What car am I likely to get?

[WEHGuy]

Hi folks,

Unfortunately today, a man in a white van reversed into my E39 M5. Fortunately, it should only need a front bumper respray, the driver has taken full responsibility and I have an independent witness backing me.

My question is though, since his insurance company will have to give me a courtesy car, what quality of my car will it have to be the equivalent of? Then that leads me to my next question, what courtesy car am I likely to get? F10 M5?

Thanks in advance

[crosseyedlion]

WEHGuy said:

Hi folks,

Unfortunately today, a man in a white van reversed into my E39 M5. Fortunately, it should only need a front bumper respray, the driver has taken full responsibility and I have an independent witness backing me.

My question is though, since his insurance company will have to give me a courtesy car, what quality of my car will it have to be the equivalent of? Then that leads me to my next question, what courtesy car am I likely to get? F10 M5?

Thanks in advance

Ahhh they tend to pull some crud about the value of the car, you'll probably end up with a corsa.

[jezzaaa]

WEHGuy said:

Hi folks,

Unfortunately today, a man in a white van reversed into my E39 M5. Fortunately, it should only need a front bumper respray, the driver has taken full responsibility and I have an independent witness backing me.

My question is though, since his insurance company will have to give me a courtesy car, what quality of my car will it have to be the equivalent of? Then that leads me to my next question, what courtesy car am I likely to get? F10 M5?

Thanks in advance

Well it depends. My experience is that, where the fault has been accepted by the third party, they'll hire you something 'representative' if you tell them you won't accept anything rubbish...at the third party's insurance company's cost. So you could say to them that you drive an M5 an expect something equivalent to drive while yours is repaired. Be absolutely sure that the other party and his insurer has accepted responsibility before you do it to avoid you being charged anything.

[Butter Face]

You'll get something similar on a 'credit hire' system, just be wary.

I'd just take whatever they give you and get your car back ASAP

[bencollins4]

Something to discuss with the TP insurers, but I wouldn't expect a new M5!

You might have to slum it for a couple of days, but don't go down the credit hire route.

[dontdropthesoap]

Someone at work required a courtesy car for his no fault damage to a 325d. Got a boxter. Meant to be like for like. Well it was German and rwd at least.

[poing]

Depends on your policy, some do an equivalent car and some do just a car so you get something cheap.

Guy across the road just had his Freelander repaired and he got a Hyundai Santa Fe 4x4 so guess he had the equivalent car.
When my MX5 was getting repaired they sent me what they called the equivalent which was a diesel Astra, it was the "sporty" one in the form of an Sri. To be fair it was quicker in a straight line than my MX5

On my new policy I decided to just take the any car option and save a few £.

[andy-xr]

WEHGuy said:

Hi folks,

Unfortunately today, a man in a white van reversed into my E39 M5. Fortunately, it should only need a front bumper respray, the driver has taken full responsibility and I have an independent witness backing me.

My question is though, since his insurance company will have to give me a courtesy car, what quality of my car will it have to be the equivalent of? Then that leads me to my next question, what courtesy car am I likely to get? F10 M5?

Thanks in advance

If an F10 M5 is actually a Honda Jazz, then yes

[mjb1]

WEHGuy said:

Hi folks,

Unfortunately today, a man in a white van reversed into my E39 M5. Fortunately, it should only need a front bumper respray, the driver has taken full responsibility and I have an independent witness backing me.

My question is though, since his insurance company will have to give me a courtesy car, what quality of my car will it have to be the equivalent of? Then that leads me to my next question, what courtesy car am I likely to get? F10 M5?

Thanks in advance

Do you actually need a courtesy car, or do you just want one? If it only needs a bumper respray then it'll probably be done in a day (maybe two at worst). Might be more hassle than it's worth.

I should think anything similar sized ought to be acceptable - a mondeo/insignia perhaps? If it does the job of carrying you and your passengers/load from a to b, then it should be good enough. If you don't need something that size for just a single day, then why wouldn't anything smaller do the job?

[dave1275]

Someone shunted me last Feb when I had an A6. TP insurance company just paid for a rental from Enterprise, I got another A6 for a few days. I would expect they'll just give you something from the exec class of a hire company or the like.

[vladcjelli]

When our family (of four) sized car got bumped (no fault on our part), we got a 1.2 Corsa. Pulled the:- value of the car x the size of the engine formula at me when questioned.

When one of my oldest friends (single bloke) 3 series (ten year old 318) got attacked by an overzealous/undercautious overtaker, he got a year old Merc S-class. All the toys. Nice timing, as we were due to drive to a stag do, so at least we arrived in comfort/style.

