Motor Insurance no fault claim

robathome1

My daughter's car was damaged by an ambulance whilst parked. The insurer gave her a courtesy car and then wrote the car off. They now claim the ambulance firm refused liability and as she had driven too many miles and her won't honour the very very expensive insurance premium. Plus they want to increase the premuim by £2700 to cover her new car.

What can we do, this is legal ? It's not fair.

DullGreyGuy

On what grounds has the ambulance denied liability? Or is it they have accepted liability, repaid her insurers but the "courtesy car" is actually a "credit hire car" and the third party insurers are disputing the massive bill rather than liability?

Has she exceed the stated mileage? Did she not inform them when it was obvious that she was going to?

400ixl

Your post isn't clear. Do we assume:

She claimed through her own insurer and they provided a hire car (was that through a 3rd party management company and credit hire?)
The 3rd Party insurer has claimed their insured is not liable
She has in her car exceeded the annual miles in her car that she declared she would do when taking out the policy rather than the allowed miles in the hire car
Because of this they will not cover her with an at fault claim

How far over the annual mileage was she?

MeteredOut

Perhaps harsh, but maybe the thread title/question should be "Exceeded specified car policy mileage, any way around it?".

What was the mileages limit on the policy and how many miles had she driven?

If its a minor difference, I'd be appealing for leniency, but if significant, its is perfectly reasonable and people doing such things is why premiums are increasing for everyone else.

Increase in new policy cost is to be expected if she didn't inform the insurance company of changes she should have told them about.

[Deleted User]

Looking at your previous thread, your daughter appears to be high risk.
Why are you surprised at the premium? On first glance, I'd say the cost seems quite reasonable.

Young drivers Insurance — MoneySavingExpert Forum

robathome1

[Deleted User] said:

Looking at your previous thread, your daughter appears to be high risk.
Why are you surprised at the premium? On first glance, I'd say the cost seems quite reasonable.

Young drivers Insurance — MoneySavingExpert Forum

It's £2700 on top of £4000, that's robbery

TadleyBaggie

Two written off cars in 2 years plus a DWDCA, surprised they will insure her at all.

Still mystified how if her car was parked up, how was she deemed liable?

robathome1

DullGreyGuy said:

On what grounds has the ambulance denied liability? Or is it they have accepted liability, repaid her insurers but the "courtesy car" is actually a "credit hire car" and the third party insurers are disputing the massive bill rather than liability?

Has she exceed the stated mileage? Did she not inform them when it was obvious that she was going to?

The have denied any responsibility, the car was parked and the ambulance reversed into it, no video footage , but witnesses on was in the car the other in the petrol station. 

MeteredOut

TadleyBaggie said:

Two written off cars in 2 years plus a DWDCA, surprised they will insure her at all.

Still mystified how if her car was parked up, how was she deemed liable?

It sounds like the ambulance's insurance company are stating the OP's daughter did not have valid insurance at the time of the accident, so are not liable for any claim.

robathome1

MeteredOut said:

TadleyBaggie said:

Two written off cars in 2 years plus a DWDCA, surprised they will insure her at all.

Still mystified how if her car was parked up, how was she deemed liable?

It sounds like the ambulance insurance company are stating the OP's daughter did not have valid insurance at the time of the accident, so are not liable for any claim.

She did crash one car, this was one was unattended in a parking bay at a petrol station, the aren't claiming she is liable but made very little effort to force the other insurer to pay (as far as I can tell)
 

MeteredOut

robathome1 said:

DullGreyGuy said:

On what grounds has the ambulance denied liability? Or is it they have accepted liability, repaid her insurers but the "courtesy car" is actually a "credit hire car" and the third party insurers are disputing the massive bill rather than liability?

Has she exceed the stated mileage? Did she not inform them when it was obvious that she was going to?

The have denied any responsibility, the car was parked and the ambulance reversed into it, no video footage , but witnesses on was in the car the other in the petrol station. 

Sorry, are they denying that the ambulance did hit the car, or are the accepting that it did hit it, but because your daughter had exceed the miles limitation on the policy without informing her insurance, that they are not liable.

By what margin was the excess mileage?