Auxillis - Accident Claims Management - Non Fault Claim
Discussion
Ignore the law, you have a duty to protect the third parties costs..
There is NO way I'd be signing a credit agreement for £380 day car.. they should be banned!
Years ago I had someone drive into my car, inform insureres, turn down amc and talk to third party.. they were more than happy to be sensible once I explained what I wanted.. A proper repair and the corsa was fine..
Job jobbed...
There is NO way I'd be signing a credit agreement for £380 day car.. they should be banned!
Years ago I had someone drive into my car, inform insureres, turn down amc and talk to third party.. they were more than happy to be sensible once I explained what I wanted.. A proper repair and the corsa was fine..
Job jobbed...
Durzel said:
It’s more a curiosity than anything. Your opening post talks about being wary of AMCs, and hearing horror stories, and more than one person chimed in with strong negative experiences of this AMC specifically, yet here we are with you having signed a contract (?) to use them, and are now trying (maybe?) to get out of it?
Are you in the habit of signing contracts that you are wary of and are uncertain about being bound by?
More than one person also said it's likely to be fine. There is also the policy that protects me from the costs as long as I've told the truth etc. On balance, it appears as though for most people it's fine to use a AMC for a non fault claim and it seem more than common practice now. My personal opinion is that my insurance company should be offering all the service of a AMC, but it seems not be be the case. Are you in the habit of signing contracts that you are wary of and are uncertain about being bound by?
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 s
t they truly are.
They're incredibly litigious, I've had two legal letters from them via other forums for daring to be uncomplimentary about them. Option being either justify my posts or remove them Auxilis used to be called Helphire. Google the name and you’ll see what a shower of s
t they truly are.WonkeyDonkey said:
It may be fine to use them but I'd feel morally corrupt to be feeding them business.
So lets say you have a family of 6, you drive a 7 seater vehicle, you live month to month so have no money to hire a suitable car yourself that could be for an indeterminate amount of time, the other drivers insurance are disputing liability because the accident was changing lanes on a roundabout, or a head on crash on a narrow country lane.You decide to use your own insurance as you have courtesy car cover, but because of the damage, they suspect your car is going to be written off, so the garage wont supply a courtesy car because no repairs are going to be carried out on your car, so for the next possibly 2 to 3 months, your going to be without a car, you now cant get to work, you cant afford a replacement car, you cant get your kids to school, are you still not going to use an AMC?
Smurfsarepeopletoo said:
So lets say you have a family of 6, you drive a 7 seater vehicle, you live month to month so have no money to hire a suitable car yourself that could be for an indeterminate amount of time, the other drivers insurance are disputing liability because the accident was changing lanes on a roundabout, or a head on crash on a narrow country lane.
You decide to use your own insurance as you have courtesy car cover, but because of the damage, they suspect your car is going to be written off, so the garage wont supply a courtesy car because no repairs are going to be carried out on your car, so for the next possibly 2 to 3 months, your going to be without a car, you now cant get to work, you cant afford a replacement car, you cant get your kids to school, are you still not going to use an AMC?
If I'm living month to month is it really wise to sign up to a credit agreement that makes me liable to pay the extortionate rates these companies charge if they can't reclaim the money?You decide to use your own insurance as you have courtesy car cover, but because of the damage, they suspect your car is going to be written off, so the garage wont supply a courtesy car because no repairs are going to be carried out on your car, so for the next possibly 2 to 3 months, your going to be without a car, you now cant get to work, you cant afford a replacement car, you cant get your kids to school, are you still not going to use an AMC?
If you're not at fault speak to the third party, in my experience they are more than happy to provide you with a car to avoid these parasites.
For example, when I last got crashed into. I spoke to the third party and they sorted me out a Ford Focus from Enterprise for £17 per day.
Also, if you have courtesy car cover then it's not the garage that sorts out a car, it's the insurer.
Probably be cheaper to charter a proper coach every time you and imaginary 11billionity kids want to go anywhere than have a dacia duster through an AMC.
Edited by WonkeyDonkey on Wednesday 9th September 07:24
If you use your own policy because you have courtesy car cover then you don't need your car to go to a garage. You'll be given a car for 14 days or however long it takes to send you a cheque. There's no reason for it to take 2 to 3 months.
There are alternatives to AMCs too. If you had a clear cut case or liability had already been accepted then, contrary to what was said above, Enterprise would arrange a car for you and claim it back from the third party. To be fair though, you'd still need to pay for it until the claim was agreed.
