Non-fault insurance claim
Discussion
I had someone bump into me the other day that caused some (apparently) minor damage to my car, although that is yet to be decided. I promptly called my insurance company Admiral with the details and they confirmed that it was indeed a non-fault accident.
They then proceeded to arrange for me to have the car repaired and referred me to Albany assistance to complete the process and arrange repair through their 'approved repairers' (which was only one!). When I asked if I could take the car to any garage I was told that I may have to pay the excess on the policy if I did.
Given the fact that it was a Non-fault incident, and the 3rd party insurance company is liable for the cost, my question is basically: Is this really the case?! And if so, is it legal?
They then proceeded to arrange for me to have the car repaired and referred me to Albany assistance to complete the process and arrange repair through their 'approved repairers' (which was only one!). When I asked if I could take the car to any garage I was told that I may have to pay the excess on the policy if I did.
Given the fact that it was a Non-fault incident, and the 3rd party insurance company is liable for the cost, my question is basically: Is this really the case?! And if so, is it legal?
Yes, it is getting commonplace for insurers to actively discourage policyholders to use repairers other than the insurer's own recommended repairer.
Mine is the same in that I would incur a £250 excess to use my own repairer.
However, as yours is a non-fault then you should be able to claim this additional excess off the third party.
Mine is the same in that I would incur a £250 excess to use my own repairer.
However, as yours is a non-fault then you should be able to claim this additional excess off the third party.
cjs racing. said:
Albany Assistance, run away, now, refuse to use them, your life will be very painful for the next few months if you use them.
They've not changed then. I had the misfortune to use this lot about 15 years ago.......absolutely fecking useless.I've just started a new Admiral policy with one of our cars. Let's hope I don't need to make any claims.
I wouldn't be keen to use an approved repairer.
They're not approved because of the quality of their work, they're approved because they charge low hourly rates and give the insurance company a kick back from the the cost of parts.
When I had a claim in my old merc, through admiral I made it very clear if it wasn't 100% it would keep going back until it was, we came to the conclusion it was best for all involved if I used my own repairer.
They're not approved because of the quality of their work, they're approved because they charge low hourly rates and give the insurance company a kick back from the the cost of parts.
When I had a claim in my old merc, through admiral I made it very clear if it wasn't 100% it would keep going back until it was, we came to the conclusion it was best for all involved if I used my own repairer.
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