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Car Insurance claim question

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Essex_Jim
Essex_Jim Posts: 236 Forumite
Part of the Furniture 100 Posts Name Dropper Combo Breaker
We had someone hit the back of our car a couple of days ago. We are insured with Admiral. Third Party with LV.

All parties agreed we were not at fault. 

We completed the claim within the hour with Admiral. They contacted us the next day saying that they will get a garage to contact us to arrange repair and we would pay our excess direct to the repairing garage and we would have to recover these costs ourselves (I assume I did not select legal protection) or they could recover for an additional fee which they could not quote.

Following day LV  contacted us to say that third party had admitted full liability and they could arrange the repairs at an appropriate garage with no cost to us. Worth noting at this point our car is an MG EV. LV were going to send us to an approved Tesla repairer. 

We then contacted Admiral to make them aware of this and they advised against it as the repair may be sub standard, third party insurance would cut the cost and they could not get involved.

I personally want to go with the third Party repair as it saves the recovery of the excess. 

Looking for peoples guidance on this please.

Comments

  • facade
    facade Posts: 7,620 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    As Admiral say, if you go through them you have a contract with the repairer through Admiral, and when if it becomes apparent that the repair is substandard (like when you are about to hand it back at the end of PCP) you go back to Admiral and get it sorted. (Admiral work for you, and through them so does their Contractor)

    If you take the third party repair, once you sign it off, they kiss you goodbye, and unless you personally have a guarantee from the repairer, if there are any problems you are left crying. (The third party insurer does not work for you, neither does the repairer as you didn't pay anything)
    I want to go back to The Olden Days, when every single thing that I can think of was better.....

    (except air quality and Medical Science ;))
  • Beeblebr0x
    Beeblebr0x Posts: 306 Forumite
    100 Posts Name Dropper
    "They contacted us the next day saying that they will get a garage to contact us to arrange repair and we would pay our excess direct to the repairing garage and we would have to recover these costs ourselves (I assume I did not select legal protection) or they could recover for an additional fee which they could not quote."

    Is this true or just bull from Admiral?
  • QrizB
    QrizB Posts: 18,384 Forumite
    10,000 Posts Fourth Anniversary Photogenic Name Dropper
    "They contacted us the next day saying that they will get a garage to contact us to arrange repair and we would pay our excess direct to the repairing garage and we would have to recover these costs ourselves (I assume I did not select legal protection) or they could recover for an additional fee which they could not quote."

    Is this true or just bull from Admiral?
    Also, is it actually Admiral or is it their tame claims management company?
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  • Essex_Jim
    Essex_Jim Posts: 236 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    "They contacted us the next day saying that they will get a garage to contact us to arrange repair and we would pay our excess direct to the repairing garage and we would have to recover these costs ourselves (I assume I did not select legal protection) or they could recover for an additional fee which they could not quote."

    Is this true or just bull from Admiral?
    This is what Admiral stated to me. 

    Not sure if you are talking about the repair or the excess. In terms of the excess, if I go with Admiral, it is clear I have to recover the excess myself or pay Admiral an undefined fee to recover.
  • Essex_Jim
    Essex_Jim Posts: 236 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    Thanks @facade for your reply. Going through Admiral clearly gives a Guarantee on the repair. I suspect if I do run into a problem with the repair I  doubt they will be easy to tie down to honouring follow up actions based on there dealing yesterday. See the thread about Auxillis. At best, they weren't bothered with my queries.

    The next question would be how easy it would be to recovery my excess (Which is a reasonable amount!)
  • Beeblebr0x
    Beeblebr0x Posts: 306 Forumite
    100 Posts Name Dropper
    Essex_Jim said:
    "They contacted us the next day saying that they will get a garage to contact us to arrange repair and we would pay our excess direct to the repairing garage and we would have to recover these costs ourselves (I assume I did not select legal protection) or they could recover for an additional fee which they could not quote."

    Is this true or just bull from Admiral?
    This is what Admiral stated to me. 

    Not sure if you are talking about the repair or the excess. In terms of the excess, if I go with Admiral, it is clear I have to recover the excess myself or pay Admiral an undefined fee to recover.
    I never opt for legal protection, so having to recover the excess myself would come as a surprise.
  • MyRealNameToo
    MyRealNameToo Posts: 433 Forumite
    100 Posts Name Dropper
    QrizB said:
    "They contacted us the next day saying that they will get a garage to contact us to arrange repair and we would pay our excess direct to the repairing garage and we would have to recover these costs ourselves (I assume I did not select legal protection) or they could recover for an additional fee which they could not quote."

    Is this true or just bull from Admiral?
    Also, is it actually Admiral or is it their tame claims management company?
    You dont pay an excess with a claims management company and credit repairs so its unlikely to be Auxillis 

    Essex_Jim said:
    The next question would be how easy it would be to recovery my excess (Which is a reasonable amount!)
    Assuming you have the correct details from LV= then it should be very simple, just a case of a short letter and a copy of the invoice showing you paid the excess. Dont send the original invoice in case it goes AWOL. 


    The one point of note in claiming directly from a third party insurer is that as you are not their customer you have no right to go to the Financial Ombudsman if things go wrong, your only redress would be via the courts. 
  • Essex_Jim
    Essex_Jim Posts: 236 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    Essex_Jim said:
    "They contacted us the next day saying that they will get a garage to contact us to arrange repair and we would pay our excess direct to the repairing garage and we would have to recover these costs ourselves (I assume I did not select legal protection) or they could recover for an additional fee which they could not quote."

    Is this true or just bull from Admiral?
    This is what Admiral stated to me. 

    Not sure if you are talking about the repair or the excess. In terms of the excess, if I go with Admiral, it is clear I have to recover the excess myself or pay Admiral an undefined fee to recover.
    I never opt for legal protection, so having to recover the excess myself would come as a surprise.
    It did to me too! Frustrating that the cost can be recovered for a fee, that they cannot quote me 
  • Essex_Jim
    Essex_Jim Posts: 236 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    QrizB said:
    "They contacted us the next day saying that they will get a garage to contact us to arrange repair and we would pay our excess direct to the repairing garage and we would have to recover these costs ourselves (I assume I did not select legal protection) or they could recover for an additional fee which they could not quote."

    Is this true or just bull from Admiral?
    Also, is it actually Admiral or is it their tame claims management company?
    I assumed we were talking to Admiral/. When we were on the chat the day after trying to clarify things, they said they could hear the recorded call where replacement car was discussed. May well be the claims company
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