Car Accident & Subsequent (Lengthy) Claim
Discussion
TooMany2cvs said:
Credit-hire is the old accident-management company scam, at massively higher daily rates than normal.
It seems daft (as they're shafting each other) but insurance companies tend to pass non-fault claims to AMCs. There is an industry agreement on hire rates to stop the stupid rates that used to be used.OP had a guaranteed courtesy on his own policy but likely only a Ford Ka type of vehicle. AMC put you a like-for-like vehicle. Useful for 13 months!
You have to agree to support them in the event of a dispute, but I've never heard of anyone having to pay the bill themselves.
This is the t&c's for guaranteed hire car cover from one of the big insurers.
Guaranteed hire car
If your vehicle is damaged as a result of an accident, fire or theft, or if it is stolen and not recovered, we will give you a hire vehicle as long as the loss takes place in the UK, and is covered by section B or C of your car insurance policy.
What do I get?
A replacement car for repairs and write offs and if the car is stolen
A small hatchback or similar with an engine size of 1000cc
A replacement car within 24 hours of registering your claim
Cover for up to 14 days from registering your Guaranteed Hire Car claim
Alternatively, we’ll pay for your travel costs if we are unable to supply you with a car or you are unable to drive due to injury
Up to £15 a day over the 14 days following your Guaranteed Hire Car claim.
I honestly can't see how anyone would think they'd get like for like replacement for a year on one of these money making insurance add ons.
Guaranteed hire car
If your vehicle is damaged as a result of an accident, fire or theft, or if it is stolen and not recovered, we will give you a hire vehicle as long as the loss takes place in the UK, and is covered by section B or C of your car insurance policy.
What do I get?
A replacement car for repairs and write offs and if the car is stolen
A small hatchback or similar with an engine size of 1000cc
A replacement car within 24 hours of registering your claim
Cover for up to 14 days from registering your Guaranteed Hire Car claim
Alternatively, we’ll pay for your travel costs if we are unable to supply you with a car or you are unable to drive due to injury
Up to £15 a day over the 14 days following your Guaranteed Hire Car claim.
I honestly can't see how anyone would think they'd get like for like replacement for a year on one of these money making insurance add ons.
Jesus ... 13 months in a hire car. Looks like the game is just about to bite you on the arse.
It is written into every policy that the policy holder will do everything to mitigate a claim. You seeem to have taken the piss, thinking you can get away with driving around in a hire car for that amount of time.
If the credit hire company get a whiff that you can afford the cost they will come after you.
It is written into every policy that the policy holder will do everything to mitigate a claim. You seeem to have taken the piss, thinking you can get away with driving around in a hire car for that amount of time.
If the credit hire company get a whiff that you can afford the cost they will come after you.
Wish said:
You seeem to have taken the piss, thinking you can get away with driving around in a hire car for that amount of time.
On one hand perhaps, yes, rather naively, as it may turn out. On the other, the incompetent repairer and subsequent lack of management and expediting from my insurance caused the 13 month duration.From the T&Cs quoted earlier in the thread; I interpret that I should've found my own hire car for the other 12.5 months of the claim.
Sheepshanks said:
You have to agree to support them in the event of a dispute, but I've never heard of anyone having to pay the bill themselves.
Fingers crossed for same result.It's a complete myth that with credit hire, if they can't recover from the tp, the hirer has to pay. All credit hire firms carry insurance to cover them for the bill if the tp insurer won't pay up. It's a legal requirement of credit hire operators. And it hardly ever happens as they don't give you a credit hire car unless they are sure it's 100% non fault and the guilty driver's insurance details are known.
The only time the hirer would have to pay would be if they refused to assist the credit hire firm in recovering their money, ie. refused to attend court or whatever. That's the agreement you sign.
The only time the hirer would have to pay would be if they refused to assist the credit hire firm in recovering their money, ie. refused to attend court or whatever. That's the agreement you sign.
TwigtheWonderkid said:
It's a complete myth that with credit hire, if they can't recover from the tp, the hirer has to pay. All credit hire firms carry insurance to cover them for the bill if the tp insurer won't pay up. It's a legal requirement of credit hire operators. And it hardly ever happens as they don't give you a credit hire car unless they are sure it's 100% non fault and the guilty driver's insurance details are known.
