Auxillis - Accident Claims Management - Non Fault Claim

[shopper150]

Had an accident over the weekend. It's non fault and my insurance company are 'advising' me to use Auxillis.
I'm always weary of using such companies and ending up being liable for huge costs of things don't go as planned. There are plenty of horror stories around.

Can anyone advise what the best way forward is? Is it worth me trying to engage with the third parties insurance company?

It will be hugely inconvenient getting a small Corsa as a courtesy car for what will no doubt be weeks on end so I'd really like a decent replacement.

[fastbikes76]

Deal direct with 3rd party or your insurance, and do NOT take a credit hire car... we are currently fighting a 13k Hire car claim for a non fault claim and the management company dragged their feet making the hire much longer than needed.

[shopper150]

fastbikes76 said:

Deal direct with 3rd party or your insurance, and do NOT take a credit hire car... we are currently fighting a 13k Hire car claim for a non fault claim and the management company dragged their feet making the hire much longer than needed.

Thanks. How do I get the third party insurance companies details? Should I ask my insurance company for their details?
I only have the drivers contact details and vehicle registration number.

[fastbikes76]

shopper150 said:

Thanks. How do I get the third party insurance companies details? Should I ask my insurance company for their details?
I only have the drivers contact details and vehicle registration number.

Then I would just hand that to your insurance, either way the will have to be told about the claim, so let them earn their annual premium and do the ground work. Last time I went direct with 3rd party’s insurance as they provided it and they couldn’t have been more helpful. This time the idiot who drove into the wife denied responsibility and wouldn’t give insurance details so we went through a claims company... never again !

[Smurfsarepeopletoo]

Go to Askmid.com and just pay for a check, will give you the details of the insurer, Auxillis are a reputable company, so there shouldnt be any issues with them trying to recover any credit hire charges with you.

And be aware, if you speak to Auxillis and they make you an offer of a replacement hire, then the Third Party Insurers may not offer a hire car if they are an ABI insurer/

[shopper150]

fastbikes76 said:

Then I would just hand that to your insurance, either way the will have to be told about the claim, so let them earn their annual premium and do the ground work. Last time I went direct with 3rd party’s insurance as they provided it and they couldn’t have been more helpful. This time the idiot who drove into the wife denied responsibility and wouldn’t give insurance details so we went through a claims company... never again !

Thanks. I don't understand why insurance companies don't do the work that claims management companies do and why the latter are not outlawed.

[shopper150]

Smurfsarepeopletoo said:

Go to Askmid.com and just pay for a check, will give you the details of the insurer, Auxillis are a reputable company, so there shouldnt be any issues with them trying to recover any credit hire charges with you.

And be aware, if you speak to Auxillis and they make you an offer of a replacement hire, then the Third Party Insurers may not offer a hire car if they are an ABI insurer/

Auxillis have sent me a agreement for the hire vehicle at around £380 a day! I'm nervous about agreeing.

[KungFuPanda]

Smurfsarepeopletoo said:

Go to Askmid.com and just pay for a check, will give you the details of the insurer, Auxillis are a reputable company, so there shouldnt be any issues with them trying to recover any credit hire charges with you.

And be aware, if you speak to Auxillis and they make you an offer of a replacement hire, then the Third Party Insurers may not offer a hire car if they are an ABI insurer/

You don’t even need to pay for an askmid check. If using a mobile device, the MID have a site where you fill in the details if you’ve been in an accident and it will provide details of the third party insurer.

Auxilis used to be called Helphire. Google the name and you’ll see what a shower of st they truly are.

[shopper150]

KungFuPanda said:

You don’t even need to pay for an askmid check. If using a mobile device, the MID have a site where you fill in the details if you’ve been in an accident and it will provide details of the third party insurer.

Auxilis used to be called Helphire. Google the name and you’ll see what a shower of st they truly are.

Great, I've just got the details using this service.
Is it the done thing to just call them up and see if they are prepared to handle it?

[Smurfsarepeopletoo]

shopper150 said:

Auxillis have sent me a agreement for the hire vehicle at around £380 a day! I'm nervous about agreeing.

As long as you have been honest with them about the need for a vehicle, that you dont have another suitable vehicle that you can use, about wether your car is roadworthy or not, then you will be ok.

The ABI GTA states that the first person to make a reasonable offer that is understood and accepted, should be the first to deal.

"The overriding principle for the GTA is that whoever is first to a customer and obtains their agreement should provide the service and all subscribers should not seek to intervene. All subscribers must, therefore, not seek to transfer a customer who has agreed to accept a vehicle into an alternative replacement vehicle."

So if you have already accepted an offer over the phone from Auxillis, then the TPI may not be able to offer you one if they are a ABI insurer.

[shopper150]

Smurfsarepeopletoo said:

As long as you have been honest with them about the need for a vehicle, that you dont have another suitable vehicle that you can use, about wether your car is roadworthy or not, then you will be ok.