In summary, I want an S-class next time as a courtesy car!

[richcorsavxr]

when our mk1 freelander got hit, we wanted like for like so they gave us a new top of the range freelander 2..... problem is you may like it to much and end up buying one.

[Contigo]

Get onto Swift prestige hire and ask for a like for like replacement as it was a non-fault insurance job and you will have an F10 M5 on your drive monday morning. I did it when someone rear ended me in my RS4. Brand new M6 on drive the following monday

the guy who caused the accident got a bill for 5 months of hire at 500 quid a day.

[Contigo]

poing said:

Depends on your policy, some do an equivalent car and some do just a car so you get something cheap.

Guy across the road just had his Freelander repaired and he got a Hyundai Santa Fe 4x4 so guess he had the equivalent car.
When my MX5 was getting repaired they sent me what they called the equivalent which was a diesel Astra, it was the "sporty" one in the form of an Sri. To be fair it was quicker in a straight line than my MX5

On my new policy I decided to just take the any car option and save a few £.

That's your insurance policy and is totally different. Some chose to have an emergency hire car bolted onto the premium but they usually only cover up to 2 weeks which on most insurance repair jobs is not realistic at all. If you call the company or search on line for like for like car hire/helphire then you will be able to get the lowdown.

[XDA]

Why does it matter what "quality" of car you get? It's just a courtesy car for a couple of weeks.

The chances of getting a F10 M5 are zero.

[Contigo]

XDA said:

Why does it matter what "quality" of car you get? It's just a courtesy car for a couple of weeks.

The chances of getting a F10 M5 are zero.

Are you having a laugh? If I buy a car that I want to drive and enjoy driving which is of a standard that I want and someone inconveniences me by driving into me then why should I have to drive around in some little shoddy runabout/supermini?

I'm far from a car snob but I would not accept a Jazz or Corsa when my RS or M5 is int he body shop. No way.

[XDA]

Contigo said:

XDA said:

Why does it matter what "quality" of car you get? It's just a courtesy car for a couple of weeks.

The chances of getting a F10 M5 are zero.

Are you having a laugh? If I buy a car that I want to drive and enjoy driving which is of a standard that I want and someone inconveniences me by driving into me then why should I have to drive around in some little shoddy runabout/supermini?

I'm far from a car snob but I would not accept a Jazz or Corsa when my RS or M5 is int he body shop. No way.

I get your point re a Jazz/Corsa but a F10 M5 in place of an E39 M5? Really?

[Mastodon2]

F10 M5? Are you kidding me? They give you an equivalent sized vehicle, not performance. A friend's Impreza was recently crashed into, same as your M5, other party admitted the fault, witnesses etc so it was open and shut in terms of insurance and the repair process was started very quickly.

What car do you think he got to replace his 2005 Impreza WRX? A brand new WRX? Nope, 2L diesel Avensis, which the accident management company even tried to get out of loaning him as they said they did not insure under 25s on such a vehicle.

I expect while your M5 is out of action for a month, at best you could hope for a base model Insignia with the smallest diesel engine available. Even this is considered a "luxury" spec car by many rental companies.

[Pints]

[Contigo]

Mastodon2 said:

F10 M5? Are you kidding me? They give you an equivalent sized vehicle, not performance. A friend's Impreza was recently crashed into, same as your M5, other party admitted the fault, witnesses etc so it was open and shut in terms of insurance and the repair process was started very quickly.

What car do you think he got to replace his 2005 Impreza WRX? A brand new WRX? Nope, 2L diesel Avensis, which the accident management company even tried to get out of loaning him as they said they did not insure under 25s on such a vehicle.

I expect while your M5 is out of action for a month, at best you could hope for a base model Insignia with the smallest diesel engine available. Even this is considered a "luxury" spec car by many rental companies.

They? Who is they? If you are referring to the insurance company then they will give you a small runabout usually a Corsa unless you have specifically added premium hire car to your insurance policy as an extra.

If you have contacted Helphire or another company about the accident then they will put you in a like for like replacment as it's your right. All you need to do is turn down the sub standard hire car that your insuance company has offered you for reasons like "It's not big enough" or "I need to uphold an image and arriving to a client in a Corsa is not acceptalbe" and they will source you a "Like for Like" vehicle which is arranged on a credit hire facility and is billed to the third parties insurance company.

"If an individual is the victim of a non-fault accident, the insurers involved or the repairer may offer a courtesy car. But what happens if that vehicle isn't suitable? We quickly advise on the individual's position and, if appropriate, arrange the hire of a like for like replacement on credit terms. It's a service Helphire Automotive has pioneered, meaning no one has more experience in prestige credit hire."