Auxillis - Accident Claims Management - Non Fault Claim
Discussion
waynedear said:
Diving in, my car was legally and safely parked outside my house, a lady accidentally reversed into it, she admitted it was her fault. I said give me £300 and I'd get it sorted.
No, she wants her insurers AXA to deal with it, fair enough, I informed my insurance as needed.
Accident management FMG got in touch, took the details, I sent pictures for their assessment.
Received a call saying it was authorised... But first I had to take my car to them, leave it with them where they strip it and would assess again, all at my expense, no offer of collecting and leaving a car with me to use, I said no.
Told AXA I did not want to have them involved and I wanted £550 to deal with it myself, £300 repair and a week's hire car.
They got all the details......... and passed it to FMG, turns out it is authorised by them, they will not pay anything to me so my mate can not do the job, he is not registered, it's a hobby for him.
They also pay only after 60 days.
Thought my offer would have been jumped on, AXA would save plenty.
Not sure what to do next... Maybe just get my insurance to chase them.
I did ask one recommended paint shop to quote, they will have nothing to do with FMG as they have waited up to 90 days for payment.
You might have the best of intentions but taking a negative read of the above it could be seen as you and your mate seizing on an opportunity to get a bit of cash. Insurance companies will want to use companies they have approved, or can validate as being legitimate, even if the work that is done there is crap and worse quality than your mate might do.No, she wants her insurers AXA to deal with it, fair enough, I informed my insurance as needed.
Accident management FMG got in touch, took the details, I sent pictures for their assessment.
Received a call saying it was authorised... But first I had to take my car to them, leave it with them where they strip it and would assess again, all at my expense, no offer of collecting and leaving a car with me to use, I said no.
Told AXA I did not want to have them involved and I wanted £550 to deal with it myself, £300 repair and a week's hire car.
They got all the details......... and passed it to FMG, turns out it is authorised by them, they will not pay anything to me so my mate can not do the job, he is not registered, it's a hobby for him.
They also pay only after 60 days.
Thought my offer would have been jumped on, AXA would save plenty.
Not sure what to do next... Maybe just get my insurance to chase them.
I did ask one recommended paint shop to quote, they will have nothing to do with FMG as they have waited up to 90 days for payment.
All you can really do is just get it fixed by whoever they want, or an actual business, and forget about using your hobbyist mate to get it fixed.
The above said - it seems nuts to me that AXA punted you straight on to an accident management company. What exactly do they do themselves besides taking your premium every year?
Durzel said:
The above said - it seems nuts to me that AXA punted you straight on to an accident management company. What exactly do they do themselves besides taking your premium every year?
This is what Admiral did with my claim. They did the initial info gathering and then once they established the other party was at fault and they could get their money back said off you go to the accident management co.RB Will said:
Durzel said:
The above said - it seems nuts to me that AXA punted you straight on to an accident management company. What exactly do they do themselves besides taking your premium every year?
This is what Admiral did with my claim. They did the initial info gathering and then once they established the other party was at fault and they could get their money back said off you go to the accident management co.I am being pestered with phone calls from what sounds like an AMC but purport to be the third party’s insurer Saga.
They have offered my £500 immediately for the inconvenience, a replacement vehicle at no cost to me. They says their customer accepts full liability for the accident.
My car has a triple layer paint finish so I am asking for the car to be repaired by only one of 2 authorised repairers for my marque.
They’re insured reversed into my door while my car was parked and we have the cctv of this happening.
Here’s what I have been sent so far. Can anyone tell me if there is a potential catch?
We write with reference to the above incident.
We would like to offer you the benefit of our Approved Repair Scheme to repair any damage caused to your vehicle by this collision and a FREE replacement vehicle for the duration of your repairs. Our Approved Repair Scheme offers the following benefits:
A FREE replacement vehicle
No excess to pay
5-year repair guarantee
No effect to your No Claims Discount
No paperwork to complete
If your vehicle has been damaged and you think that the accident was the fault of our customer, we ask you to call our free-phone number: 0800 015 5857. We shall then quickly assess liability and tell you whether we can offer you the benefit of our service.
Even if you would not want to call on us to repair your vehicle (e.g. because your own insurer is helping you or your vehicle is a write-off), we could still provide you with a free replacement vehicle while you are without the use of your vehicle (subject to assessment of liability). We would provide the free replacement vehicle quickly and deliver it at your convenience.
Please note the benefits of using our replacement vehicle service.
The vehicle would be provided at no cost to you, and you would not have any liability for the costs (apart from those arising from your own use, such as petrol/diesel, speeding/parking fines, etc).
The replacement vehicle would be comparable to your own vehicle in terms of specification and engine size.
The vehicle would be covered by full comprehensive insurance.
All replacement vehicles we provide are under 2 years old.
There would be no mileage limit to your use of the vehicle.