The only time the hirer would have to pay would be if they refused to assist the credit hire firm in recovering their money, ie. refused to attend court or whatever. That's the agreement you sign.
Whilst it's true that it's incredibly rare for a hirer to end up paying the hire charges. It's not true that it is a legal requirement for the Credit Hire firm to be insured for their own bill. Most will just swallow the loss if they don't get paid.The only time the hirer would have to pay would be if they refused to assist the credit hire firm in recovering their money, ie. refused to attend court or whatever. That's the agreement you sign.
TwigtheWonderkid said:
It's a complete myth that with credit hire, if they can't recover from the tp, the hirer has to pay. All credit hire firms carry insurance to cover them for the bill if the tp insurer won't pay up. It's a legal requirement of credit hire operators. And it hardly ever happens as they don't give you a credit hire car unless they are sure it's 100% non fault and the guilty driver's insurance details are known.
The only time the hirer would have to pay would be if they refused to assist the credit hire firm in recovering their money, ie. refused to attend court or whatever. That's the agreement you sign.
Such insurance / assurances are the fraud at the heart of credit hire claims at Court. Not mentioned at Court but no one in their right mind would credit hire without that (or ignorance).The only time the hirer would have to pay would be if they refused to assist the credit hire firm in recovering their money, ie. refused to attend court or whatever. That's the agreement you sign.
Edited by pork911 on Friday 20th January 20:43
Wish said:
It is written into every policy that the policy holder will do everything to mitigate a claim. You seeem to have taken the piss, thinking you can get away with driving around in a hire car for that amount of time.
He isn't the only one 13 months to repair the car. At times repairs/insurers are their own worst enemies.If they had repaired/replaced the car in a timely manners there wouldn't be these charges
voyds9 said:
If they had repaired/replaced the car in a timely manners there wouldn't be these charges
This is the main issue imo.Unknowingly at the time, I've clearly entered into a credit-hire agreement naively believing my insurance would be along to mop behind with their cheque book.
Had they taken my advice that a repair would be difficult given the car was limited edition and 15 years old, we wouldn't be in this position.
Anyway OP, it is absolutely a scam but not necessarily in the way you might think. It's an industry wide scam, seemingly 'cleansed' by everyone doing it. There can be issues of you being hoodwinked, not caring or fully aware etc but it relies absolutely on you hiring that car, at that rate, for that long and not choosing alternatives.
Brass tacks - co-operate and your aren't on the hook for the charges. But that relies on you in your evidence to the Court claiming the bogus contract is genuine and that you are on the hook. That is the fraud at the heart of it and is presented by you. (Both sides know this but won't rock the whole boat / racket).
So, exactly how much are we talking?
Brass tacks - co-operate and your aren't on the hook for the charges. But that relies on you in your evidence to the Court claiming the bogus contract is genuine and that you are on the hook. That is the fraud at the heart of it and is presented by you. (Both sides know this but won't rock the whole boat / racket).
So, exactly how much are we talking?
The Spruce goose said:
I know when I had a non fault claim and hire car I spent a long time sorting it out as I read about stories like this. No help I know. Did you tick legal cover as well as you should get one involved.
I have a feeling I will need to get my own lawyer for this. Not convinced I selected legal cover with that policy.pork911 said:
So, exactly how much are we talking?
I do not know the exact figure, 400 days (ish) @ £X when X is probably large is a nasty number. Thanks for your advice and input.desolate said:
pork911 said:
For the credit hire charges (not the original car policy). All poor smoke and mirrors anyway.
I am confused - which insurance policy covers the hirer for credit hire charges?pork911 said:
Hidden insurance / assurances aside, no one in their right mind would credit hire. Those who can afford the risk don't need to and those that 'need' to can't afford the risk.
I don't agree.Lot's of people need a replacement car and cant afford to fund the hire themselves.
Here we have another example of a person simply trying to make a claim on his own policy. The insurance industry is it's own worst enemy when it comes to this s
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