Auxillis - Accident Claims Management - Non Fault Claim

Auxillis - Accident Claims Management - Non Fault Claim

Author
Discussion

Psycho Warren

3,087 posts

112 months

Wednesday 27th January 2021
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Shame. Should go back to how it was before all this stupid claims company rubbish. Last time i claimed was over 20 years ago and was no real hassle from my end and certainly didn't need to sign any credit agreements. Everything was sorted by the insurance company with little hassle for me.

I thought that was why you paid extra premium to have a courtesy car and legal protection etc so you don't get fked by some scummy AMC........


All this ste with them going through YOUR finances is quite frankly rediculous and an unacceptable invasion of privacy IMO.

Smurfsarepeopletoo

863 posts

56 months

Wednesday 27th January 2021
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Psycho Warren said:
Shame. Should go back to how it was before all this stupid claims company rubbish. Last time i claimed was over 20 years ago and was no real hassle from my end and certainly didn't need to sign any credit agreements. Everything was sorted by the insurance company with little hassle for me.

I thought that was why you paid extra premium to have a courtesy car and legal protection etc so you don't get fked by some scummy AMC........


All this ste with them going through YOUR finances is quite frankly rediculous and an unacceptable invasion of privacy IMO.
The problem is, its not as simple as that, because you have people that feel they are entitled to something, or situations where courtesy cars just arent suitable for the person, and they your into the territory of trying to get the TPI to deal with the situation, but if they have not had a report or the TP disputes liability, it gets even more complicated.

I have dealt with people who think that they are entitled to a brand new bmw, because they drive a 15 year old BMW worth like £1500, and then you have people that think their 20 Year old Merc is a "classic" so therefore its worth 5 million quid and w2ont accept anything less.

Insurance unfortunately isnt a 1 size fits al when it comes to insurance and dealing with claims, AMC's do have their uses, unfortunately, there are people who fall foul of either unscrupulous AMC's, arent 100% sure what they are dealing with, but just go with it anyway, or blatantly lie thinking they wont get found out, and then when they do, play the victim.

Chris Jay

243 posts

128 months

Wednesday 27th January 2021
quotequote all
Psycho Warren said:
Shame. Should go back to how it was before all this stupid claims company rubbish. Last time i claimed was over 20 years ago and was no real hassle from my end and certainly didn't need to sign any credit agreements. Everything was sorted by the insurance company with little hassle for me.

I thought that was why you paid extra premium to have a courtesy car and legal protection etc so you don't get fked by some scummy AMC........


All this ste with them going through YOUR finances is quite frankly rediculous and an unacceptable invasion of privacy IMO.
My insurance company want nothing to do with it as the dispute is between the TP & Auxillis. All they will say is just be as helpful as possible to help them recover any monies.

mattshiz

461 posts

140 months

Wednesday 27th January 2021
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Psycho Warren said:
Is there any way to get a courtesty car during a claim without screwing yourself over and being forced to sign an unwanted and unneeded credit agreement?
In my experience I just phone the 3rd party and theyve been happy to sort it out and avoid AMC's.

Both times I've had to they've put me through to enterprise, first time they gave me a mondeo, I asked for something smaller so they gave me a Leon FR instead. Second time they put me in a diesel focus.

Not exactly like for like for an Elise but as I'm not really too bothered as long as I can get to work OK.

Psycho Warren

3,087 posts

112 months

Wednesday 27th January 2021
quotequote all
Smurfsarepeopletoo said:
I have dealt with people who think that they are entitled to a brand new bmw, because they drive a 15 year old BMW worth like £1500, and then you have people that think their 20 Year old Merc is a "classic" so therefore its worth 5 million quid and w2ont accept anything less.
Surely it should be written into your insurance what you get? Ie a like for like based on practicality. You need a large saloon you get a large saloon. Doesnt need to be a fking bentley when in reality a mondeo would do the job on a temporary basis perfectly.

Surely it would be dead easy to write this into the contracts and then the entitled s are basically given a mondeo, like it or lump it. You want better? you pay.

Adrian E

3,248 posts

175 months

Wednesday 27th January 2021
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I had to provide 6 months worth of statements for all accounts, including those in joint names, and credit cards too. Was a LOT of paper! One CC company don't keep their records available online for long enough (HSBC who operate the John Lewis Partnership card accounts) so had to request paper copies, which took weeks to turn up! They also sent me someone else's first......

I was actually commended by the court for the openness I'd demonstrated in sorting them out!