Additional extras would be available on request (estate vehicle, automatic transmission, etc).
If you require further details about any of these benefits, or about any aspect of our service, please telephone us.
You may well wish to seek advice on the contents of this letter from your advisers, such as: your insurers, any solicitors who may be acting for you, any accident management company, or any credit hire company which may have offered to provide you with a vehicle.
The cost to us (Saga Claims) of providing a free replacement vehicle to you can be found on a table appended to this letter. We should stress that you will not have to pay us anything.
Even if you have already been provided with a replacement vehicle from another source, you are still invited to contact us to use our service. After accidents, many people receive replacement vehicles from credit hire companies.
Although many believe that the vehicles they are receiving are free to them, they have to sign agreements under which they are liable to pay hire charges personally if the charges are not recovered within a set period of time. Such charges are commonly much higher than the rates of ordinary hire companies to hire a vehicle.
We would like to emphasise that our offer of a replacement vehicle would be entirely without cost to you. The cost to us would be considerably lower than that of a vehicle provided by a credit hire company.
If you decide not to use our service, and a credit hire company later tries to claim against us the cost of supplying a vehicle to you, that claim might be contested in court on the basis that you should have used our service. You might then have to give evidence in court to explain your decision.
Even if you have already received a replacement vehicle from another source, we would still ask you to call us on our free phone number: 0800 015 5857. If you are using a vehicle from a credit hire company, we will probably be able to replace it with a vehicle which is genuinely free to you and at no inconvenience to you.
If you wish to discuss our service, or any part of this letter, please call our free phone number: 0800 015 5857.
Please also let us know if you have suffered an injury as a result of the incident. We are confident that we would be able to offer a swift and hassle-free claims solution.
If you would like to know more, then please call us; it would be a pleasure to start the claims process for you and answer any questions you may have.
We look forward to hearing from you at your earliest convenience.
Yours sincerely,
Grace Hannon-Rignall
To prevent fraud, details may be exchanged with fraud prevention and financial agencies together with other Insurers. Please make sure that any information provided to us is accurate as making a false claim is an offence under the Fraud Act 2006 and will lead to prosecution.
For all correspondence, please write to us at Saga Claims, PO Box 251, Seaham DO, SR7 1BJ
Cost to Saga Claims of Providing Replacement Vehicles
This table shows the daily rate paid by Saga Claims to source a replacement vehicle, as your advisers may be interested to know. We should stress that the vehicle will be free to you, and you will not be required to pay anything. For purposes of comparison, the table also shows the daily rate, which Saga Claims would have to pay to settle a claim for the use of a credit hire vehicle under the ABI GTA.
Vehicle Category
Example Vehicle & Engine Size
Saga Claims Rate Per Day (Excl. VAT)
Credit Rate Per Day (Excl. VAT)
Standard Vehicle Examples
S1
Nissan Micra (1.0), Fiat 500
£13.11
£35.51
S2
VW Polo (1.2)
£14.38
£40.26
S3
Vauxhall Astra (1.4)
£15.10
£42.94
S4
Peugeot 307 (1.6) , Ford Focus (1.6)
£16.14
£46.04
S5
Peugeot 407 (1.8), VW Golf (1.6)
