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Help!! - Hired a lorry & Crashed It !
frankspencer
Posts: 5 Forumite
Advice please anyone?
When moving house recently, I hired a 7 ton lorry and subsequently hit a parked car with it. :eek:
When returning the lorry, the hire company have asked me for the £1000 insurance excess right away, even before I have completed an insurance claim form. For the record, the only damage to the lorry was superficial which they are not bothered about, but there was significant damage to the rear of the car I hit.
My question is, where do I stand with regards to the excess? I signed a document when hiring the lorry to say I would be liable for it, however, do I have to hand it over before completing a claim form? The owner of the lorry firm says I do because he has to pay that £1000 to his insurance company from his own pocket.
I have chased the insurance company for a claim form but it is not forthcoming. What can I do now?
When moving house recently, I hired a 7 ton lorry and subsequently hit a parked car with it. :eek:
When returning the lorry, the hire company have asked me for the £1000 insurance excess right away, even before I have completed an insurance claim form. For the record, the only damage to the lorry was superficial which they are not bothered about, but there was significant damage to the rear of the car I hit.
My question is, where do I stand with regards to the excess? I signed a document when hiring the lorry to say I would be liable for it, however, do I have to hand it over before completing a claim form? The owner of the lorry firm says I do because he has to pay that £1000 to his insurance company from his own pocket.
I have chased the insurance company for a claim form but it is not forthcoming. What can I do now?
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Comments
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I signed a document when hiring the lorry to say I would be liable for it
If you agreed to pay the £1000 when signing the contract, then you will be breaching the contract by not paying it, and if they want they could sue you for it - and expect to win.0 -
Yeah agree with Quentin - but only if the claim was for an amount greater than the excess. Query also whether the excess applies in respect of third party liability.0
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Thanks both. I don't really have a problem with paying the excess. It's just the speed at which they are asking for it without even seeing a claim form or finding out how much the car is costing to repair. As far as I know, the car has already been sent for repair without having been seen by the hire firms insurance company. Surely they would want their assessors to view the damage first?0
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Not necessarily. (The other party may be claiming off their own insurance, and it will take time to get back to the hire firm's insurance company).
Usually you have to leave a deposit (or credit card details) equal to the excess before starting the hire. In that case the excess is actually paid "in advance" of any claim being needed.
Any reason why they didn't ask you for a deposit?0 -
What did Betty say:beer:0
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