Courtesy car after accident

littlemoney

My insurance company is providing a courtesy car after an accident. As I hvae never needed this service before is there anything I need to be aware of. As the insurance company is providing the car via Auxillis Ltd. I assume insurance company will pay directly for this and I won't have to provide any financial details to Auxillis.

How do I ensure that when the courtesay car is collected at the end, no one tries to say there is damage to the courtesy which I have to pay for. Or doesn't this apply in these circumstances. I have heard horror stories about hire car companies making claims for vehicle damages when a car is returned. Not a situation I want to get into.

Any advice, tips or suggestions appreciated please. Thank you

DullGreyGuy

So you've been involved in a non-fault accident then?

Auxillis is an accident management company that Admiral group use. They provide you a hire car on credit and then attempt to recover the cost of hire from the third party insurer who's being held to blame for the accident.

If you search "credit hire" you will find many horror stories but 99% of cases go through without any major problems but you do occasionally get cases of someone running up £30k of hire bill in relation to a £1,000 old banger that was written off. Always read the terms before taking any vehicle etc but almost all credit hire agreements state that as long as you support them in their attempts to recover their outlay then you will never be liable for any shortfall in recovery as long as you've not committed fraud (the bar for which is fairly high, its not just the other side have a different version of events)

littlemoney

DullGreyGuy said:

So you've been involved in a non-fault accident then?

Auxillis is an accident management company that Admiral group use. They provide you a hire car on credit and then attempt to recover the cost of hire from the third party insurer who's being held to blame for the accident.

If you search "credit hire" you will find many horror stories but 99% of cases go through without any major problems but you do occasionally get cases of someone running up £30k of hire bill in relation to a £1,000 old banger that was written off. Always read the terms before taking any vehicle etc but almost all credit hire agreements state that as long as you support them in their attempts to recover their outlay then you will never be liable for any shortfall in recovery as long as you've not committed fraud (the bar for which is fairly high, its not just the other side have a different version of events)

The accident was my fault and only my car was damaged. My insurance company tell me a courtsey car can be provided under my policy.

TELLIT01

Many insurers have a limit on the time they will provide a free courtesy car.  Check for any limits with your insurer or you could end up with a big bill if repairs are delayed.

DullGreyGuy

littlemoney said:

DullGreyGuy said:

So you've been involved in a non-fault accident then?

Auxillis is an accident management company that Admiral group use. They provide you a hire car on credit and then attempt to recover the cost of hire from the third party insurer who's being held to blame for the accident.

If you search "credit hire" you will find many horror stories but 99% of cases go through without any major problems but you do occasionally get cases of someone running up £30k of hire bill in relation to a £1,000 old banger that was written off. Always read the terms before taking any vehicle etc but almost all credit hire agreements state that as long as you support them in their attempts to recover their outlay then you will never be liable for any shortfall in recovery as long as you've not committed fraud (the bar for which is fairly high, its not just the other side have a different version of events)

The accident was my fault and only my car was damaged. My insurance company tell me a courtsey car can be provided under my policy.

A traditional courtesy car is provided by the garage doing the repairs and is effectively paid for by the labour rate for the repairs which is why one isnt given if the car is stolen or a total loss.

Some insurers do offer enhances options which are hire cars and therefore are available in all circumstances however their duration is normally capped which can be a problem if parts are on back order etc. Some also offer higher tiers which give you a better/bigger car than the typical garage courtesy car which can be important to some.

I wasn't aware that Admiral were using their AMC for providing hire based courtesy cars but there is a sense to it rather than paying to Enterprise etc if you've already got the cars. I'd just double check with them before taking it that it is a courtesy car after a fault accident and not a mistake by the agent who's referred you to credit hire for a non-fault accident.

littlemoney

Its not Admiral. It's Direct Line. Sounds like I and need to ask more questions before proceeding perhaps wait and see how long the repair will take. If it's time limited then perhaps I can go without a car for a while and then get a hire car via my policy if it looks like I can't manage without.

[Deleted User]

Keep in mind if you use their inflated price hire car it will put up the cost of your claim, and future premiums.

DullGreyGuy

[Deleted User] said:

Keep in mind if you use their inflated price hire car it will put up the cost of your claim, and future premiums.

Its a fault accident @[Deleted User]... no inflated price hire, they'll have won a competitive tender on lowest price hire -v- the big boys like Enterprise (who DL used to use for cars provided under their enhanced courtesy car offering)