Replacement Car Hire (Auxillis) After Accident - How Does the Excess Work?

Jonesbo

Hi,

I had an accident (no other vehicle involved). All being sorted by my insurance.

They offer a replacement car through a company called Auxillis, but the T&Cs are a bit confusing.

How does this normally work: if I total the replacement car for instance, would I have to pay the current excess on my own insurance?

And can you mitigate this by getting car hire excess insurance, or would this not be valid on a replacement vehicle arranged via insurance (I've only ever had car hire excess on holiday rentals).

Hope that makes sense. Thanks

DullGreyGuy

You unfortunately need to read the all the relevant terms... for some insurers a hire car they provide is covered by your normal policy so the normal excess applies, for others its covered by the hire car company policy in which case their excess applies. If a hire car excess policy will respond or not will depend on their terms as you aren't the one paying for the hire

Villageboy1

I was hit by an uninsured driver who sped off from the scene, my insurance company (esure) put me through to Enterprise for a replacement car. After going through the questions they said they could not provide me a like for like car (Ford Kuga) or any other i feel this is omething you dont realise until it happ car because the person who hit not had cover and they could not claim from anyone. I got back on to my insurance who said they would contact the repair garage and they offered me an very small car, when i told them i was disabled and cant get into a small car and needed an automatic they said my policy only covers me for a small car. I feel this is something you don't realise until somethng happens even though it does state on the policy, but surely there is something that could be done ?. i wanted to make this know and has anyone else experienced this and any advice would be appreciated.

sheramber

My policy states only entitled to a small 3 door  hatchback. 

Grey_Critic

There is also the issue even these days when automatics are more popular of availability.