There are alternatives to AMCs too. If you had a clear cut case or liability had already been accepted then, contrary to what was said above, Enterprise would arrange a car for you and claim it back from the third party. To be fair though, you'd still need to pay for it until the claim was agreed.
WonkeyDonkey said:
If you're not at fault speak to the third party, in my experience they are more than happy to provide you with a car to avoid these parasites.
In my experience, that varies hugely. My wife was involved in two non-fault accidents in the space of a couple of months last year, both times caused by blind little old ladies who shouldn't have been driving.The first lady was insured with Aviva, whom I contacted directly. They were chuffed that I'd gone straight to them and bent over backwards to help - a hire car was immediately dispatched, physio was arranged for my wife and a good settlement agreed for my car. Within about two weeks the cheque was paid in and the whole matter resolved, with an ongoing physio arrangement for my wife.
Barely two months after getting the car repaired, she was rear-ended by another miserable old lady. This lady was insured with the Co-op who are brokers, which meant we ended up dealing with another company who I shan't name and shame. This company were an utter shower of b
ds. They were aggressive, patronising and insulting on the phone, no hire car or physio was offered and an incredibly low offer was made on the car. When I threatened to use an AMC, their response was 'you're well within your rights to do that'. So I did.I contacted Auxillis, through Admiral, who quickly dispatched a hire car, arranged further physio for my wife (the second crash had fractured two of her ribs, and exacerbated her injuries from the first crash) and arranged a settlement for my car, now a Cat B write-off. The hire car costs were substantially higher than with Aviva, but the insurance company hugely increased their costs by refusing to talk to Admiral for about a fortnight.
So no, not all insurance companies are the same. Most importantly, using an AMC meant my wife got the physio she needed and I got a car I needed until we could purchase a replacement. Without an AMC, I would have had to pay for both of these upfront and hope to reclaim the costs. Auxillis were straightforward and professional throughout.
Should something like that happen again, I'd contact the at-fault insurer first, but if they didn't play ball I wouldn't hesitate to revert to an AMC to ensure an appropriate outcome.
WonkeyDonkey said:
If I'm living month to month is it really wise to sign up to a credit agreement that makes me liable to pay the extortionate rates these companies charge if they can't reclaim the money?
But that's not true. That's not what these agreements say. That's what people on PH say they say, but it isn't the case. The punter is only liable for the costs the AMC can't recover, in very specific circumstances, that would be entirely the fault of the punter. Usually restricted to the punter refusing to cooperate with the AMC in their attempts to recover their outlay from the tp, refusing to sign court papers or refusing to attend court. If you cooperate with your AMC, and help them with their recovery process, then even if they lose and can't recover, you will not be liable. The AMC will either take the hit themselves, or have an insurance policy to cover them (usually with a very high excess that's down to them.) One of the reasons their daily hire costs are higher is because of these overheads they have to build in to their buisiness model.
NDNDNDND said:
In my experience, that varies hugely. My wife was involved in two non-fault accidents in the space of a couple of months last year, both times caused by blind little old ladies who shouldn't have been driving.
The first lady was insured with Aviva, whom I contacted directly. They were chuffed that I'd gone straight to them and bent over backwards to help - a hire car was immediately dispatched, physio was arranged for my wife and a good settlement agreed for my car. Within about two weeks the cheque was paid in and the whole matter resolved, with an ongoing physio arrangement for my wife.
Barely two months after getting the car repaired, she was rear-ended by another miserable old lady. This lady was insured with the Co-op who are brokers, which meant we ended up dealing with another company who I shan't name and shame. This company were an utter shower of bds. They were aggressive, patronising and insulting on the phone, no hire car or physio was offered and an incredibly low offer was made on the car. When I threatened to use an AMC, their response was 'you're well within your rights to do that'. So I did.
I contacted Auxillis, through Admiral, who quickly dispatched a hire car, arranged further physio for my wife (the second crash had fractured two of her ribs, and exacerbated her injuries from the first crash) and arranged a settlement for my car, now a Cat B write-off. The hire car costs were substantially higher than with Aviva, but the insurance company hugely increased their costs by refusing to talk to Admiral for about a fortnight.
So no, not all insurance companies are the same. Most importantly, using an AMC meant my wife got the physio she needed and I got a car I needed until we could purchase a replacement. Without an AMC, I would have had to pay for both of these upfront and hope to reclaim the costs. Auxillis were straightforward and professional throughout.
