Leasing Charges

HollySM

I have a lease car and it is due back soon. Someone drove into the side of me and it is now going through an insurance claim which has been deemed as no fault (of mine). The damage is way beyond 'fair wear and tear' and it requires a new door and other panels to be replaced. Some of the car parts required to fix the car are not available and the repair garage has been quoted November as an estimated delivery. The leasing company is threatening a £40 per day charge for every day the car is not returned, fully repaired. I took out legal cover with Admiral Insurance and have been passed on to their legal department, Admiral Law. Admiral Law has told me that they would be unable to claim back these penalty charges as the legal cover for uninsured losses does not cover lease or hire arrangements. The leasing company has told me they are passing on the penalty charges from a Mazda dealership. But it is Mazda that doesn't have the car parts available. Unfortunately, the car cannot be repaired without the parts. The car is driveable but I am stuck with the car until the parts are available. I have a new car arriving at the end of this month so do not need a courtesy car or the lease car after then. It seems so unfair that Mazda is responsible for this and should not be charging a penalty if their parts are unavailable. I also think it's unfair to take out legal cover that is supposed to cover me for uninsured losses, but that now doesn't cover the lease penalties and the second insurance cover that I will need as I will have 2 cars at the same time. The other party involved has not admitted liability, but I am told that even if they did, it is unlikely their insurance company would accept paying for the lease costs and additional insurance policy. I would love some advice on what my best options are. 

Stateofart

The person that crashed into you insurance should soak up the penalty to be honest.  Let the insurance companies fight it out, I would.  It's their problem.