GT-R non fault claim, like for like hire car?

[Ki3r]

Could be worse OP. I've got a horrible 2004 three door Corsa, sounds like st. Warning symbols on the dash (but it's ok apparently).

Ok so they are repairing my 2012 three door Corsa, so can't complain too much. But my god it's st. Horrible to drive basic thing.

I did feel sorry for the bloke who was swapping his damaged 64 plate Volvo for some Vauxhall cube shaped thing.

[Sway]

Rawwr said:

He's being asked to drive a Mondeo for a short amount of time. He's not being asked to bounce up and down in a big armchair full of AIDS-infected needles.

[FreeLitres]

When anyone complains about high insurance costs, they should be directed to this thread.

On a similar note, I know one chap that had a non-fault minor bump in his entry level £6k TVR and insisted on like-for-like. He ended up with a nearly new £50+k Porsche 911 Carrera.

[Honey Badger]

Rich n Em said:

During a minor prang a few years back I was in a similar situation. Rocked up to collect my like-for-like courtesy car for my 159 and was presented with a 3 door 1.3 Corsa. As a family man with a long daily commute this was clearly unacceptable.

I had to push hard as they "had nothing else available", eventually they gave me a brand new CLS 350! Good times.

Yes, they should honour it, to the best of their ability but really, if the Mondeo will do, live with it for the short time needed to fix up your Nissan.

Although it did lower the quality of the convoy



Chris

Edited by Honey Badger on Friday 14th November 19:50

[Mysterae]

I think a like for like replacement is fair for non-fault claims. Technically the jump in premiums should go on the person's who's fault it was, but it probably doesn't work like that. If you have an accident and it's your fault, think of it as punishment if they give you something crap!

When a young girl drove in to my parked 320d that I used to own, I was offered a like-for-like replacement; didn't even occur to me as an option! Cue a shiny Toyota GT86 being delivered by trailer . I had the GT86 for almost a month as the bumper had to be back-ordered and the (insurance appointed) repairer didn't do an acceptable job of the repair.

Eventually I had to return the GT86 but my car still wasn't right so had to use the repairer's courtesy car - a damn Fiat 500 in baby blue, bloody hateful car. I left the balaclava in the glove compartment when I gave the stty thing back. I accepted a sub-standard repair to my 320d just to get out of the thing.

I'm surprised at the amount of people moaning about like-for-like replacements. It may add something to everyone's insurance nationally but you have no idea how much. It could £10 or £100, who knows?

[FreeLitres]

Mysterae said:

I'm surprised at the amount of people moaning about like-for-like replacements. It may add something to everyone's insurance nationally but you have no idea how much. It could £10 or £100, who knows?

So you have been instrumental in adding somewhere between £10 and £100 onto my insurance policy? Cheers!

[mattdaniels]

Insurance is a product in a free market and as car drivers we decide what benefits we want from a policy and what we are willing to pay for that product.

OP - did you buy insurance which specifies a like for like replacement?

[Adz The Rat]

Mysterae said:

I'm surprised at the amount of people moaning about like-for-like replacements.

So am I. If the OP has paid extra for "like for like" then why shouldn't he use it? Whether its a GTR or a Corsa or a 458, that is what he is entitled to.

[C. Grimsley]

Take what you are offered, I went down the accident management company and 18 months on I still haven't been paid out (my car was a write off), going court now, once an accident co get involved the costs spiral.

Carl

[mybrainhurts]

DonnyMac said:

I've seen replies from you before MPH, your reputation remains intact.

I'll be sure to let the teenager know that I've been responsible for increasing everyone's premiums, after they've removed her car from the head on collision she caused when she overtook a car straight into me.

Thanks again.

Sarcasm not justified.

MPH is correct, it IS attitudes like yours that bump up premiums for everybody else. Didn't you hear the government inquiry?

You don't need a like for like temporary replacement. Take a Mondeo and put a bag over your head if you think people will view you with contempt.

Or use your other car.

[Mave]

Mysterae said:

I think a like for like replacement is fair for non-fault claims. Technically the jump in premiums should go on the person's who's fault it was, but it probably doesn't work like that. If you have an accident and it's your fault, think of it as punishment if they give you something crap!

Think about who is taking the money for the "like for like" premium, and who is then paying the bill for the hire car.

It doesn't matter whether you have paid for tpf&t, comprehensive, like for like, or some special policy that lets you hsve a vintage ferrari; in a non-fault claim the third party has a responsibility to sort out your car, and any reasonably incurred expenses. You have a responsibility to keep those expenses as low as reasonably possible.

If you want like for like cover, then that is something you want to be covered for over and above the liabilities of the third party (which is why you pay for it in your premiums!) Essentially its an additional insurance you're paying for and claiming on irrespective of fault, so when you claim on it you IMHO you should pay for any resulting premium increase.

[nottyash]

I think people are being harsh to the Op.
He is right, the girl driving into him puts your premium up, so what is wrong with wanting a similar car to the one damaged through no fault of your own?

False claims and ambulance chasing solicitors fees are what puts premiums up, not someone wanting a like for like car.