£16.63
£48.71
S6
Vauxhall Insignia (2.0), Skoda Octavia (2.0)
£17.49
£51.90
S7
VW Passat (2.0)
£18.01
£72.77
Multiple Purpose Vehicle Examples
M
Citroen Berlingo (1.4)
£20.99
£56.73
M1
Peugeot 3008 (1.6), Ford C-Max (1.8)
£21.14
£65.56
M2
Peugeot 5008 (1.6), Citroen Picasso (2.0)
£22.19
£74.76
M3
Ford Galaxy (1.9), VW Touran (2.0)
£27.10
£87.87
M4
Ford Galaxy (2.3), Mercedes Viano (2.0)
£27.48
£103.70
M5
Mercedes Viano (2.2)
£52.56
£155.54
M6
Mercedes Viano (3.5)
£53.18
£197.02
4 X 4 Vehicle Examples
F1
Skoda Yeti (2.0), Nissan X-Trail (2.0)
£25.98
£104.91
F2
Mitsubishi Shogun (2.5), Toyota RAV 4 (2.2)
£26.47
£104.57
F3
BMW X3 (2.0), Range Rover Evoque (2.2)
£38.77
£121.16
F4
Audi Q5 (2.0), BMW X3 (2.5)
£46.73
£148.64
F5
BMW X5 (3.0), VW Touareg (3.0)
£65.11
£185.89
F6
Mercedes ML350 (3.5), Volvo XC90 (2.9)
£66.24
£209.14
F7
Porshe Cayenne S (4.5), Mercedes ML500 (5.0)
£73.90
£243.99
F8
Range Rover V8 (4.4)
£88.24
£261.42
F9
Porsche Cayenne Turbo (4.5)
£112.58
£319.51
Prestige Vehicle Examples
P1
Audi A3 (1.6)
£27.98
£81.33
P2
Audi A3 (1.8), Volvo C30 (1.6)
£28.15
£97.43
P3
Mercedes C180 (1.8)
£29.07
£103.66
P4
BMW 320 (2.0), Audi A4 (2.0)
£30.01
£126.14
P5
Audi A6 (2.0), Jaguar XF (2.2)
£47.75
£146.40
P6
BMW 525 M Sport (2.5), Mercedes E280 (2.8)
£49.49
£165.58
P7
BMW 530 (3.0), Mercedes E350 (3.5)
£69.99
£193.15
P8
BMW 730 (3.0), Audi A8 (3.0)
£70.13
£220.73
P9
Mercedes S350 (3.5), Jaguar XJ (5.0)
£90.05
£253.86
P10
BMW 750 (5.0), Mercedes S500 (5.0)
£92.19
£312.37
P11
Bentley Continental (6.0)
£190.00
£438.74
P12
Bentley Flying Spur (6.0)
£235.00
£656.74
Sports Vehicle Examples
SP1
Mini Cooper (1.6)
£27.99
£84.16
SP2
Mini Cooper S (1.6), VW Polo GTI (1.8)
£28.79
£91.50
SP3
BMW 118 Coupe (1.8)
£35.50
£109.91
SP4
Mercedes CLC (1.8), Honda Civic Type R (2.0)
£42.75
£125.49
SP5
Audi TT (1.8)
£43.89
£137.10
SP6
Mercedes E250 Sports (2.5), BMW Z4 (2.5)
£61.08
£182.12
SP7
Mercedes CLK280 (2.8), Porshe Boxter (2.7)
£70.64
£204.20
SP8
Mercedes SLK350 (3.5)
£81.00
£226.28
SP9
Jaguar F Type (3.0), BMW M3 (3.2)
£90.95
£248.35
SP10
BMW 650 (5.0), Maserati Coupe (4.2)
£180.00
£284.21
SP11
Porsche 911 Carrera S (3.8)
£230.00
£342.16
SP12
Aston Martin DB9 (6.0)
£300.00
£449.80
SP13
Ferrari F430/360
£420.00
£656.74
Dual Control Examples
DC1
Ford Fiesta
£30.25
£52.26
DC2
Ford Focus
£30.25
£58.04
DC3
Audi A1
£35.25
£93.33
DC4
BMW 1 Series
£57.00
£109.43
DC5
BMW X1
£57.00
£133.16
Taxi Examples
PT9
Mercedes E200
£116.00
£238.16
PT13
BMW 7 series
£151.00
£339.40
T4
Ford Mondeo (1.8)
£56.00
£118.67
T6
London Hackney Cab
£65.00
£109.56
T8
Hackney Carriage License (Ford Mondeo)
£61.00
£121.46
Pickup Examples
CP1
Toyota Hilux
£36.36
£58.38
CP2
Ford Ranger Double Cab
£40.72
£66.23
CP3
Land Rover Defender
£45.00
£75.41
Panel Van Examples
PV1
Citroen Belingo (1.4)
£15.48
£42.90
PV2
Ford Transit SWB (2.0)
£17.38
£49.79
PV3
Vauxhall Vivaro LWB (2.0)
£18.76
£49.79
PV4
Fiat Ducato LWB (2.3)
£19.09
£55.22
PV5
Mercedes Sprinter MWB (2.2)
£19.59
£58.00
PV6
Mercedes Sprinter LWB (2.6)
£20.09
£60.79
Commercial Vehicle Examples
CV1
Iveco Daily Luton with tail lift
£21.07
£62.06
CV2
Ford Transit 1 way tipper
£40.00
£63.67
CV3
Ford Transit 3 way tipper
£40.00
£66.94
CV4
Iveco 7.5 tonne tilt and slide
£40.00
£95.36
Motor Bike Examples
B1
0cc-50cc
£18.92
£38.11
B2
51cc-125cc
£25.42
£44.52
B3
126cc - 500cc
£27.92
£62.77
B4
501cc-650cc
£30.92
£75.59
B5
651cc-1000cc
£34.92
£88.33
B6
1001cc+
£36.92
£89.67
Saga Claims will handle your claim on behalf of your insurer, Acromas Insurance Company Limited. Saga Claims is a trading name of CHMC Limited, which is a limited company incorporated in England and Wales with registered Office: 3 Pancras Square, London, N1C 4AG; company number 6897074. VAT registration number 201 4215 34.
