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Car Insurance claim question
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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.
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.
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Comments
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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)
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"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?0 -
Beeblebr0x 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?N. Hampshire, he/him. Octopus Intelligent Go elec & Tracker gas / Vodafone BB / iD mobile. Ripple Kirk Hill member.
2.72kWp PV facing SSW installed Jan 2012. 11 x 247w panels, 3.6kw inverter. 34 MWh generated, long-term average 2.6 Os.Not exactly back from my break, but dipping in and out of the forum.Ofgem cap table, Ofgem cap explainer. Economy 7 cap explainer. Gas vs E7 vs peak elec heating costs, Best kettle!1 -
Beeblebr0x 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?
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.1 -
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!)0 -
Essex_Jim said:Beeblebr0x 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?
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.1 -
QrizB said:Beeblebr0x 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?Essex_Jim said:The next question would be how easy it would be to recovery my excess (Which is a reasonable amount!)
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.1 -
Beeblebr0x said:Essex_Jim said:Beeblebr0x 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?
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.1 -
QrizB said:Beeblebr0x 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?0
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