GT-R non fault claim, like for like hire car?
Discussion
I'm really surprised by PH nowadays. It's a forum for petrol heads. The OP has had his p&j damaged through no fault of his own. I really don't see why he shouldn't get a car of similar calibre to his while they are sorting his one out. Isn't that what insurance is for?
I certainly wouldn't be happy if they offered me a mondeo if I was in his shoes. I've got absolutely nothing against them, but they are not in the same class at all.
IMHO He shouldn't be made to feel guilty - he wasn't at fault and I can't see that he's done anything wrong.
I certainly wouldn't be happy if they offered me a mondeo if I was in his shoes. I've got absolutely nothing against them, but they are not in the same class at all.
IMHO He shouldn't be made to feel guilty - he wasn't at fault and I can't see that he's done anything wrong.
TheAngryDog said:
Out of interest, would this affect the OP's NCB etc? I dont think it would, but technically he is making a claim on his own policy..
It totally depends to be honest on who insures it. Technically if the insurer doesnt make a full recovery then the NCB would be affected. If it choses to abandon, i.e. as it knows it will not be able to recover, rather than taking it to court then in theory you cant affect the NCB.Some interesting opinions. Coming from a background dealing with Insurance claims (albeit not car) where do you draw the line on what the Policyholder should or shouldn't expect when looking to mitigate the loss and the costs associated. It does depend on your policy cover. If you compare the repairs on a standard RSA underwritten home insurance policy to that of a high net worth insurer it is night and day as to what the cover will give you (matching items etc) but that is why you pay the extra premium. So should they also accept non matching items just because some people would accept it?
Assuming most on here are petrolheads, and would expect a repair on a like for like basis to the point the paintwork was as it left the factory, does it mean because MR Bloggs is happy to accept the insurance approved repairer to repair his car to the standard they are happy with, that you would also be happy with the same repair? I know from past experience with friends cars and friends who carry out repairs that I wouldn't be. Or in most cases did the people who accepted a corsa also except the insurance approved repairer? I know I would probably take the lesser quality hire car without too much hassle, but I would certainly be pushing for a repairer of my choice who I know charge inflated prices, but provide a service that is in my opinion better and going to return the car to a standard I am happy with on a like for like basis to as it left factory.
Assuming most on here are petrolheads, and would expect a repair on a like for like basis to the point the paintwork was as it left the factory, does it mean because MR Bloggs is happy to accept the insurance approved repairer to repair his car to the standard they are happy with, that you would also be happy with the same repair? I know from past experience with friends cars and friends who carry out repairs that I wouldn't be. Or in most cases did the people who accepted a corsa also except the insurance approved repairer? I know I would probably take the lesser quality hire car without too much hassle, but I would certainly be pushing for a repairer of my choice who I know charge inflated prices, but provide a service that is in my opinion better and going to return the car to a standard I am happy with on a like for like basis to as it left factory.
DonnyMac said:
I nearly bought a M6 a few years back but went for a Maserati GranSport instead (for sale if any of you are interested) so pootling about in a 650 will give me a fairly good idea on whether I made the right decision.
I've made an assumption here that the replacement will be provided on Credit Hire, so if this doesn't apply then feel free to ignore the following.One of the first questions the Other Party's solicitor will ask is why you didn't use the other cars available to you. If it goes to court and they are successful then you will be expected to pay the costs of the hire car, as Credit Hire should only be provided to those who need it.
May have already been mentioned (I haven't read all 6 pages) but I think there is an elephant in the room here.
There is a BIG difference between paying for an upgrade to your policy for a 'like for like' replacement, and simply accepting one offered by a blood sucking accident management company. One is provided by your insurer, the other is provided by the ACM.
The one provided by the insurer is 'paid for' from your additional premium and will obviously be provided in the most cost efficient way to the insurer.
The ACM will charge hundreds of pounds per day, and at the same drop an incentive to the garage to take longer on the repair, dropping the bill on your insurer. This expense was not covered in the risk assesment and thus, premiums rise, significantly, as a result.
Accident management company provided 'credit hire' like for like replacements are the work of the devil and absolutely should be treated with the derision they deserve as they are IMO, more of an issue than false whiplash claims. however this is NOT what the OP is talking about.