I wasn't thrilled at needing to provide it either, given none of the information was redacted by the solicitors before sharing the pack with the other parties and the court. Basically lazy, but defensible as these are court documents and not public record. Basically they'll all go in the shredding pile as soon as the case it resolved (or after whatever statute requires them to be retained for)

Assuming you also have the insurance cover in case your case is lost, which I think is provided by default, you are obliged to support the legal case for that policy to be valid. So play along and whatever the outcome in court you will not personally be liable for any shortfall from the comedy figure claimed for and what the court determines is correct.

To answer other questions above, the only way really to avoid this is to make your own arrangements for a hire car. My issue with what the TP AMC were offering was I needed a car bigger than our 2nd car (a Golf) for my hobbies. They offered a BMW 1-series. I ended up with a BMW 630iGT which was on a par for boot space to our S5 Sportback, so although not directly comparable it did the job.


Smurfsarepeopletoo

863 posts

56 months

Wednesday 27th January 2021
quotequote all
Psycho Warren said:
Surely it should be written into your insurance what you get? Ie a like for like based on practicality. You need a large saloon you get a large saloon. Doesnt need to be a fking bentley when in reality a mondeo would do the job on a temporary basis perfectly.

Surely it would be dead easy to write this into the contracts and then the entitled s are basically given a mondeo, like it or lump it. You want better? you pay.
That depends what you use the vehicle for, if you have a bentley that you use for work purposes as your a director and you have an image to portray, then rocking up to a client in a mondeo potentially inst going to do your business any favours.

AMC's have set rules that they have to follow that are set out in the ABI GTA, so an AMC can only claim for a vehicle that the person is entitled to, so if your mondeo is trashed, then if they give you a bentley, they can only charge the TPi for a Mondeo.

And chances are that your insurers would then increase your premiums for the pleasure of providing you with a better vehicle, so comes back to why should you be financially impacted because soemeone has damaged your property.

If it was a fault accident, then you can take out Guaranteed Hire Vehicle cover at your own cost when you take out a policy, that gives you a car for 7/14 days.

TwigtheWonderkid

43,248 posts

149 months

Wednesday 27th January 2021
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Chris Jay said:
All they will say is just be as helpful as possible to help them recover any monies.
That's great advice. It's when people don't do that that they end up in trouble. Getting sued themselves for the hire costs by the AMC and then posting on websites how they are being held responsible and never to use an AMC. They are only being held responsible because they didn't stick to the agreement, of helping the AMC recover their money.

Psycho Warren

3,087 posts

112 months

Wednesday 27th January 2021
quotequote all
I still dont see why the AMC trying to get their money from the third party means YOU have to expose all your finances onto the table. Unless they are trying to claim a county court judgement against you personally for the debt.

TwigtheWonderkid

43,248 posts

149 months

Wednesday 27th January 2021
quotequote all
Psycho Warren said:
I still dont see why the AMC trying to get their money from the third party means YOU have to expose all your finances onto the table. Unless they are trying to claim a county court judgement against you personally for the debt.
Because, ultimately, the AMC are not getting the money from the third party, you are. Yes, the AMC are doing the work, but the claim against the tp is in your name. The tp have the right to demand proof that you actually needed credit hire and the law says they can look at your finances to try and show that you didn't. They tp are not trying to get a court judgement against you, but looking to see if they can defend the judgment the AMC will ask you to issue against the tp.

Chris Jay

243 posts

128 months

Friday 5th February 2021
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Just to update the thread, settlement has been reached in my case within a couple of weeks of the solicitors being instructed and the matter is now closed.

There was no need to send financial evidence in my case as I wasn’t disputing paying for the car, but i’m glad it’s all done & dusted!





TwigtheWonderkid

43,248 posts

149 months

Friday 5th February 2021
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Good stuff.

JD82

357 posts

134 months

Monday 26th April 2021
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Wish I'd seen this thread... currently going through the whole rigmarole with a credit hire claim... I blame lack of sleep due to a 6 month old for my poor decision making. As per others, I will just toe the line and look over all the legal docs like a hawk. I'm covered for any un-recovered costs so really it's just a an admin PITA as far as I can see. You live and learn.

shopper150

Original Poster:

1,576 posts

193 months

Thursday 29th April 2021
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It looks like my 'claim' has all gone through smoothly.

Does anyone know if this 'claim' needs to be declared as a previous claim when renewing insurance policies?

mmm-five

11,227 posts

283 months

Thursday 29th April 2021
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shopper150 said:
It looks like my 'claim' has all gone through smoothly.

Does anyone know if this 'claim' needs to be declared as a previous claim when renewing insurance policies?
Yes, as the question is usually worded something like "Have you had any accidents, or made any claims, in the last 5 years".