The ABI GTA states that the first person to make a reasonable offer that is understood and accepted, should be the first to deal.

"The overriding principle for the GTA is that whoever is first to a customer and obtains their agreement should provide the service and all subscribers should not seek to intervene. All subscribers must, therefore, not seek to transfer a customer who has agreed to accept a vehicle into an alternative replacement vehicle."

So if you have already accepted an offer over the phone from Auxillis, then the TPI may not be able to offer you one if they are a ABI insurer.

It wasn't an offer over the phone. On Saturday, they said they couldn't get a car to me over the weekend. This morning, they have sent an email with what seems like a credit agreement.

Also, I want the car repaired by a manufactured authorized repairer.

[shopper150]

The third party insurer is Hastings Direct...

[Smurfsarepeopletoo]

shopper150 said:

It wasn't an offer over the phone. On Saturday, they said they couldn't get a car to me over the weekend. This morning, they have sent an email with what seems like a credit agreement.

Also, I want the car repaired by a manufactured authorized repairer.

Im assuming you have spoken to them over the phone, gone through the accident details and they have made you aware that they can offer you a similar vehicle to your own, and that you wont be liable for any charges as long as you havent given them any false or misleading information, and that they cant get you a vehicle over the weekend? If so, this is the offer.

What damage is there to your car?

[shopper150]

Smurfsarepeopletoo said:

Im assuming you have spoken to them over the phone, gone through the accident details and they have made you aware that they can offer you a similar vehicle to your own, and that you wont be liable for any charges as long as you havent given them any false or misleading information, and that they cant get you a vehicle over the weekend? If so, this is the offer.

Pretty much....

Smurfsarepeopletoo said:

What damage is there to your car?

Reasonably bad from end damage. Axle or wheel is damaged and hence cannot drive.

[shopper150]

shopper150 said:

Smurfsarepeopletoo said:

Im assuming you have spoken to them over the phone, gone through the accident details and they have made you aware that they can offer you a similar vehicle to your own, and that you wont be liable for any charges as long as you havent given them any false or misleading information, and that they cant get you a vehicle over the weekend? If so, this is the offer.

Pretty much....

Smurfsarepeopletoo said:

What damage is there to your car?

Reasonably bad from end damage. Axle or wheel is damaged and hence cannot drive.

So if I've been made an offer, where do I go from here assuming that I want the best outcome for me with the least risk?

Edited by shopper150 on Monday 7th September 15:08

[Smurfsarepeopletoo]

shopper150 said:

So if I've been made an offer, where do I go from here assuming that I want the best outcome for me with the least risk.

You can speak to Hastings and see if they are willing to give you a car, but you will need to make them aware of the offer you have had, they will then say wether they can or not, they just may have to agree intervention rates, or they may just tell auxillis to do one and deal with the repairs and provide you with a car.

Or alternatively, just accept the agreement from Auxillis, as long as you have given them the correct info, and by the sounds of things you cant drive your car, then if they delay anything, then that is their issue not yours, just make sure you try and be as helpful as possible when it comes to getting your car back.

[shopper150]

Smurfsarepeopletoo said:

You can speak to Hastings and see if they are willing to give you a car, but you will need to make them aware of the offer you have had, they will then say wether they can or not, they just may have to agree intervention rates, or they may just tell auxillis to do one and deal with the repairs and provide you with a car.

Or alternatively, just accept the agreement from Auxillis, as long as you have given them the correct info, and by the sounds of things you cant drive your car, then if they delay anything, then that is their issue not yours, just make sure you try and be as helpful as possible when it comes to getting your car back.

Thanks. Do you think I should try and get Admiral (my insurance) and Auxillis to get them to admit liability before proceeding?
I want to minimise the risk of being liable for any charges.

The incident is clear cut, as long as the TP driver doesn't lie.

[shopper150]

I should also state that it's my wife's policy, I am a named driver and was the driver at the time of the incident.

[SydneyBridge]

What car is it for £380 a day.?

I would call Hastings, check that it has been reported and liability not in dispute first. If admitted, let them deal with everything

[fastbikes76]

Smurfsarepeopletoo said:

As long as you have been honest with them about the need for a vehicle, that you dont have another suitable vehicle that you can use, about wether your car is roadworthy or not, then you will be ok.

Not necessarily, our Touareg was written off and we were put in a Audi Q5 replacement at £360 a day. We had no other alternate vehicle available and accident was 100% non fault. 3rd party insurance are refusing to cover hire car cost of 36 days which it took them to accept liability and payout. We have a court date in December where we are fighting a £13k hire car bill on behalf of management company. In their T&C’s they state if they lose the case they ‘may’ chase us for the costs which I’m guessing will be the 13k plus 12 months of legal fees on top !!