Non Fault Claim
Discussion
Hi guys
My car was reversed into whilst been parked up. The other person left a note said extremely sorry etc and has taken full liability.
My insurer advised to use a local repair garage who will be picking up my vehicle (in a weeks time!!!) (waives off any excess). My insurer advised contact the garage regarding a hire car. (I have a courtesy car under my policy)
It appears that the repair garage do not have a fleet of cars therefore instructed enterprise, who then called me to offer me a credit hire vehicle which I can only get on the day my car goes into the repair garage?
I am concerned and baffled that why do I need to sign and agree a credit hire agreement when I have courtesy car hire cover via my insurers?
I have heard bad things from Credit Hire companies from the information online. Can anybody recommend anything? or am I overthinking this?
Sometimes they said the garage will pay then forward cost on to my insurer who then contact the third party then enterprise say they contact the third party directly to get payment? and if they dispute the claim then I am liable to pay?
My car was reversed into whilst been parked up. The other person left a note said extremely sorry etc and has taken full liability.
My insurer advised to use a local repair garage who will be picking up my vehicle (in a weeks time!!!) (waives off any excess). My insurer advised contact the garage regarding a hire car. (I have a courtesy car under my policy)
It appears that the repair garage do not have a fleet of cars therefore instructed enterprise, who then called me to offer me a credit hire vehicle which I can only get on the day my car goes into the repair garage?
I am concerned and baffled that why do I need to sign and agree a credit hire agreement when I have courtesy car hire cover via my insurers?
I have heard bad things from Credit Hire companies from the information online. Can anybody recommend anything? or am I overthinking this?
Sometimes they said the garage will pay then forward cost on to my insurer who then contact the third party then enterprise say they contact the third party directly to get payment? and if they dispute the claim then I am liable to pay?
Edited by Humble1sos on Thursday 20th February 11:38
I would suggest you speak to the third party's insurers as they will probably be happy to arrange everything and cover it directly. Have they not contacted you already? They normally do.
In the current situation, your insurer is expecting to be able to claim everything back of the third party insurer which makes it more complex, and they have to take into account the possibility that the third party insurer will refuse the claim.
In the current situation, your insurer is expecting to be able to claim everything back of the third party insurer which makes it more complex, and they have to take into account the possibility that the third party insurer will refuse the claim.
Yes they have contacted me and left voicemails taking full liability.
I am probably new to this so overthinking things. I am happy for my insurance company to deal with the repair side of things as the reccomended repair garage has good reviews.
My concern is why am I being offered a credit hire?
The third party insurance who contacted me did say they could arrange a car hire for me without any credit hire or anything to sign. But my understanding was it may be easier to stay with my insurer who claim that very rarely do non fault claims have any problems as liability as been taken.
I am not using a Accident management company just for reference. My insurer is dealing with it via a local repair garage.
I am probably new to this so overthinking things. I am happy for my insurance company to deal with the repair side of things as the reccomended repair garage has good reviews.
My concern is why am I being offered a credit hire?
The third party insurance who contacted me did say they could arrange a car hire for me without any credit hire or anything to sign. But my understanding was it may be easier to stay with my insurer who claim that very rarely do non fault claims have any problems as liability as been taken.
I am not using a Accident management company just for reference. My insurer is dealing with it via a local repair garage.
The credit hire agreement you sign will just tie you into to cooperating with your insurer in their quest to recover the cost of the hire car from the third party. If you cooperate and they can't get their money back, you won't have to pay. But if you fail to cooperate, like refuse to attend court if it goes that far, then you will have to pay. No problem if you cooperate.
Oh I see.
My understanding was that Enterprise would try bill the third party insurance? and not mine?
Then somebody else says the garage will pay for the enterprise bill then bill my insurer along with the repair costs then my insurer will gather all the costs from the third party!
My understanding was that Enterprise would try bill the third party insurance? and not mine?
Then somebody else says the garage will pay for the enterprise bill then bill my insurer along with the repair costs then my insurer will gather all the costs from the third party!
Edited by Humble1sos on Thursday 20th February 12:50
You're claiming through your insurance, so I'd be surprised if any claims go direct to the third party insurance? Obviously your insurers will be claiming it back, but I assume it all goes through them first.
Incidentally :
Incidentally :
Humble1sos said:
My insurer advised to use a local repair garage who will be picking up my vehicle (in a weeks time!!!) (waives off any excess).
If you'd dealt directly with the 3rd party, the excess wouldn't have been an issue anyway.You could go back to your insurer and ask them to arrange a courtesy car under your comprehensive cover with the repairer. Tell them you're not interested in Credit Hire.
The courtesy car will probably be something like a Ford Ka or Aygo, but if you're happy with that...
...or contact the third party insurer and say to them your insurance are dealing with the repairs, but you'd like the TPI to arrange a hire car for you once repairs have been authorised by your insurer's engineers and you have a booking in date.
They can arrange a like-for-like class hire car at standard rates with someone like Enterprise, and this will save them a small fortune vs a Credit Hire bill from your insurer.
