Insurance Claim - Hire Car Issues
Insurance Claim - Hire Car Issues
Author
Discussion

ThePlanner

Original Poster:

5,253 posts

297 months

Tuesday 20th November 2012
quotequote all
I would like to gauge what the PHers would do.

Our car was damaged in a supermarket car park 8 weeks ago, overall the damage was light and car is still drivable. so we kept the car until the repair garage sourced the parts for the car.

The 3rd PArties insurance has agreed to provide a hire car for the suration of the repair works. The car agreed was a BMW X5, Audi Q7 or Volvo XC90 or similar (Like for like replacement due to a non fault incident). The hire car company called yesterday at 4pm to say that we are delivering your hire tomorrow at 9am and will be a Audi A3 as thats what they have left in stock.

Oh well we need a 7 seater but we will mamange as best as possible. Hire car arrived and it was a 6yr old Audi A4 in poor condition dirty both inside and out. Unable to inspect condition due to how dirty the car is. I refused to accept the Car, phoned the hire car company to be greated by a arrogant idiot who says its the best we got. Called insurance company to query, insurance company not happy as they have a electronic invoice for a Q7 and not a A4 from the hire car company. sent a unhappy delivery driver away with the car.

Would you refuse a insruance hire car is the wrong car turned up and you were unable to verify the cars condition.

Reapirs now delayed again due to the hire car comapny.



Locke

1,279 posts

214 months

Tuesday 20th November 2012
quotequote all
They always take the piss when it's for insurance claims, I had one dropped off filthy once. I think most people let them get away with it.

LuS1fer

43,517 posts

275 months

Tuesday 20th November 2012
quotequote all
You did the right thing.
Some hire company is skanking the insurance company.

StottyZr

6,860 posts

193 months

Tuesday 20th November 2012
quotequote all
You did exactly the right thing. That really is taking the piss.

lestershaw

1,591 posts

188 months

Tuesday 20th November 2012
quotequote all
personally i wouldnt take a hire car unless i needed one desparately.
if i did i would inspect it thoroughly all over including underneath in the prescence of the rental company.
i had a friend who had an insurance hire car, and they said he damaged the underneath of the car and charged him a fortune in excess, he couldnt prove it wasnt him, so he had to pay

LuS1fer

43,517 posts

275 months

Tuesday 20th November 2012
quotequote all
lestershaw said:
they said he damaged the underneath of the car and charged him a fortune in excess, he couldnt prove it wasnt him, so he had to pay
A novel proposition of law. He who asserts must prove, not the other way round.

lestershaw

1,591 posts

188 months

Tuesday 20th November 2012
quotequote all
he inspected the car before he took it, didnt look underneath, when he returned it they found damage underneath, he had already signed the paperwork when collecting the car saying there was no damage, is that not damning?

LuS1fer

43,517 posts

275 months

Tuesday 20th November 2012
quotequote all
lestershaw said:
he inspected the car before he took it, didnt look underneath, when he returned it they found damage underneat, he had already signed the paperwork when collecting the car saying there was no damage, is that not damning?
It could be but who the hell inspects under the car? I think they'd be on dodgy ground expecting a hirer to give it any sort of underbody inspection.

big_boz

1,685 posts

237 months

Tuesday 20th November 2012
quotequote all
Last year following a rear-ender on the M1 (non-fault TP hit me), i was promised a like for like against my Audi A4. I was specific on it being a substantial diesel good for motorway cruising as i had approximately 1000 motorway miles to cover in the expected repair period.

I was told this would not be a problem. First thing the next morning i get a knock at the door, by the time i get down stairs keys have been posted through my letterbox and the delivery agent had gone, must have been less than 3 minutes for me to get to the door.

Its a Chevy key, So i look out of the window, cant see a cruze, so i figure it must be round the corner as parking is a bit tight on my street. What i find when i go outside is a bottom of the range Spark, with half a flat Tyre and covered in dinks and scuffs, none of which are on the paperwork that came with the key, also it stinks of smoke, so the delivery driver must have been smoking in it, despite the no smoking stickers peppering the interior.