There is a BIG difference between paying for an upgrade to your policy for a 'like for like' replacement, and simply accepting one offered by a blood sucking accident management company. One is provided by your insurer, the other is provided by the ACM.
The one provided by the insurer is 'paid for' from your additional premium and will obviously be provided in the most cost efficient way to the insurer.
The ACM will charge hundreds of pounds per day, and at the same drop an incentive to the garage to take longer on the repair, dropping the bill on your insurer. This expense was not covered in the risk assesment and thus, premiums rise, significantly, as a result.
Accident management company provided 'credit hire' like for like replacements are the work of the devil and absolutely should be treated with the derision they deserve as they are IMO, more of an issue than false whiplash claims. however this is NOT what the OP is talking about.
Edited by Kozy on Wednesday 19th November 11:13
Jabosoc said:
DonnyMac said:
I nearly bought a M6 a few years back but went for a Maserati GranSport instead (for sale if any of you are interested) so pootling about in a 650 will give me a fairly good idea on whether I made the right decision.
I've made an assumption here that the replacement will be provided on Credit Hire, so if this doesn't apply then feel free to ignore the following.One of the first questions the Other Party's solicitor will ask is why you didn't use the other cars available to you. If it goes to court and they are successful then you will be expected to pay the costs of the hire car, as Credit Hire should only be provided to those who need it.
The Maserati is on SORN awaiting sale + for some bonkers reason is uber mileage sensitive when it comes to residuals - it's an Italian thing.
Sadly neither the S8 nor 650 happened, which is a shame - I've been wafting around in a Mercedes CL500 since the weekend, the power is glorious, but cornering not so much.
Just got the call from the insurer, written off CatD, uneconomical to repair at near £30k - I loved that bloody car.
Righto, this can now turn into a 'what car' thread -
Another GT-R
Porsche 911t cab
Lamborghini Gallardo
Something else?
Eta speeeeling of residuals
Edited by DonnyMac on Wednesday 19th November 11:27
DonnyMac said:
Just got the call from the insurer, written off CatD, uneconomical to repair at near £30k - I loved that bloody car.
Righto, this can now turn into a 'what car' thread -
Another GT-R
Porsche 911t cab
Lamborghini Gallardo
Something else?
Thats a real shame fella.. Righto, this can now turn into a 'what car' thread -
Another GT-R
Porsche 911t cab
Lamborghini Gallardo
Something else?
You may be able to buy it back and then get it fixed up yourself, or break it and sell off the spares.. If you can be bothered with that..
I'd start a new what car thread.. Otherwise the like for like discussion will just continue..
Mave said:
Girl has accident, insurance industry pays out to repair car, premiums go up because money has been spent.
Someone wants a better courtesy car, insurance industry pays for better car, premiums go up because more money has been spent.
Which bit of this do you disagree with?
OP has paid an additional premium to cover a like for like car. Why shouldn't he make use of it?Someone wants a better courtesy car, insurance industry pays for better car, premiums go up because more money has been spent.
Which bit of this do you disagree with?
By the same rationale, if you crash your car, you shouldn't make a claim at all. Premiums go up because more money has been spent.
Whilst we're at it, everybody should just agree to never claim under any circumstances. The insurance premiums will plummet!
DonnyMac said:
thelawnet said:
DonnyMac said:
Just got the call from the insurer, written off CatD, uneconomical to repair at near £30k - I loved that bloody car.
So does that mean the hire car goes back immediately?
Can't be arsed to read the whole thread...
If OP paid extra for "like for like" hire car, then that is what he should get.
If he didn't, then it's a case of accepting whatever dull-but-functional machine the insurer offers. A Mondeo is pretty good as these things go - after all, it's not an Astra, a Corsa, a Hyundai...
Must be galling to have your car written off by someone else's stupidity, OP. Hope it all gets sorted ASAP.
If OP paid extra for "like for like" hire car, then that is what he should get.
If he didn't, then it's a case of accepting whatever dull-but-functional machine the insurer offers. A Mondeo is pretty good as these things go - after all, it's not an Astra, a Corsa, a Hyundai...
Must be galling to have your car written off by someone else's stupidity, OP. Hope it all gets sorted ASAP.
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