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    • Bblyt
    • By Bblyt 6th Nov 18, 7:22 PM
    • 7Posts
    • 0Thanks
    Lease company/insurance treating me unfairly after my car was destroyed.
    • #1
    • 6th Nov 18, 7:22 PM
    Lease company/insurance treating me unfairly after my car was destroyed. 6th Nov 18 at 7:22 PM
    Hi guys,

    New to the forums and looking for advice! It’s a little bit of a long story so my apologies for the essay....

    Last New Year’s Eve my 6 week old lease car along with 1400 others was destroyed in a huge inferno at the Liverpool Echo arenas car park. The whole event was incredibly distressing - we thought it was a terrorist attack at first! Thankfully no one was hurt.

    My car is leased through an NHS scheme and comes with fully comprehensive insurance included in the package.

    Lots of people who were there that night formed a Facebook group and it seemed insurers were putting this down as a non fault claim and waivering all excess fees due to it being a ‘catastrophic event’ and sorted out quite quickly.

    In my case it has been slightly different. I continued paying the fees for another 4 months for a car which no longer existed in return for using a hire car - I had no idea that with most insurance companies that if your car is destroyed or written off you have no right to a courtesy car..... I was happy to continue paying this until a new car was sorted out for me.

    4 months later I got a replacement car and was made to sign back to the beginning of a new 3 year contract. With no further correspondence I thought the matter was put to bed.

    A couple of weeks ago the lease company has written me a demanding letter and invoice requesting the money for the insurance excess.

    I replied explaining that I though the matter had been put to bed and that were they not following suit with at least 25 other insurance companies who I know have waivered these fee’s?

    I have flatly been told no and that if I don’t pay they will approach my employers for the money. I have requested someone in managment get in touch with me to explain the disparity in my case but to no avail.

    Can anyone help? It’s a few hundred quid (which is still a lot of money) but it’s the principle of it �� I’m at my wits end. This hugely stressful situation is still going on 11 months later
    Last edited by Bblyt; 06-11-2018 at 7:25 PM.
Page 2
    • Dangermac
    • By Dangermac 10th Nov 18, 12:07 PM
    • 475 Posts
    • 258 Thanks
    Iíll pay it if I have to. Iím just trying to see if I can get it waivered like 100ís of others did - Iím sure most people would at least try if they knew there was a possibility.

    We donít get given the insurance details with the lease cars (not even the name of the insurance company we are with)

    Hard lesson learned!
    Originally posted by Bblyt
    Not sure I (fully) believe this.

    Do you mean to say that you do not know who is covered to drive, whether you are covered for Accidental Damage, Windscreen?

    If this is truly the case, this is pretty shocking, as it's really important that you know what the policy cover is.

    • sheramber
    • By sheramber 11th Nov 18, 9:26 PM
    • 5,969 Posts
    • 4,506 Thanks
    My car was hit in a car park by someone with a NHS car. She was able to tell me the insurance company was Zurich Insurance.
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