Acromas Insurance Company is incorporated in Gibraltar (Number 88716) with its registered office situated at 57-63 Line Wall Road, Gibraltar. The Company is licensed to conduct insurance business under the Financial Services (Insurance Companies) Act and authorised by the Financial Services Commission, Gibraltar.
The opinions expressed in this e-mail are those of the individual and not necessarily the company. This e-mail and attachment[s] are confidential to the sender and are solely for use by the intended recipient.
Saga Services Limited: Company Registration No. 732602
Saga Publishing Limited: Company Registration No. 2152564
The above companies are wholly owned subsidiaries of Saga Group Limited.
Saga Holidays is a trading name of ST&H Ltd: Company Registration No. 2174052
Saga Personal Finance is a registered trading name of Saga Personal Finance Limited: Company Registration No. 3023493
Saga Group Limited: Company Registration No. 638891
All companies registered at: 3 Pancras Square, London, N1C 4AG
Saga Services Limited is authorised and regulated by the Financial Conduct Authority. Firm Registration Number: 311557
Saga Personal Financial Services Limited is authorised and regulated by the Financial Conduct Authority. Firm Registration Number: 178922
ST&H Ltd is an appointed representative of Saga Services Limited which is authorised and regulated by the Financial Conduct Authority. Firm Registration Number: 455489
Acromas Insurance Company Limited is authorised by the Financial Services Commission, Gibraltar. (FCA Firm Registration Number: 228704)
They have offered my £500 immediately for the inconvenience, a replacement vehicle at no cost to me. They says their customer accepts full liability for the accident.
My car has a triple layer paint finish so I am asking for the car to be repaired by only one of 2 authorised repairers for my marque.
They’re insured reversed into my door while my car was parked and we have the cctv of this happening.
Here’s what I have been sent so far. Can anyone tell me if there is a potential catch?
We write with reference to the above incident.
We would like to offer you the benefit of our Approved Repair Scheme to repair any damage caused to your vehicle by this collision and a FREE replacement vehicle for the duration of your repairs. Our Approved Repair Scheme offers the following benefits:
A FREE replacement vehicle
No excess to pay
5-year repair guarantee
No effect to your No Claims Discount
No paperwork to complete
If your vehicle has been damaged and you think that the accident was the fault of our customer, we ask you to call our free-phone number: 0800 015 5857. We shall then quickly assess liability and tell you whether we can offer you the benefit of our service.
Even if you would not want to call on us to repair your vehicle (e.g. because your own insurer is helping you or your vehicle is a write-off), we could still provide you with a free replacement vehicle while you are without the use of your vehicle (subject to assessment of liability). We would provide the free replacement vehicle quickly and deliver it at your convenience.
Please note the benefits of using our replacement vehicle service.
The vehicle would be provided at no cost to you, and you would not have any liability for the costs (apart from those arising from your own use, such as petrol/diesel, speeding/parking fines, etc).
The replacement vehicle would be comparable to your own vehicle in terms of specification and engine size.
The vehicle would be covered by full comprehensive insurance.
All replacement vehicles we provide are under 2 years old.
There would be no mileage limit to your use of the vehicle.
Additional extras would be available on request (estate vehicle, automatic transmission, etc).
If you require further details about any of these benefits, or about any aspect of our service, please telephone us.
You may well wish to seek advice on the contents of this letter from your advisers, such as: your insurers, any solicitors who may be acting for you, any accident management company, or any credit hire company which may have offered to provide you with a vehicle.
The cost to us (Saga Claims) of providing a free replacement vehicle to you can be found on a table appended to this letter. We should stress that you will not have to pay us anything.
Even if you have already been provided with a replacement vehicle from another source, you are still invited to contact us to use our service. After accidents, many people receive replacement vehicles from credit hire companies.
Although many believe that the vehicles they are receiving are free to them, they have to sign agreements under which they are liable to pay hire charges personally if the charges are not recovered within a set period of time. Such charges are commonly much higher than the rates of ordinary hire companies to hire a vehicle.
We would like to emphasise that our offer of a replacement vehicle would be entirely without cost to you. The cost to us would be considerably lower than that of a vehicle provided by a credit hire company.
If you decide not to use our service, and a credit hire company later tries to claim against us the cost of supplying a vehicle to you, that claim might be contested in court on the basis that you should have used our service. You might then have to give evidence in court to explain your decision.
Even if you have already received a replacement vehicle from another source, we would still ask you to call us on our free phone number: 0800 015 5857. If you are using a vehicle from a credit hire company, we will probably be able to replace it with a vehicle which is genuinely free to you and at no inconvenience to you.
If you wish to discuss our service, or any part of this letter, please call our free phone number: 0800 015 5857.
Please also let us know if you have suffered an injury as a result of the incident. We are confident that we would be able to offer a swift and hassle-free claims solution.
If you would like to know more, then please call us; it would be a pleasure to start the claims process for you and answer any questions you may have.
