Insurance Claim, Excess Payment, Unhappy, Help Req'd!
Insurance Claim, Excess Payment, Unhappy, Help Req'd!
Author
Discussion

FordMan1

Original Poster:

494 posts

220 months

Wednesday 4th February 2015
quotequote all
Looking for a bit of advice on this one.

Incident in car earlier in month and claimed through insurance and car submitted to well known repair firm for repair.

10 days I was told car would take and ready for uplift Monday. I have had to phone on numerous occasions and don't recieve calls with updates.

On Monday I was told struggling to match paint, car ready Tuesday. On Tuesday I was told issue with headlamp unit when rebuilding, car ready Wednesday.

Had to phone there to be told car not ready now until tomorrow.

Not happy paying the £350 excess on my insurance, which I fully agree I signed up to, when the service at the repair shop has been as poor.

Has anyone been in this position and can anyone advise if only partial settlement of excess is possible, or am I on to plums...


Cheers.

annsxman

295 posts

273 months

Wednesday 4th February 2015
quotequote all
Well you can ask but I would have thought that the Insurance company - and it's them that you have a contract with - will say cough up.

Soov535

35,829 posts

302 months

Wednesday 4th February 2015
quotequote all

Not a chance.

FordMan1

Original Poster:

494 posts

220 months

Wednesday 4th February 2015
quotequote all
Seems daft that the insurers authorised repair company can offer below expected service continually and as the "paying customer" you just have to suffer it.


FordMan1

Original Poster:

494 posts

220 months

Wednesday 4th February 2015
quotequote all
Seems daft that the insurers authorised repair company can offer below expected service continually and as the "paying customer" you just have to suffer it.


Sheepshanks

41,279 posts

150 months

Wednesday 4th February 2015
quotequote all
Have you got a courtesy car?

catman

2,504 posts

206 months

Wednesday 4th February 2015
quotequote all
I don't see that you can negotiate your excess now, but you could file a complaint with your Insurer regarding the delays.

Tim

Lee540

1,586 posts

175 months

Wednesday 4th February 2015
quotequote all
The excess is payment for repairs, repair being done, you can't not pay.


FordMan1

Original Poster:

494 posts

220 months

Wednesday 4th February 2015
quotequote all
I have a courtesy car which is far inferior to the car being repaired, whilst I understand my policy only allows for this it is frustrating to be told every day, only after chasing that it won't be until the following day that your car will be ready.

They appear to have carte blanche to act how they wish.

TooMany2cvs

29,008 posts

157 months

Wednesday 4th February 2015
quotequote all
FordMan1 said:
On Monday I was told struggling to match paint, car ready Tuesday. On Tuesday I was told issue with headlamp unit when rebuilding, car ready Wednesday.
Would you rather you'd turned up on Monday and found mis-matching paint and a bodged-in headlamp?

FordMan1

Original Poster:

494 posts

220 months

Wednesday 4th February 2015
quotequote all
TooMany2cvs said:
Would you rather you'd turned up on Monday and found mis-matching paint and a bodged-in headlamp?
No clearly, and that is not what my issue is with.

The issue is with lack of contact and false promises.

Soov535

35,829 posts

302 months

Wednesday 4th February 2015
quotequote all
FordMan1 said:
TooMany2cvs said:
Would you rather you'd turned up on Monday and found mis-matching paint and a bodged-in headlamp?
No clearly, and that is not what my issue is with.

The issue is with lack of contact and false promises.
Welcome to the UK.

randlemarcus

13,646 posts

262 months

Wednesday 4th February 2015
quotequote all
FordMan1 said:
Seems daft that the insurers authorised repair company can offer below expected service continually and as the "paying customer" you just have to suffer it.
If that was the case, you would be well within your rights to go grrr at them. Problem is, that's not the case. You are NOT the paying customer, your insurance company is. And I suspect their instructions to the garage were "fix it, but on this, as in every case, do it as cheaply as possible, and if that means getting the apprentices to sling it together and have it checked by a Big Boy, well, that's fine".

I'd be submitting narky feedback about the delays, but my opinion, that's about your extent of complaint.

55palfers

6,389 posts

195 months

Wednesday 4th February 2015
quotequote all
If the garage is handy, I'd call in and ask to see the car.

If it's not 100% right - point out the faults, photograph them and agree a schedule for repairs.


TooMany2cvs

29,008 posts

157 months

Wednesday 4th February 2015
quotequote all
FordMan1 said:
TooMany2cvs said:
Would you rather you'd turned up on Monday and found mis-matching paint and a bodged-in headlamp?
No clearly, and that is not what my issue is with.

The issue is with lack of contact and false promises.
But they were in contact on Monday and on Tuesday, warning you of the issues and the delays.

Sheepshanks

41,279 posts

150 months

Wednesday 4th February 2015
quotequote all
Soov535 said:
FordMan1 said:
TooMany2cvs said:
Would you rather you'd turned up on Monday and found mis-matching paint and a bodged-in headlamp?
No clearly, and that is not what my issue is with.

The issue is with lack of contact and false promises.
Welcome to the UK.
Particularly anything to do with motor trade. And plumbing.

I'd be loath to hassle them - they'll blame you for pressuring them when you turn up and find they've made a pig's ear of it.

In the depths of winter I'd rather be driving someone else's car, unless yours is some sort of special purpose vehicle.

shep1001

4,620 posts

220 months

Wednesday 4th February 2015
quotequote all
FordMan1 said:
Seems daft that the insurers authorised repair company can offer below expected service continually and as the "paying customer" you just have to suffer it.
First mistake was allowing the insurance company to choose the repairer. Always better to go with your own choice though experience or personal recommendations from trusted sources

zeduffman

4,327 posts

182 months

Wednesday 4th February 2015
quotequote all
"Authorised repairers" just means the cheapest local place. A decent bodyshop won't do insurance repairs because the insurers want everything done for peanuts. They don't give a rats arse how good or bad they are.

randomeddy

1,632 posts

168 months

Wednesday 4th February 2015
quotequote all
Our car is in for repair at the moment.
I did some research on the insurance companys authorised repairer.I found one bad review and that was it,I kept away.I used a small local place that we have used before.
Dealing with our insurance company has been a joke,different person every time we ring up telling us a different thing.
One of their best ones has been sending us a letter that they should have sent to the other party asking for details of the bump then blaming the delays on not having contact with the other party.(HELLO,FOR THE THIRD fkING TIME YOU SENT THAT LETTER TO US NOT TO THEM,THAT IS THEIR REGISTRATION NUMBER NOT OURS.)
Loads of calls from me to their 0845 number,usually on hold for 10+mins.
I told them I was not paying the excess as it was totally not our fault.I cant wait for renewal time so I can use somebody else.I bet they will be gutted.rolleyeslaugh

turboteeth

354 posts

193 months

Wednesday 4th February 2015
quotequote all
My Mercedes took over a month to fix after a non fault crash and I was originally told it would take 7 days. The garage lied on one occasion and said it would be ready to collect that afternoon, followed by a call to say the parts had not actually even been ordered! When I got the car back the boot leaked, exhaust rattled and they had buggered up the electric boot - the latter has never been rectified and I have given up trying to pursue them!
what's worse is I had Micra 3 door 1 litre as a courtesy car - not great with two kids and a double buggy and so slow compared to my 5.5 V8!! frown