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One Protect Insurance
greencar1975
Posts: 19 Forumite
in Motoring
Has anyone had experience of this insurance company? I have made a claim on my insurance with them for damage to my car. Totally my fault but they have agreed it can be repaired by their 'accident management company' have just told me they will only pay £1750 to have it repaired. My local (and very good) garage has assessed the damage and have quoted £3500 for repairs, meaning I need to cover £1750. My policy is fully comprehensive and I see nothing in the insurance policy about a limit on repair payments. Is this legal?
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Comments
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From memory they have an unusual arrangement with their approved network of garages that they pay a fixed fee rather than what the job actually costs so naturally massively overpay if its just a minor scratch and significantly under pay if you have a Rolls with major front end damage.greencar1975 said:Has anyone had experience of this insurance company? I have made a claim on my insurance with them for damage to my car. Totally my fault but they have agreed it can be repaired by their 'accident management company' have just told me they will only pay £1750 to have it repaired. My local (and very good) garage has assessed the damage and have quoted £3500 for repairs, meaning I need to cover £1750. My policy is fully comprehensive and I see nothing in the insurance policy about a limit on repair payments. Is this legal?
It docent impact you unless you want to go to your own garage rather than theirs.
Who knows what, if any, other aspects there are to the deal between them and their garages.0 -
Ok thank you. So they will only cover the full amount if I use one of their garages, the nearest one being 75 miles away from me. I'll go with a reputable name next time!0
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Check with them but it's what my memory was of when I looked at it when another person here complained about it.greencar1975 said:Ok thank you. So they will only cover the full amount if I use one of their garages, the nearest one being 75 miles away from me. I'll go with a reputable name next time!0
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