We look forward to hearing from you at your earliest convenience.
Yours sincerely,
Grace Hannon-Rignall
To prevent fraud, details may be exchanged with fraud prevention and financial agencies together with other Insurers. Please make sure that any information provided to us is accurate as making a false claim is an offence under the Fraud Act 2006 and will lead to prosecution.
For all correspondence, please write to us at Saga Claims, PO Box 251, Seaham DO, SR7 1BJ
Cost to Saga Claims of Providing Replacement Vehicles
This table shows the daily rate paid by Saga Claims to source a replacement vehicle, as your advisers may be interested to know. We should stress that the vehicle will be free to you, and you will not be required to pay anything. For purposes of comparison, the table also shows the daily rate, which Saga Claims would have to pay to settle a claim for the use of a credit hire vehicle under the ABI GTA.
Vehicle Category
Example Vehicle & Engine Size
Saga Claims Rate Per Day (Excl. VAT)
Credit Rate Per Day (Excl. VAT)
Standard Vehicle Examples
S1
Nissan Micra (1.0), Fiat 500
£13.11
£35.51
S2
VW Polo (1.2)
£14.38
£40.26
S3
Vauxhall Astra (1.4)
£15.10
£42.94
S4
Peugeot 307 (1.6) , Ford Focus (1.6)
£16.14
£46.04
S5
Peugeot 407 (1.8), VW Golf (1.6)
£16.63
£48.71
S6
Vauxhall Insignia (2.0), Skoda Octavia (2.0)
£17.49
£51.90
S7
VW Passat (2.0)
£18.01
£72.77
Multiple Purpose Vehicle Examples
M
Citroen Berlingo (1.4)
£20.99
£56.73
M1
Peugeot 3008 (1.6), Ford C-Max (1.8)
£21.14
£65.56
M2
Peugeot 5008 (1.6), Citroen Picasso (2.0)
£22.19
£74.76
M3
Ford Galaxy (1.9), VW Touran (2.0)
£27.10
£87.87
M4
Ford Galaxy (2.3), Mercedes Viano (2.0)
£27.48
£103.70
M5
Mercedes Viano (2.2)
£52.56
£155.54
M6
Mercedes Viano (3.5)
£53.18
£197.02
4 X 4 Vehicle Examples
F1
Skoda Yeti (2.0), Nissan X-Trail (2.0)
£25.98
£104.91
F2
Mitsubishi Shogun (2.5), Toyota RAV 4 (2.2)
£26.47
£104.57
F3
BMW X3 (2.0), Range Rover Evoque (2.2)
£38.77
£121.16
F4
Audi Q5 (2.0), BMW X3 (2.5)
£46.73
£148.64
F5
BMW X5 (3.0), VW Touareg (3.0)
£65.11
£185.89
F6
Mercedes ML350 (3.5), Volvo XC90 (2.9)
£66.24
£209.14
F7
Porshe Cayenne S (4.5), Mercedes ML500 (5.0)
£73.90
£243.99
F8
Range Rover V8 (4.4)
£88.24
£261.42
F9
Porsche Cayenne Turbo (4.5)
£112.58
£319.51
Prestige Vehicle Examples
P1
Audi A3 (1.6)
£27.98
£81.33
P2
Audi A3 (1.8), Volvo C30 (1.6)
£28.15
£97.43
P3
Mercedes C180 (1.8)
£29.07
£103.66
P4
BMW 320 (2.0), Audi A4 (2.0)
£30.01
£126.14
P5
Audi A6 (2.0), Jaguar XF (2.2)
£47.75
£146.40
P6
BMW 525 M Sport (2.5), Mercedes E280 (2.8)
£49.49
£165.58
P7
BMW 530 (3.0), Mercedes E350 (3.5)
£69.99
£193.15
P8
BMW 730 (3.0), Audi A8 (3.0)
£70.13
£220.73
P9
Mercedes S350 (3.5), Jaguar XJ (5.0)
£90.05
£253.86
P10
BMW 750 (5.0), Mercedes S500 (5.0)
£92.19
£312.37
P11
Bentley Continental (6.0)
£190.00
£438.74
P12
Bentley Flying Spur (6.0)
£235.00
£656.74
Sports Vehicle Examples
SP1
Mini Cooper (1.6)
£27.99
£84.16
SP2
Mini Cooper S (1.6), VW Polo GTI (1.8)
£28.79
£91.50
SP3
BMW 118 Coupe (1.8)
£35.50
£109.91
SP4
Mercedes CLC (1.8), Honda Civic Type R (2.0)
£42.75
£125.49
SP5
Audi TT (1.8)
£43.89
£137.10
SP6
Mercedes E250 Sports (2.5), BMW Z4 (2.5)
£61.08
£182.12
SP7
Mercedes CLK280 (2.8), Porshe Boxter (2.7)
£70.64
£204.20
SP8
Mercedes SLK350 (3.5)
£81.00
£226.28
SP9
Jaguar F Type (3.0), BMW M3 (3.2)
£90.95
£248.35
SP10
BMW 650 (5.0), Maserati Coupe (4.2)
£180.00
£284.21
SP11
Porsche 911 Carrera S (3.8)
£230.00
£342.16
SP12
Aston Martin DB9 (6.0)
£300.00
£449.80
SP13
Ferrari F430/360
£420.00
£656.74
Dual Control Examples
DC1
Ford Fiesta
£30.25
£52.26
DC2
Ford Focus
£30.25