[golfdsg]

mybrainhurts said:

DonnyMac said:

I've seen replies from you before MPH, your reputation remains intact.

I'll be sure to let the teenager know that I've been responsible for increasing everyone's premiums, after they've removed her car from the head on collision she caused when she overtook a car straight into me.

Thanks again.

Sarcasm not justified.

MPH is correct, it IS attitudes like yours that bump up premiums for everybody else. Didn't you hear the government inquiry?

You don't need a like for like temporary replacement. Take a Mondeo and put a bag over your head if you think people will view you with contempt.

Or you your other car.

why should he? The op asked if he is entitled to a like for like car. If he is driving a nissan GTR i dont think he will be too happy driving that mondeo piece of st. Also you said "you dont need a like for like temporary replacement", The OP seems to have had a major impact and his car will be in the garage for quite a while so he doesnt want to be seen driving around in a mondeo.

For arguements sake, lets say you are a CEO earning a 7 figure salary, drive a Rolls Royce and somebody crashes into you. I dont think you would be too happy driving around in a mondeo.

Therefore the OP should be pushing the insurance company to give him a like for like car. If you dont like that then fk you and when you have a crash you can drive around in your stty 1.0 corsa courtesy car.

[mybrainhurts]

golfdsg said:

mybrainhurts said:

DonnyMac said:

I've seen replies from you before MPH, your reputation remains intact.

I'll be sure to let the teenager know that I've been responsible for increasing everyone's premiums, after they've removed her car from the head on collision she caused when she overtook a car straight into me.

Thanks again.

Sarcasm not justified.

MPH is correct, it IS attitudes like yours that bump up premiums for everybody else. Didn't you hear the government inquiry?

You don't need a like for like temporary replacement. Take a Mondeo and put a bag over your head if you think people will view you with contempt.

Or you your other car.

why should he? The op asked if he is entitled to a like for like car. If he is driving a nissan GTR i dont think he will be too happy driving that mondeo piece of st. Also you said "you dont need a like for like temporary replacement", The OP seems to have had a major impact and his car will be in the garage for quite a while so he doesnt want to be seen driving around in a mondeo.

For arguements sake, lets say you are a CEO earning a 7 figure salary, drive a Rolls Royce and somebody crashes into you. I dont think you would be too happy driving around in a mondeo.

Therefore the OP should be pushing the insurance company to give him a like for like car. If you dont like that then fk you and when you have a crash you can drive around in your stty 1.0 corsa courtesy car.

I'd be happy to take a Fiat Panda to get me around, rather than sponging on the rest of the nation's drivers, by way of humping up their premiums to support my ego.

[golfdsg]

mybrainhurts said:

golfdsg said:

mybrainhurts said:

DonnyMac said:

I've seen replies from you before MPH, your reputation remains intact.

I'll be sure to let the teenager know that I've been responsible for increasing everyone's premiums, after they've removed her car from the head on collision she caused when she overtook a car straight into me.

Thanks again.

Sarcasm not justified.

MPH is correct, it IS attitudes like yours that bump up premiums for everybody else. Didn't you hear the government inquiry?

You don't need a like for like temporary replacement. Take a Mondeo and put a bag over your head if you think people will view you with contempt.

Or you your other car.

why should he? The op asked if he is entitled to a like for like car. If he is driving a nissan GTR i dont think he will be too happy driving that mondeo piece of st. Also you said "you dont need a like for like temporary replacement", The OP seems to have had a major impact and his car will be in the garage for quite a while so he doesnt want to be seen driving around in a mondeo.

For arguements sake, lets say you are a CEO earning a 7 figure salary, drive a Rolls Royce and somebody crashes into you. I dont think you would be too happy driving around in a mondeo.

Therefore the OP should be pushing the insurance company to give him a like for like car. If you dont like that then fk you and when you have a crash you can drive around in your stty 1.0 corsa courtesy car.

I'd be happy to take a Fiat Panda to get me around, rather than sponging on the rest of the nation's drivers, by way of humping up their premiums to support my ego.

Ofcourse you would be happy with a fiat panda, thats because you're not a CEO with the 7 figure salary^ lol

[Grandfondo]

There seems to be a bit of green eyed monster on this thread!

[Muncher]

The point is if you were happy driving a Fiat Panda you would have bought one, except you didn't.

[Mysterae]

mybrainhurts said:

I'd be happy to take a Fiat Panda to get me around, rather than sponging on the rest of the nation's drivers, by way of humping up their premiums to support my ego.

I'm sure you wouldn't be happy if you have to drive 100 miles a day each week in the puddle jumper, or had a continental trip planned for the family and their associated luggage, just before the accident.

[Mave]

nottyash said:

I think people are being harsh to the Op.
He is right, the girl driving into him puts your premium up, so what is wrong with wanting a similar car to the one damaged through no fault of your own?

What loss has he incurred from being given a less prestigious car than the one being repaired?

[golfdsg]

Mave said:

What loss has he incurred from being given a less prestigious car than the one being repaired?

The loss of not being able to enjoy his Nissan GTR