...or cancel repairs at your insurer's garage and ask the TPI to intervene with repairs and hire.
You're in a strong position and can use any of the options above.
The courtesy car will probably be something like a Ford Ka or Aygo, but if you're happy with that...
...or contact the third party insurer and say to them your insurance are dealing with the repairs, but you'd like the TPI to arrange a hire car for you once repairs have been authorised by your insurer's engineers and you have a booking in date.
They can arrange a like-for-like class hire car at standard rates with someone like Enterprise, and this will save them a small fortune vs a Credit Hire bill from your insurer.
...or cancel repairs at your insurer's garage and ask the TPI to intervene with repairs and hire.
You're in a strong position and can use any of the options above.
The third party insurer has a strong incentive to get it all sorted as quickly and smoothly as possible because it reduces what they have to pay out.
On the other hand, your insurer and their associates have an incentive to drag it out as long as possible so they can all make more money out of the final bill. Collectively we all pay more for insurance as a result of this.
If it's a fairly common car I would get third party insurer to sort it out. I would only put it through my own insurer if it was a nearly new or rare car.
About 20 years ago my wife inadvertently had a credit hire agreement when her car was bumped, and the third party insurer took her/her insurer to court, causing much stress. She wriggled out of it but only just.
Several years ago I went through my own insurer after someone bumped my car in a car park. All repairs done but the third party insurer wasn't happy with the bill and legal exchanges grumbled on for about three years, with them finally dropping it shortly before I would have had to go to court.
A couple of months ago after one of our cars was bumped I went through the third party's insurance. It was hassle-free.
On the other hand, your insurer and their associates have an incentive to drag it out as long as possible so they can all make more money out of the final bill. Collectively we all pay more for insurance as a result of this.
If it's a fairly common car I would get third party insurer to sort it out. I would only put it through my own insurer if it was a nearly new or rare car.
About 20 years ago my wife inadvertently had a credit hire agreement when her car was bumped, and the third party insurer took her/her insurer to court, causing much stress. She wriggled out of it but only just.
Several years ago I went through my own insurer after someone bumped my car in a car park. All repairs done but the third party insurer wasn't happy with the bill and legal exchanges grumbled on for about three years, with them finally dropping it shortly before I would have had to go to court.
A couple of months ago after one of our cars was bumped I went through the third party's insurance. It was hassle-free.
davek_964 said:
When somebody hit my car and admitted liability, I dealt directly with the 3rd party insurers. They offered courtesy car (I didn't need it), and I chose where my car was repaired.
As suggested already, you're actually complicating things by trying to go through your own insurance.
No, he isn't. You have no contractual agreement with a third party's insurer, so if things go wrong with the repair for any reason you have far less recourse.As suggested already, you're actually complicating things by trying to go through your own insurance.
Far from true.
We're all covered by various consumer and insurance acts, and have to adhere to the FCA guidelines.
If you accept the Third Party Insurer offer of services and things subsequently go South, you'd go through their normal complaints process much as you would with your own insurer, and, if the TPI Customer Relations Department cannot resolve the complaint after a set timescale, they will send you a final response letter advising how to escalate your complaint to the FOS if that's your wish.
What you cannot do is play your own insurer off against the TPI once you have accepted their offer.
There is some utter b
ks spouted in this forum, and I can understand why there is so much confusion when people who clearly aren't in the industry are offering 'definitive' advice as if it's gospel.
We're all covered by various consumer and insurance acts, and have to adhere to the FCA guidelines.
If you accept the Third Party Insurer offer of services and things subsequently go South, you'd go through their normal complaints process much as you would with your own insurer, and, if the TPI Customer Relations Department cannot resolve the complaint after a set timescale, they will send you a final response letter advising how to escalate your complaint to the FOS if that's your wish.
What you cannot do is play your own insurer off against the TPI once you have accepted their offer.
There is some utter b
ks spouted in this forum, and I can understand why there is so much confusion when people who clearly aren't in the industry are offering 'definitive' advice as if it's gospel.zygalski said:
Far from true.
We're all covered by various consumer and insurance acts, and have to adhere to the FCA guidelines.
If you accept the Third Party Insurer offer of services and things subsequently go South, you'd go through their normal complaints process much as you would with your own insurer, and, if the TPI Customer Relations Department cannot resolve the complaint after a set timescale, they will send you a final response letter advising how to escalate your complaint to the FOS if that's your wish.
What you cannot do is play your own insurer off against the TPI once you have accepted their offer.
There is some utter bks spouted in this forum, and I can understand why there is so much confusion when people who clearly aren't in the industry are offering 'definitive' advice as if it's gospel.
To be fair to Spikyone, he didn't say you have no recourse, he said you have far less. And that's true. For all the protections you do have when claiming off a third party, what you don't have is an actual contract in place between the two of you, that sets out in writing each sides obligations to the other. We're all covered by various consumer and insurance acts, and have to adhere to the FCA guidelines.
If you accept the Third Party Insurer offer of services and things subsequently go South, you'd go through their normal complaints process much as you would with your own insurer, and, if the TPI Customer Relations Department cannot resolve the complaint after a set timescale, they will send you a final response letter advising how to escalate your complaint to the FOS if that's your wish.