£58.04
DC3
Audi A1
£35.25
£93.33
DC4
BMW 1 Series
£57.00
£109.43
DC5
BMW X1
£57.00
£133.16
Taxi Examples
PT9
Mercedes E200
£116.00
£238.16
PT13
BMW 7 series
£151.00
£339.40
T4
Ford Mondeo (1.8)
£56.00
£118.67
T6
London Hackney Cab
£65.00
£109.56
T8
Hackney Carriage License (Ford Mondeo)
£61.00
£121.46
Pickup Examples
CP1
Toyota Hilux
£36.36
£58.38
CP2
Ford Ranger Double Cab
£40.72
£66.23
CP3
Land Rover Defender
£45.00
£75.41
Panel Van Examples
PV1
Citroen Belingo (1.4)
£15.48
£42.90
PV2
Ford Transit SWB (2.0)
£17.38
£49.79
PV3
Vauxhall Vivaro LWB (2.0)
£18.76
£49.79
PV4
Fiat Ducato LWB (2.3)
£19.09
£55.22
PV5
Mercedes Sprinter MWB (2.2)
£19.59
£58.00
PV6
Mercedes Sprinter LWB (2.6)
£20.09
£60.79
Commercial Vehicle Examples
CV1
Iveco Daily Luton with tail lift
£21.07
£62.06
CV2
Ford Transit 1 way tipper
£40.00
£63.67
CV3
Ford Transit 3 way tipper
£40.00
£66.94
CV4
Iveco 7.5 tonne tilt and slide
£40.00
£95.36
Motor Bike Examples
B1
0cc-50cc
£18.92
£38.11
B2
51cc-125cc
£25.42
£44.52
B3
126cc - 500cc
£27.92
£62.77
B4
501cc-650cc
£30.92
£75.59
B5
651cc-1000cc
£34.92
£88.33
B6
1001cc+
£36.92
£89.67
Saga Claims will handle your claim on behalf of your insurer, Acromas Insurance Company Limited. Saga Claims is a trading name of CHMC Limited, which is a limited company incorporated in England and Wales with registered Office: 3 Pancras Square, London, N1C 4AG; company number 6897074. VAT registration number 201 4215 34.
Acromas Insurance Company is incorporated in Gibraltar (Number 88716) with its registered office situated at 57-63 Line Wall Road, Gibraltar. The Company is licensed to conduct insurance business under the Financial Services (Insurance Companies) Act and authorised by the Financial Services Commission, Gibraltar.
The opinions expressed in this e-mail are those of the individual and not necessarily the company. This e-mail and attachment[s] are confidential to the sender and are solely for use by the intended recipient.
Saga Services Limited: Company Registration No. 732602
Saga Publishing Limited: Company Registration No. 2152564
The above companies are wholly owned subsidiaries of Saga Group Limited.
Saga Holidays is a trading name of ST&H Ltd: Company Registration No. 2174052
Saga Personal Finance is a registered trading name of Saga Personal Finance Limited: Company Registration No. 3023493
Saga Group Limited: Company Registration No. 638891
All companies registered at: 3 Pancras Square, London, N1C 4AG
Saga Services Limited is authorised and regulated by the Financial Conduct Authority. Firm Registration Number: 311557
Saga Personal Financial Services Limited is authorised and regulated by the Financial Conduct Authority. Firm Registration Number: 178922
ST&H Ltd is an appointed representative of Saga Services Limited which is authorised and regulated by the Financial Conduct Authority. Firm Registration Number: 455489
Acromas Insurance Company Limited is authorised by the Financial Services Commission, Gibraltar. (FCA Firm Registration Number: 228704)
It just sounds to me that Saga are trying to capture your claim so you don't end up with an AMC who will charge them way more for everything. They are looking to push you into one of their approved repairers as that is the best option for them, so you will obviously need to push back in order to use your own choice of repairer.
I think some insurers are making these 'inconvenience' payments simply to encourage people to let them deal with the matter. The additional cost if there was a credit hire via an AMC etc, would be many times more than £500 in additional cost.