Should something like that happen again, I'd contact the at-fault insurer first, but if they didn't play ball I wouldn't hesitate to revert to an AMC to ensure an appropriate outcome.
^^^^^THIS.The first lady was insured with Aviva, whom I contacted directly. They were chuffed that I'd gone straight to them and bent over backwards to help - a hire car was immediately dispatched, physio was arranged for my wife and a good settlement agreed for my car. Within about two weeks the cheque was paid in and the whole matter resolved, with an ongoing physio arrangement for my wife.
Barely two months after getting the car repaired, she was rear-ended by another miserable old lady. This lady was insured with the Co-op who are brokers, which meant we ended up dealing with another company who I shan't name and shame. This company were an utter shower of b
ds. They were aggressive, patronising and insulting on the phone, no hire car or physio was offered and an incredibly low offer was made on the car. When I threatened to use an AMC, their response was 'you're well within your rights to do that'. So I did.I contacted Auxillis, through Admiral, who quickly dispatched a hire car, arranged further physio for my wife (the second crash had fractured two of her ribs, and exacerbated her injuries from the first crash) and arranged a settlement for my car, now a Cat B write-off. The hire car costs were substantially higher than with Aviva, but the insurance company hugely increased their costs by refusing to talk to Admiral for about a fortnight.
So no, not all insurance companies are the same. Most importantly, using an AMC meant my wife got the physio she needed and I got a car I needed until we could purchase a replacement. Without an AMC, I would have had to pay for both of these upfront and hope to reclaim the costs. Auxillis were straightforward and professional throughout.
Should something like that happen again, I'd contact the at-fault insurer first, but if they didn't play ball I wouldn't hesitate to revert to an AMC to ensure an appropriate outcome.
This is exactly why there is a space in the market for AMCs. And AMCs are just like any other business, there are good ones and bad ones. And to add to the confusion, sometimes the good ones can be useless, and sometimes the bad ones can be excellent, again, just like any other business,
I'm glad I saw this thread, Auxillis (forwarded to me by my insurance company) provided me with a hire car whilst my own car was being repaired due to a bump (non fault claim).
I've just had a letter this morning stating that the third party (the AA) have not settled the outstanding amount and they will be seeking legal action through the courts to recover the monies should no agreement be reached.
I'm not sure how this one is going to pan out, the hire was for just over a week.
I've just had a letter this morning stating that the third party (the AA) have not settled the outstanding amount and they will be seeking legal action through the courts to recover the monies should no agreement be reached.
I'm not sure how this one is going to pan out, the hire was for just over a week.
Chris Jay said:
I'm glad I saw this thread, Auxillis (forwarded to me by my insurance company) provided me with a hire car whilst my own car was being repaired due to a bump (non fault claim).
I've just had a letter this morning stating that the third party (the AA) have not settled the outstanding amount and they will be seeking legal action through the courts to recover the monies should no agreement be reached.
I'm not sure how this one is going to pan out, the hire was for just over a week.
Just cooperate with them in their attempts to get their money back and you'll be fine. Even if Auxillis lose the case. I've just had a letter this morning stating that the third party (the AA) have not settled the outstanding amount and they will be seeking legal action through the courts to recover the monies should no agreement be reached.
I'm not sure how this one is going to pan out, the hire was for just over a week.
WonkeyDonkey said:
If I'm living month to month is it really wise to sign up to a credit agreement that makes me liable to pay the extortionate rates these companies charge if they can't reclaim the money?
If you're not at fault speak to the third party, in my experience they are more than happy to provide you with a car to avoid these parasites.
For example, when I last got crashed into. I spoke to the third party and they sorted me out a Ford Focus from Enterprise for £17 per day.
Also, if you have courtesy car cover then it's not the garage that sorts out a car, it's the insurer.
Probably be cheaper to charter a proper coach every time you and imaginary 11billionity kids want to go anywhere than have a dacia duster through an AMC.
But your looking at this as a very simplistic view, what if the TP doesnt report the accident to the TPI, what if they dispute liability, you then need to use your own insurance company, pay your excess which may be £1000, and then dependant on your insurers, if your car is a total loss, your then liable to pay the remainder of your policy before they will pay you out, which then dependant on the value of your car means you get nothing.If you're not at fault speak to the third party, in my experience they are more than happy to provide you with a car to avoid these parasites.