It will then probably ask what it was for, and the amount of the claim, and whether it was a fault or non-fault claim.

Although if you've already been directed by your insurer to use Auxillis, then I'd assume they already know and will be expecting you to declare it.

Edited by mmm-five on Thursday 29th April 19:12

Jim1064

340 posts

204 months

Thursday 17th June 2021
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Someone ran into the rear of my car yesterday and my insurance put me through to Auxillis. I'm unsure to go ahead with this or not.

This is how the contract starts - it's just a credit agreement!

When Your Vehicle has been damaged in an Accident which is not Your fault this agreement allows You to
delay paying for repairs while the Third Party’s insurer is pursued for payment. You will enter into a repair
contract with a Bodyshop and will be responsible for its charges in the usual way, but We will finance those
charges for You, allowing You credit for a period of up to 49 weeks while We pursue the Third Party on Your
behalf for payment.


Anyway they asked lots of questions about how much I drive, for what purposes etc. When I asked why they needed to know they said "it's for the loan car". I replied that I don't need one because I have other cars. Their response was "oh in that case we wouldn't give you a loan car, because as you don't need it, the TPs insurance might not cover it".

Hmm well why didn't they ask me that question first - do you need a loan car?

Anyway I'm avoiding any loan car cost fiascos, and they seem to offer a credit insurance:

" The repair costs are due to Auxillis after 49 weeks. You benefit from a Group Credit Protection insurance policy Auxillis Services Limited has with AmTrust Europe Limited which protects you either to the extent the repair charges are not recovered from the party at fault or payment of them is due before they are recovered. The credit is provided free of charge. Terms and conditions apply".

Those T&Cs have lots of exclusions which would appear to be highly relevant:

WHAT IS NOT COVERED?
The Insurer shall not be liable to indemnify You or Auxillis in respectof:
Any charges due from You to Auxillis or other costs, expenses or fees that You are liable to pay to Auxillis in
respect of Your Customer Agreement which commenced:
? before the Period of Insurance commenced; or
? after the Period of Insurance ended.
Any Claims where:
? the Third Party cannot be traced or did not hold a valid policy of motor insurance at the time of the
accident which caused damage to Your motor vehicle;
? the Customer or the driver of the Customer’s vehicle were not in possession of both a valid driving
licence and a certificate of motor insurance for that vehicle;
? the Customer’s vehicle did not comply with all construction and use regulations in force or was
being operated without a MOT, all licences or payment of all taxes required by law;
? the Customer’s vehicle was found not to have been roadworthy and the Insurer considers that the
claim against the Third Party has been prejudiced as a result.
Any legal costs, charges, expenses or fees incurred by You or Auxillis on its own account or on Your
account.
Any costs, charges, expenses or fees, including the costs of any legal action, not related to recovering Your
Costs payable under Your Customer Agreement from a Third Party.
Any charges, costs, expenses and fees which at the time they were incurred were insured by or would, but
for the existence of the Policy, be insured by any other insurance policy or policies.
Any loss or damage or expense or liability howsoever occurring unless specifically stated as being insured
under the Policy

Again - should I do this or not?

Edited to add - Auxillis has a Trustpilot rating of 4.7 out over 5000 reviews (which is ecellent), but 9% of customers gave them the lowest possible rating mostly because of loan car issues.


Edited by Jim1064 on Thursday 17th June 20:50

Adrian E

3,248 posts

175 months

Thursday 17th June 2021
quotequote all
If you don’t need a loan car because you have other vehicles available, then really don’t. Not worth the aggro. Similarly if you aren’t ‘impecunious’ in its legal sense (ie you really don’t have access to credit cards with available balance, or perish the thought of money in the bank, then you will eventually end up in a court hearing (as I did) having to explain specific bank transactions and how you manage your household finances over a 6 month-plus period…..

Bennet

2,119 posts

130 months

Thursday 17th June 2021
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Received wisdom is that if there's no question of the other side not being liable, their insurer will be falling over themselves to provide you with a hire car (that won't be on a credit hire agreement.) Might be worth calling them.

Adrian E

3,248 posts

175 months

Thursday 17th June 2021
quotequote all
You’d like to think so, but wasn’t the case for me (I needed a decent sized car to replace mine while it was in for repair and their choice was to offer me a BMW 1-Series which was nowhere near big enough).

IJWS15

1,830 posts

84 months

Friday 18th June 2021
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I was involved in a collision 9/11/18

Received ae email a few days ago saying Auxilis had submitted their costs to the third party insurers . . . .

Since the car was repaired in 2018 and I used the third party insurer's car wonder what took them so long.

Hardly a very efficient company!