The Saga Claims company, CHMC Ltd looks to be an outsourced firm, rather than actually a Saga Group business, but it appears they also deal with Saga's own clients, so I think that's just a standard setup for a relatively small insurer.
The only questions I would really be concerned about asking would be around the use of your preferred bodyshop, and just to check that there would be no costs at all to you in any circumstances in respect of the provided hire vehicle.
If you are not comfortable with them when you have spoken to them, then you are absolutely able to use your own insurers instead, the advantage being that they are a company you have a contract with and have chosen as you are happy to deal with them. As Saga have admitted liability, your insurer would then recover costs from them on your behalf, so should not effect No Claims Bonus etc.
The Saga Claims company, CHMC Ltd looks to be an outsourced firm, rather than actually a Saga Group business, but it appears they also deal with Saga's own clients, so I think that's just a standard setup for a relatively small insurer.
The only questions I would really be concerned about asking would be around the use of your preferred bodyshop, and just to check that there would be no costs at all to you in any circumstances in respect of the provided hire vehicle.
If you are not comfortable with them when you have spoken to them, then you are absolutely able to use your own insurers instead, the advantage being that they are a company you have a contract with and have chosen as you are happy to deal with them. As Saga have admitted liability, your insurer would then recover costs from them on your behalf, so should not effect No Claims Bonus etc.
ferrariboi said:
The offer of £500 for the inconvenience seemed too good to be true. They’ve called 4 times this morning. Are there any specific questions that I should ask them?
Looking at the rate table provided, they're just showing you that they will directly provide you with a suitable car and will do it at lower cost than an AMC would do, in the hope that as a reasonable person you'd take up their offer instead of an AMC ripoff.I think I'd ask them to very clearly confirm that they're proposing to give you a non-credit hire car. If they are - and it reads that they are - then it sounds fine.
The £500 does sound too good to be true but looking at that table they'll still save a mint if they are putting you in a decent replacement car themselves.
Saga have categorically stated that I will not be liable for any hire charge costs.
But, they want to know if I have sole use of any other vehicles. I have a collection of quite exotic cars, and I don't really want to use them daily. Nor are they Ulez compliant. The damaged car is my daily driver. I can be driven with the damage but an airbag light has started to intermittently flash up since the damage to the door.
I wonder if they will provide me with a hire car of whether I will need to use one of my non compliant exotics?
But, they want to know if I have sole use of any other vehicles. I have a collection of quite exotic cars, and I don't really want to use them daily. Nor are they Ulez compliant. The damaged car is my daily driver. I can be driven with the damage but an airbag light has started to intermittently flash up since the damage to the door.
I wonder if they will provide me with a hire car of whether I will need to use one of my non compliant exotics?
ferrariboi said:
I wonder if they will provide me with a hire car of whether I will need to use one of my non compliant exotics?
I'd be pretty sure they're keen to provide a car to avoid you going down the AMC route.If you can just confirm they're talking about supplying the car themselves, not through an AMC - and why would they want to do that since they're paying? - I don't see any issues.
It's when it's through an AMC that the s
t can hit the fan with regard to whether you really needed a car.Everything in the text you posted reads as though Saga are providing a car directly, so should be no funny business.
Regarding your other cars, it would be perfectly reasonable to say they're not suitable replacements - no commuting cover, limited mileage, etc. etc. but if Saga are wanting to provide a car themselves it's not a consideration anyway.
As others have said, the reason they are willing to pay you £500 for the inconvenience is that it’s a drop in the ocean compared to the extortionate claim they would face if you fell into the clutches of a scummy credit hire operator.
You don’t say what sort of car it is that’s been damaged, but assuming from your username that it’s a Ferrari you can see that the Saga daily rate is £420 as against the CHO daily rate of £656. Consequently, if you accept the deal Saga would be in pocket from day 3 of the hire period.
They make it quite clear that you are not at risk of having to pay anything for the use of the car:
We should stress that the vehicle will be free to you, and you will not be required to pay anything.
That seems pretty conclusive.
Saga are a reputable company, and if I were you I’d definitely accept the offer. However, if we are indeed looking at Ferrari rates of hire or anything near that I’d perhaps be inclined to go back and say that you would accept £1000 (or whatever other figure you feel appropriate) for the inconvenience, on the basis that it would still be saving them a lot.
But my main reason for acceptance of the deal wouldn’t be financial – it would be the sheer joy that depriving a vile company like Auxillis of all that money would provide me!
Bear in mind that all the revenue received by Auxillis and their fellow extortionists is ultimately derived from the premiums that you and I pay, and it’s no doubt one of the reasons that premiums have jumped by around 50% this year.
Saga are therefore to be applauded for spiking the CHO's business model like this, and I sincerely hope that their excellent example is soon shared by other insurers. If it is then it might be a great opportunity to short Redde Northgate (who own Auxillis) shares!
https://www.londonstockexchange.com/stock/REDD/red...