For example, when I last got crashed into. I spoke to the third party and they sorted me out a Ford Focus from Enterprise for £17 per day.
Also, if you have courtesy car cover then it's not the garage that sorts out a car, it's the insurer.
Probably be cheaper to charter a proper coach every time you and imaginary 11billionity kids want to go anywhere than have a dacia duster through an AMC.
Edited by WonkeyDonkey on Wednesday 9th September 07:24
Chucklehead said:
If you use your own policy because you have courtesy car cover then you don't need your car to go to a garage. You'll be given a car for 14 days or however long it takes to send you a cheque. There's no reason for it to take 2 to 3 months.
There are alternatives to AMCs too. If you had a clear cut case or liability had already been accepted then, contrary to what was said above, Enterprise would arrange a car for you and claim it back from the third party. To be fair though, you'd still need to pay for it until the claim was agreed.
And a courtesy car is provided on the basis that your car is being repaired, and usually supplied by the repairing garage, if your car isnt repairable, then your not entitled to a courtesy cat,There are alternatives to AMCs too. If you had a clear cut case or liability had already been accepted then, contrary to what was said above, Enterprise would arrange a car for you and claim it back from the third party. To be fair though, you'd still need to pay for it until the claim was agreed.
You can opt for hire car cover that will cover you for 7/14/21 days, but may not cover you for long enough that your not without a car for a period of time.
And im guessing your not aware that Enterprise are an AMC themselves, so you can go to them for a hire car if it appears to be non fault, and they will give you a car free of charge, and then they will charge the TPI the ABI rates so £380 a day in this case to put you in a hire car.
But what they will also do, is charge you extras so you are not liable for the cost of damage to the hire vehicle, and regadless of the amount of damage to the car, they will charge you the £1000 xs if you dont pay the £10 daily cdw.
If its a straightforward non fault accident, and the TP has reported it to their insurers, and they offer services, then use them and save the costs.
For anything else, thats where an AMC comes in.
TPI's not settling hire car and other expenses happened to me a few years ago (AMC not involved).
Non fault accident on a bank holiday weekend (sun)
Car (XC90) taken away, declared write off at road side.
IC (Tesco) can't supply car until Tuesday due to BH.
I'm left with no car. We are family of 5 200 miles from home attending family wedding.
Accident was between registry office and reception.
Got lift to reception. had a great time, taxi back to hotel, next morning rang around for hire car.
Got one at Gatwick, taxi to Gatwick for 5 (£60)
One way hire (Evoque, only car they had that would fit us all in) for 2 days £125/day
IC then supplied a like for like SUV for 1 week.
Claim all settled I thought with decent offer.
2 weeks later Tesco contacted me saying TPI are disputing expenses ie. Evoque hire plus taxi from hotel to Gatwick plus other small costs.
Tescos were excellent and called their bluff when they threatened court action.
They folded day before hearing and paid in full.
Non fault accident on a bank holiday weekend (sun)
Car (XC90) taken away, declared write off at road side.
IC (Tesco) can't supply car until Tuesday due to BH.
I'm left with no car. We are family of 5 200 miles from home attending family wedding.
Accident was between registry office and reception.
Got lift to reception. had a great time, taxi back to hotel, next morning rang around for hire car.
Got one at Gatwick, taxi to Gatwick for 5 (£60)
One way hire (Evoque, only car they had that would fit us all in) for 2 days £125/day
IC then supplied a like for like SUV for 1 week.
Claim all settled I thought with decent offer.
2 weeks later Tesco contacted me saying TPI are disputing expenses ie. Evoque hire plus taxi from hotel to Gatwick plus other small costs.
Tescos were excellent and called their bluff when they threatened court action.
They folded day before hearing and paid in full.
Smurfsarepeopletoo said:
And im guessing your not aware that Enterprise are an AMC themselves, so you can go to them for a hire car if it appears to be non fault, and they will give you a car free of charge, and then they will charge the TPI the ABI rates so £380 a day in this case to put you in a hire car.
Uhm, i am. That's why i said as much in my post above yours, though they aren't a true AMC. Having your car repaired is not a prerequisite to getting a courtesy car, and £380/day car hire rates would be for something like a Bentley, Panamera or a 911 - not what is being discussed here.Chucklehead said:
Uhm, i am. That's why i said as much in my post above yours, though they aren't a true AMC. Having your car repaired is not a prerequisite to getting a courtesy car, and £380/day car hire rates would be for something like a Bentley, Panamera or a 911 - not what is being discussed here.
