Is this how it works? I think it sounds dodgy!

payless

No wonder car insurance is expensive with layers of companies involved bumping up the cost

After my last accident ( non fault) my insurers arranged a hire car at £17per day ( was a write off so gargae would not offer courtsey car/ had not paid for option on cover ) and the cost just added to my claim ( I would have been liable if it was later decided that 3rd party was at fault). In fact after 2 weeks I sent it back ( did not like the £500 excess on brand new hire car!! ) and put my an old classic car back on the road , and charged them just £10 per day ( which 3rd part insurers happily paid)

BTW have fast were they reversing!!! for it to cause a personal injury!

elsien

Did you get your insurance through a broker, as if you did they should be able to advise - it must be a situation they've come across before.

Do you have your insurnce policy documents with all the small print - that should tell you if your insurance gives a courtesy car or not.

Otherwise, what about the Consumer Direct helpline. Don't know if they cover insurance or not, but it might be worth a try?

Sounds confusing - hope you get things sorted.

roney

Laneyboo wrote: »

On dec 17 my neighbour reversed into my drivers door and refused to admit liability when it was clearly his fault. I got all details i required from him and contacted my insurance company (ecarinsurance) immediately. They took details and i sat back and waited, i first received calls from Angel Assistance who seem to be deal with ecars legal stuff and this was initially for my personal injury claim and i've had no problems on that front so far...

Yesterday i recieved a call from Angel Assistance regarding the repair of my vehicle (the first call that anyone has mentioned my car actually getting repaired). They gave me three options:
1) go directly through my insurer and face a claim on my no claims history plus have to pay the excess
2) try and recoup the expenses from the other parties insurance, they will usually drag their feet on this supposedly
or 3) go with angel assistance, they set up repair of my vehicle and a hire car and recoup the expenses from the third party.

I opted for number 3 and since then have recieved paperwork from Helphire of which i'm very sceptical. It asks me to sign a Combined Credit Agreement which details how i will be liable for the "deferred costs" if after 52 weeks the third party's insurance has not paid out. Also says that im covered by an insurance policy if it takes longer than 52 weeks to settle that will make sure i still have nothing to pay. As for the hire car costs they seem excessive to me, my car is a Citroen C1 and the price per day for hire costs detailed on the form here is £59.63. I checked an ABI link out and found this:

GTA agreed maximum settlement rates (excluding vat) for all car hire claims on or after 01.04.06

Groups

Rate (£s)

Sample Vehicles

excl VAT

Standard


S1

27.07

Vauxhall Agila (1.0) / Citroen C1 (1.0) / Peugeot 107 (1.0) / Nissan Micra (1.0) / Toyota Yaris (1.0), Fiat Sceicento (889cc), Microcar Virgo 1.0,



If this is the maximum agreed rate above then surely the £59.63 is excessive and wont be recouped leaving me liable to pay for this!

So far they have booked my car into the bodyshop for next thursday where i am meant to pick up my hire car also but i am very dubious about signing these documents. I am fully comp insurance and have no clue if this is how things work as i've never had an accident before but i did not expect this to be how things go. No clue if the other partys insurance have accepted liability yet either and i cant get in touch with my insurance company until monday. HELP!

£59.63 is really excessive - I have been in a hired carb (Grande Punto - 1.2) since 1st Nov and Tesco are only paying £12.00/day for it )

Laneyboo

he was reversing at about 15mph from a main road into a car park (excessive distance to be travelling in reverse anyway!) hence not even seeing me!!

I think i am going to ask a lawyer friend to skim over it and see, i found out also that they separated my excess into two parts there is a compulsory excess that is in the tiny print on the policy of £750 and i picked a voluntary of £150 - grand total of £900 excess - incredible!?:mad:

As for a courtesy car they say they endevour to provide one but cannot guarantee it, but hey i struggle to even get them to use my policy afterall they "dont see what my problem is" with using Helphire!

Talk about mind boggling!!

Hey_Dude

Laneyboo wrote: »

Dude my insurer is Ecarinsurance (www.ecarinsurance.co.uk) since found out they are trading in partnership with Helphire and Angel Assistance.

Holy crap!!

Dude