I called the insurance company who are very apologetic, blame the hire company "they are always doing this", anyway I am told to get a taxi, take the keys to the spark to work and that a suitable car will be delivered to me at work later in the day. A few hours later the hire company arrive with brand spanking Astra CDTI 160 SRI, all the bells and whistles 0 miles on the clock, better than like for like but in terms of like for like as listed in my insurance policy, it will do the job. They take the keys for the spark, when i got home it was gone, so i though no more about it, and drove the astra about 900 miles in the 10 days i had it.

About 3 months later i get a letter from my insurance telling me that i am going to have to cover the additional cost of the "premium" group hire car i took as i didn't accept the car offered in the first instance and the TP insurance is not willing to cover the cost of the hire car and also that my claim for the Taxi that morning (£12) was also not going to be covered!

I called them and was told the same, i explained what had happened and that i had done what i had been told by them and that a Spark of any description is not like for like, but no, it stands i have to pay the c.£400 bill.

I asked my brief to write them a letter instructing them of the facts and to contact him if they wished to discuss the matter further, also attaching his bill for the time taken to write the letter, 2 weeks later he calls to say his invoice has been paid and that no further action is to be taken.......

Absolute Scumbags, yet another way to try and ring every last penny out of the motorist by our crooked insurance companies!

Riley Blue

23,205 posts

256 months

Tuesday 20th November 2012
quotequote all
Locke said:
They always take the piss when it's for insurance claims, I had one dropped off filthy once. I think most people let them get away with it.
On the other hand when my twelve year old A4 required a new back bumper and was away for a week the car provided was a brand new Ford Galaxy, the only vehicle available able to carry a folded wheelchair, there being no estate cars free. In the event I didn't visit my Dad that week so the wheelchair wasn't carried.

dave_s13

14,028 posts

299 months

Tuesday 20th November 2012
quotequote all
On the flip side.

I recently had someone reverese into my BMW E61 and damage the passenger door.

used Europa consultants who arranged a brand new Audi A6 for me to tool around in for a week or so. No hassle at all.

lestershaw

1,591 posts

188 months

Tuesday 20th November 2012
quotequote all
LuS1fer said:
It could be but who the hell inspects under the car? I think they'd be on dodgy ground expecting a hirer to give it any sort of underbody inspection.
my girlfriend recently had a hire car, i went with her to collect it, i made her look all over and inside and asked the rep to put it on a ramp, he couldnt , so i made him put a note on the paperwork saying the underneath hadnt been inspected and therfore we could not be held accountable for any damage that may be found later on , he agreed with this and she took the car. she was "lucky" asked for an estate and got one. this was supplied by Enterprise in Harlow, and they gave a very good service

Edited by lestershaw on Tuesday 20th November 09:46

Rochellc01

2,218 posts

171 months

Tuesday 20th November 2012
quotequote all
ThePlanner said:
Original Post, edited for size.
Your well within your rights, you have been inconvienienced by the person causing the accident in the first place, only to be hit by a second inconvienience. appaulling.

blueg33

46,527 posts

254 months

Tuesday 20th November 2012
quotequote all
Rochellc01 said:
Your well within your rights, you have been inconvienienced by the person causing the accident in the first place, only to be hit by a second inconvienience. appaulling.
I agree.

Its also not the only thing thats appalling wink

Donatello

1,035 posts

191 months

Tuesday 20th November 2012
quotequote all
I know somebody who works for Enterprise. He told me that the branch manager is under instruction that any insurance related hire cars requested are a chance to make a little extra, so they do as above and deliver a car from say entry level and charge for executive.

9 times out of ten he says the customer accepts the car without so much as looking at it, smiles and shuts the door. I've told him he is a bd and is going to hell, he just shrugs and says 'It's what I'm told to do'...

kambites

71,499 posts

251 months

Tuesday 20th November 2012
quotequote all
LuS1fer said:
You did the right thing.
Some hire company is skanking the insurance company.
yes The hire car company is committing fraud if the insurers paid for a Q7 and they supplied a battered old A4.

Riley Blue

23,205 posts

256 months

Tuesday 20th November 2012
quotequote all
It was Enterprise my Galaxy came from, the rate was £309 for the week which is about $70 less than their currently advertised weekly charge. Maybe some of their staff are honest?