Credit Hire Car

chrisw · 5 August 2023 at 2:20PM

manimag said:

I don't want to risk having to go to Court, having my financial affairs discussed and being cross examined by Enterprise's solicitors. If Enterprise want to claim the hire costs from me, just shy of £700, so be it and I will then pursue an uninsured loss claim from the TP's insurers via my Legal Protection extension to my motor policy which is what I would have done had it been fully explained to me.

I am surprised the insurers are arguing over £700. That would seem to be a tiny amount in the insurance world and would probably cost a lot more than that to dispute it.

ontheroad1970 · 6 August 2023 at 2:13AM

Sorry, but you are being quite illogical and perhaps a little irrational. Those on here in the know (dullgreyguy has worked in the insurance claims industry) are all saying that you don't have to worry. We have had many similar cases with people being worried and they haven't ended up going to court. It's just a matter of the legal team having their ducks in a row.

manimag · 6 August 2023 at 7:34AM

I also worked in insurance as a broker and underwriter for many years and am not being either illogical or irrational, quite the opposite in fact. The fact remains that should the TP insurers continue to dispute the amount of the car hire and fail to pay, then it will probably go to Court. Given that they have been refusing for three years and previous solicitors were unsuccessful, it is a strong possibility given that Enterprise will want to recover their outlay. Most don't go to Court, I agree, but some do and it is a risk that I do not wish to take. I reiterate that I didn't make my original comment for advice but as a warning to others to be aware of what they are signing up to when they hire a car under a Credit Hire Agreement.