What you cannot do is play your own insurer off against the TPI once you have accepted their offer.
There is some utter b
ks spouted in this forum, and I can understand why there is so much confusion when people who clearly aren't in the industry are offering 'definitive' advice as if it's gospel.The confusion for me was the my insurer said contact the garage who will sort you out a courtesy car... So I did the garage said they do not have there own cars so they will pass my details on to enterprise but the lady who registered my details at the garage set it up as a credit hire and NOT a courtesy car (as part of my policy).
So enterprise contact me regarding setting up a credit hire but my insurer will go back to the garage and say no thats wrong under my policy i'm due a courtesy car cover (albeit a small sized car only).
So it should be my local enterprise call me up and NOT the credit hire HQ in Southampton somewhere.
So enterprise contact me regarding setting up a credit hire but my insurer will go back to the garage and say no thats wrong under my policy i'm due a courtesy car cover (albeit a small sized car only).
So it should be my local enterprise call me up and NOT the credit hire HQ in Southampton somewhere.
Twig / Zygalski
As people with inside knowledge - what do you do in the OP's circumstances - go through own insurance co. or 3rd parties?
Over years I've had a few no fault claims over the years and where the 3rd party has completely admitted liability, I have always found it better to deal direct with their insurer. I've found that with the threat of an ACM getting involved they bend over backwards to provide a great service. Whilst putting a claim through my own insurer has still got the car fixed, they've not been as attentive, accommodating or communicative, however, that could just be a reflection of my own insurance company rather than an industry standard. I'm interested in what your thoughts are.
As people with inside knowledge - what do you do in the OP's circumstances - go through own insurance co. or 3rd parties?
Over years I've had a few no fault claims over the years and where the 3rd party has completely admitted liability, I have always found it better to deal direct with their insurer. I've found that with the threat of an ACM getting involved they bend over backwards to provide a great service. Whilst putting a claim through my own insurer has still got the car fixed, they've not been as attentive, accommodating or communicative, however, that could just be a reflection of my own insurance company rather than an industry standard. I'm interested in what your thoughts are.
GT72 said:
Twig / Zygalski
As people with inside knowledge - what do you do in the OP's circumstances - go through own insurance co. or 3rd parties?
Over years I've had a few no fault claims over the years and where the 3rd party has completely admitted liability, I have always found it better to deal direct with their insurer. I've found that with the threat of an ACM getting involved they bend over backwards to provide a great service. Whilst putting a claim through my own insurer has still got the car fixed, they've not been as attentive, accommodating or communicative, however, that could just be a reflection of my own insurance company rather than an industry standard. I'm interested in what your thoughts are.
I don't really have insider knowledge, just work in an industry that has a lot of dealings with insurance. I'd probably claim directly off the third party, if I had the info handy and the tp had admitted liability. Means no excess to pay, and like for like hire car if required. But, when dealing with your own insurer, you are the customer, their top priority, and you have a contract with them. When dealing with a tp, whilst normally it's fine, you are a nobody, if they are short staffed their own customers will (and should) get priority over you, and you have no contract with them.As people with inside knowledge - what do you do in the OP's circumstances - go through own insurance co. or 3rd parties?
Over years I've had a few no fault claims over the years and where the 3rd party has completely admitted liability, I have always found it better to deal direct with their insurer. I've found that with the threat of an ACM getting involved they bend over backwards to provide a great service. Whilst putting a claim through my own insurer has still got the car fixed, they've not been as attentive, accommodating or communicative, however, that could just be a reflection of my own insurance company rather than an industry standard. I'm interested in what your thoughts are.
GT72 said:
Twig / Zygalski
As people with inside knowledge - what do you do in the OP's circumstances - go through own insurance co. or 3rd parties?
Over years I've had a few no fault claims over the years and where the 3rd party has completely admitted liability, I have always found it better to deal direct with their insurer. I've found that with the threat of an ACM getting involved they bend over backwards to provide a great service. Whilst putting a claim through my own insurer has still got the car fixed, they've not been as attentive, accommodating or communicative, however, that could just be a reflection of my own insurance company rather than an industry standard. I'm interested in what your thoughts are.
It really makes no odds, although I'd be more inclined to use my own insurer if the TP was insured with a smaller or relatively obscure company with fewer resources.As people with inside knowledge - what do you do in the OP's circumstances - go through own insurance co. or 3rd parties?
Over years I've had a few no fault claims over the years and where the 3rd party has completely admitted liability, I have always found it better to deal direct with their insurer. I've found that with the threat of an ACM getting involved they bend over backwards to provide a great service. Whilst putting a claim through my own insurer has still got the car fixed, they've not been as attentive, accommodating or communicative, however, that could just be a reflection of my own insurance company rather than an industry standard. I'm interested in what your thoughts are.
The claim info is all shared between insurers on the Claims Underwriting Exchange, so it's not like claiming through the TPI will mean you won't have a claim registered against your own policy anyway, which is another very common misconception promoted on here and elsewhere.
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