your car is repairable and if the garage happens to have a free one. If the claim is settled at a later date as non-fault then you have to deal with reversing out the impact on your premiums and attempt to recover your excess from the third party insurers.

Admiral therefore give you the option of route 2, go to their pet accident management company, get the repairs done without having to pay your excess. Get a more appropriate hire car irrespective of if your car is repairable or not. Have no significant impact on your renewal as its a notification only on your record not an open/fault claim. 

There are various pro's and con's of both models but there are some very legitimate reasons why when someone with a MPV for 7 people needs to go down the credit hire route rather than trying to get everyone into a Corsa

I pay the excess if it is my fault! At the time of my last prang, the insurer dealt with it. As it was not my fault, I pain nothing! Previous time when I took my car for a swim, I paid the excess! When a car of Germanic extraction happened to hit the car two behind on the motorway, we found he had no insurance, still did not have to pay!

But thanks for the run down of how admiral operate, they are off any considered future quote!

Re read your policy book... you pay your excess for non-fault claims too, at your insurers discretion they can choose to waive it but its their choice alone and not a right. 

Admiral are not the only ones, and technically its just a suggestion from them, if you want to pay your excess and have an open claim on your record until its resolved you are entitled to do so.

ontheroad1970 said:

When I was hit by an Admiral customer, they put me onto Enterprise, not Auxilis.

When you were hit by their customer they would be paying the bill. Enterprise corporate rates for a group B car in my day was £15 and Credit hire £39/day... which would you put someone in if you were paying the bill?

Never had a non fault claim!

Can you let us know your normal driving routes please, so we know where to avoid?  

Why, as I have said. I have never had a non fault claim!