You don’t say what sort of car it is that’s been damaged, but assuming from your username that it’s a Ferrari you can see that the Saga daily rate is £420 as against the CHO daily rate of £656. Consequently, if you accept the deal Saga would be in pocket from day 3 of the hire period.
They make it quite clear that you are not at risk of having to pay anything for the use of the car:
We should stress that the vehicle will be free to you, and you will not be required to pay anything.
That seems pretty conclusive.
ferrariboi said:
Saga have categorically stated that I will not be liable for any hire charge costs.
But, they want to know if I have sole use of any other vehicles. I have a collection of quite exotic cars, and I don't really want to use them daily. Nor are they Ulez compliant. The damaged car is my daily driver. I can be driven with the damage but an airbag light has started to intermittently flash up since the damage to the door.
I wonder if they will provide me with a hire car of whether I will need to use one of my non compliant exotics?
The reason they want to know this is because if you reject the deal and end up with a CHO who charges £650 a day Saga would have a defence to the CHO’s claim if they could establish that you had another car that you could have reasonably used as a replacement. This is information that you would have to disclose anyway when the CHO went to pursue recovery.But, they want to know if I have sole use of any other vehicles. I have a collection of quite exotic cars, and I don't really want to use them daily. Nor are they Ulez compliant. The damaged car is my daily driver. I can be driven with the damage but an airbag light has started to intermittently flash up since the damage to the door.
I wonder if they will provide me with a hire car of whether I will need to use one of my non compliant exotics?
Saga are a reputable company, and if I were you I’d definitely accept the offer. However, if we are indeed looking at Ferrari rates of hire or anything near that I’d perhaps be inclined to go back and say that you would accept £1000 (or whatever other figure you feel appropriate) for the inconvenience, on the basis that it would still be saving them a lot.
But my main reason for acceptance of the deal wouldn’t be financial – it would be the sheer joy that depriving a vile company like Auxillis of all that money would provide me!
Bear in mind that all the revenue received by Auxillis and their fellow extortionists is ultimately derived from the premiums that you and I pay, and it’s no doubt one of the reasons that premiums have jumped by around 50% this year.
Saga are therefore to be applauded for spiking the CHO's business model like this, and I sincerely hope that their excellent example is soon shared by other insurers. If it is then it might be a great opportunity to short Redde Northgate (who own Auxillis) shares!
https://www.londonstockexchange.com/stock/REDD/red...
Interesting. Reading this thread with a brand new Audi A6 on my driveway to cover my 2016 CLS being in the body shop after a camper van drove into my parked car in August this year.
The third party insurance admitted liability so Admiral told me to use Auxillis. I was asked if I have another car I can use, which is a negative and also if I could manage without. Again, negative.
I was asked what size car I need. After running through options they put down CLA or larger. My CLS is an estate and the boot is usually well loaded for work and weekends away. We are away this coming weekend by chance.
As said, I now have a replacement car in size, but absolutely brand new. Of course, hiring a 7 year Merc to keep me on the road isn’t going to be an option, but let’s see how this plays out when the time comes.
Also, my car was fully drivable, so dropping it off today having booked into the body shop two weeks back, I expected a quick turnaround. Not looking likely, they are stowed out with work and reckon they won’t be touching the car for at least a couple of weeks….
Also, I’ve never had a claim since I started driving in 1995, so this is all very new to me.
The third party insurance admitted liability so Admiral told me to use Auxillis. I was asked if I have another car I can use, which is a negative and also if I could manage without. Again, negative.
I was asked what size car I need. After running through options they put down CLA or larger. My CLS is an estate and the boot is usually well loaded for work and weekends away. We are away this coming weekend by chance.
As said, I now have a replacement car in size, but absolutely brand new. Of course, hiring a 7 year Merc to keep me on the road isn’t going to be an option, but let’s see how this plays out when the time comes.
Also, my car was fully drivable, so dropping it off today having booked into the body shop two weeks back, I expected a quick turnaround. Not looking likely, they are stowed out with work and reckon they won’t be touching the car for at least a couple of weeks….
Also, I’ve never had a claim since I started driving in 1995, so this is all very new to me.
Edited by sanguinary on Wednesday 1st November 10:39
ferrariboi said:
The offer of £500 for the inconvenience seemed too good to be true. They’ve called 4 times this morning. Are there any specific questions that I should ask them?
I have heard of this before but it was couched in terms of cutting off any medical claims.When my wife's car was rear ended the other driver started saying things like her "brother knew about cars and could fix it up" so I called our insurer and they dealt with it.
A couple of days later the third party insurer (M&S) called but even though I'm the owner, RK and policyholder of the car, they wouldn't talk to me and I assumed that was because they wanted to get in front of any medical claim. My wife wasn't here and I told them it was in hand.
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