Courtesy car costs
Discussion
Nearly four years ago I was involved in a no-fault accident (hit up the posterior). There were several cars involved and because the car behind was pushed into me by the car behind them, it took Swiftcover over two years to sort the claim out and recover their costs.
Part of the insurance policy was a guaranteed courtesy car, which was arranged by Swiftcover through Enterprise.
It had all gone quiet until today, when a get a letter from Enterprise saying that they've not managed to recover their costs and if they fail then they'll recover the costs from me?
Can they do this? I've no idea what Enterprise have done - they could have been sat on their a*** twiddling their thumbs, eyeing me up as the easy option.
Part of the insurance policy was a guaranteed courtesy car, which was arranged by Swiftcover through Enterprise.
It had all gone quiet until today, when a get a letter from Enterprise saying that they've not managed to recover their costs and if they fail then they'll recover the costs from me?
Can they do this? I've no idea what Enterprise have done - they could have been sat on their a*** twiddling their thumbs, eyeing me up as the easy option.
This is the wording from Swiftcover at the moment:
"We will pay
1. following loss or damage to your car, we will pay for the supply of a courtesy car during the period your car is not roadworthy or while your car is with a motor repairer. In the event that we regard your car as a write-off or your car is not recovered, the most we will pay is limited up to the time an offer is made in settlement of the claim.
2. if we cannot arrange a courtesy car, we will repay your alternative travelling costs up to a maximum of £15 per day.
3. if your car has been specially adapted for you or for a named driver with disabilities and we cannot arrange a suitable car, we will repay your alternative travelling costs up to a maximum of £15 per day."
(1) suggests it's Swifcover that pays for the car.
"We will pay
1. following loss or damage to your car, we will pay for the supply of a courtesy car during the period your car is not roadworthy or while your car is with a motor repairer. In the event that we regard your car as a write-off or your car is not recovered, the most we will pay is limited up to the time an offer is made in settlement of the claim.
2. if we cannot arrange a courtesy car, we will repay your alternative travelling costs up to a maximum of £15 per day.
3. if your car has been specially adapted for you or for a named driver with disabilities and we cannot arrange a suitable car, we will repay your alternative travelling costs up to a maximum of £15 per day."
(1) suggests it's Swifcover that pays for the car.
Monty Python said:
Panic over - misread the letter. Missed out the word "not", so if their claim fails they won't come after me for the money.
Phew....
They will probably require you to agree to assist them should it go to court.Phew....
It sounds like you had a "Credit Hire" rather than a "Courtesy Car"
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