The OP's car has a daily rate of £380 per day, but regardless of the car, if enterprise supplied you with a hire vehicle FOC that they will be claiming back from the TPI, the wont be charging them the daily rate that they would charge you, they would be charging them the ABI rates which is what everyone in here is complaining about, as it will be a Credit Hire Vehicle.So not only would they be charging them those rates, they would also charge you the CDW, and any other extras that they can get away with, you would then be paying your insurers your XS if liability is not admitted straight away.
So as the issue here is what AMC's charge, then you wouldnt be using Enterprise for a car unless your paying for it yourself up front and claiming the costs back.
TwigtheWonderkid said:
Chris Jay said:
I'm glad I saw this thread, Auxillis (forwarded to me by my insurance company) provided me with a hire car whilst my own car was being repaired due to a bump (non fault claim).
I've just had a letter this morning stating that the third party (the AA) have not settled the outstanding amount and they will be seeking legal action through the courts to recover the monies should no agreement be reached.
I'm not sure how this one is going to pan out, the hire was for just over a week.
Just cooperate with them in their attempts to get their money back and you'll be fine. Even if Auxillis lose the case. I've just had a letter this morning stating that the third party (the AA) have not settled the outstanding amount and they will be seeking legal action through the courts to recover the monies should no agreement be reached.
I'm not sure how this one is going to pan out, the hire was for just over a week.
Mine was 'fun' at the outset as was hit by a commercial vehicle whose operator themselves uses an AMC to manage claims. We were offered a BMW 1-series as a loan car, which was far too small for what we needed, so went through my own insurers AMC as a result.
It's hassle, but no way was I coughing up for a hire car from limited cash reserves, with no idea how quickly that money would be back in my account.
Chris Jay said:
I'm glad I saw this thread, Auxillis (forwarded to me by my insurance company) provided me with a hire car whilst my own car was being repaired due to a bump (non fault claim).
I've just had a letter this morning stating that the third party (the AA) have not settled the outstanding amount and they will be seeking legal action through the courts to recover the monies should no agreement be reached.
I'm not sure how this one is going to pan out, the hire was for just over a week.
Did Auxillis not provide an insurance policy to cover you in the event that the third party insurer didn't settle?I've just had a letter this morning stating that the third party (the AA) have not settled the outstanding amount and they will be seeking legal action through the courts to recover the monies should no agreement be reached.
I'm not sure how this one is going to pan out, the hire was for just over a week.
Smurfsarepeopletoo said:
Chucklehead said:
Uhm, i am. That's why i said as much in my post above yours, though they aren't a true AMC. Having your car repaired is not a prerequisite to getting a courtesy car, and £380/day car hire rates would be for something like a Bentley, Panamera or a 911 - not what is being discussed here.
The OP's car has a daily rate of £380 per day, but regardless of the car, if enterprise supplied you with a hire vehicle FOC that they will be claiming back from the TPI, the wont be charging them the daily rate that they would charge you, they would be charging them the ABI rates which is what everyone in here is complaining about, as it will be a Credit Hire Vehicle.So not only would they be charging them those rates, they would also charge you the CDW, and any other extras that they can get away with, you would then be paying your insurers your XS if liability is not admitted straight away.
So as the issue here is what AMC's charge, then you wouldnt be using Enterprise for a car unless your paying for it yourself up front and claiming the costs back.
I digress. My point is that the £380 rates that the OP is talking about is NOT the approved rate for a Macan. A Macan (if justified and required) is between £138/day for the 2 litre up to £244 for the turbo.
cs174 said:
Chris Jay said:
I'm glad I saw this thread, Auxillis (forwarded to me by my insurance company) provided me with a hire car whilst my own car was being repaired due to a bump (non fault claim).
I've just had a letter this morning stating that the third party (the AA) have not settled the outstanding amount and they will be seeking legal action through the courts to recover the monies should no agreement be reached.
I'm not sure how this one is going to pan out, the hire was for just over a week.
Did Auxillis not provide an insurance policy to cover you in the event that the third party insurer didn't settle?I've just had a letter this morning stating that the third party (the AA) have not settled the outstanding amount and they will be seeking legal action through the courts to recover the monies should no agreement be reached.
I'm not sure how this one is going to pan out, the hire was for just over a week.
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