Private Land Car Insurance Claim
Discussion
Morning people,
Right...so having read many many threads on PH and being involved as an accident repair manager and having worked for the odd insurance company I have a basic understanding of the processes etc involved.
However, a work colleague has me a bit stumped. They are an intelligent person so I've no reason to doubt what they've relayed about their on-going claim...
My colleague used a meet and greet at an airport. Picks it up a week later, "sorry sir, it's had a prang at the front while parked up". Much swearing, drives home, been told by the meet and greet company to get two quotes and they'll sort out as the took full responsibility.
Colleague is very unhappy why they're doing the leg work...I suggested to go through his own insurance and sit back and leave it to them as he'll probably get a courtesy car as it wasn't clear if the meet and greet company would pay out for that.
Colleague told me this morning that his insurance company thinks they'll be a sticking point and to go do what the meet and greet company have suggested with two quotes etc.
The insurance person started talking about private land... aaaaha I thought. I've read about this, if it's a public carpark then same rules apply.
However, meet and greet company reckon this happened in their secure padlock area... therefore the insurance company is suggesting that that would make it private land and all bets are off.
Hope all the above makes sense and any sensible replies would be appreciated.
And to counter any comments, it's no longer half-term, it is genuinely a work colleague and no one is getting stressed about the situation...they just want it fixed and a loan car, ideally of similar ilk as it's the family/dog/school run car not a Ford Ka.
Many thanks
Right...so having read many many threads on PH and being involved as an accident repair manager and having worked for the odd insurance company I have a basic understanding of the processes etc involved.
However, a work colleague has me a bit stumped. They are an intelligent person so I've no reason to doubt what they've relayed about their on-going claim...
My colleague used a meet and greet at an airport. Picks it up a week later, "sorry sir, it's had a prang at the front while parked up". Much swearing, drives home, been told by the meet and greet company to get two quotes and they'll sort out as the took full responsibility.
Colleague is very unhappy why they're doing the leg work...I suggested to go through his own insurance and sit back and leave it to them as he'll probably get a courtesy car as it wasn't clear if the meet and greet company would pay out for that.
Colleague told me this morning that his insurance company thinks they'll be a sticking point and to go do what the meet and greet company have suggested with two quotes etc.
The insurance person started talking about private land... aaaaha I thought. I've read about this, if it's a public carpark then same rules apply.
However, meet and greet company reckon this happened in their secure padlock area... therefore the insurance company is suggesting that that would make it private land and all bets are off.
Hope all the above makes sense and any sensible replies would be appreciated.
And to counter any comments, it's no longer half-term, it is genuinely a work colleague and no one is getting stressed about the situation...they just want it fixed and a loan car, ideally of similar ilk as it's the family/dog/school run car not a Ford Ka.
Many thanks
Devil2575 said:
I'm by no means and expert but surely the private land thing is just a red herring?
My driveway is private land but if someone parked on it and bumped my car as a result i'd still fully expect my insurer to sort it out.
That's how I feel about it but his insurance company have said as it's a secure locked area, i.e. public can't get on it then he could be on a sticky wicket. My driveway is private land but if someone parked on it and bumped my car as a result i'd still fully expect my insurer to sort it out.
Retroman said:
It doesn't matter if it's in a secure car park locked off to the public.
Who ever was negligent in damaging the vehicle is liable for the repair costs.
And has offered to cover them, but has asked the OP's colleague to assist in this process by identifying two repairers he would trust and getting them to quote for the work. OP's colleague would prefer that his insurer did this task for him.Who ever was negligent in damaging the vehicle is liable for the repair costs.
The question is, does the OP's colleague's insurer have any interest in an incident which occurred on private land which was not accessible by the general public ?
Personally, I'd be telling the colleague to get on the phone and get it sorted by someone he trusts rather than handing it off to someone else.
Edited by marshalla on Thursday 5th November 12:44
LoonR1 said:
These stories just get better and better.
Right...before you go off on one I'm not billy bulls
t...I personally thought I asked the question in a reasonable manner. I'm just relaying what I was told... FFS this place just gets worse. And the thing is Loon, I actually was hoping you'd contribute but not in ^^^^ manner. It is a genuine question, more for my curiosity than anything else.
marshalla said:
Retroman said:
It doesn't matter if it's in a secure car park locked off to the public.
Who ever was negligent in damaging the vehicle is liable for the repair costs.
And has offered to cover them, but has asked the OP's colleague to assist in this process by identifying two repairers he would trust and getting them to quote for the work. OP's colleague would prefer that his insurer did this task for him.Who ever was negligent in damaging the vehicle is liable for the repair costs.
The question is, does the OP's colleague's insurer have any interest in an incident which occurred on private land which was not accessible by the general public ?
Personally, I'd be telling the colleague to get on the phone and get it sorted by someone he trusts rather than handing it off to someone else.
Edited by marshalla on Thursday 5th November 12:44
I'm not sure if they are using their insurance company or will just pay the repairer directly. He's had one quote and to be honest it's near write-off value, so I think he's hopinig they'll just pay the bill as he likes his car and want to keep it.
Andy OH said:
If the meet & greet are willing to pay for the damage to be repaired and also the cost of a loan/hire car then surely you're colleague is now happy as he won't be inconvenienced in any way.
Yep... he is... he was initially complaining about doing the running around. That's why I suggested using his own insurance company. But then he repeated back about the potential issue around secured private land and I questioned that and then thought I'd ask on PH as usually I get really good replies/advice. 
hondafanatic said:
Right...before you go off on one I'm not billy bullst...I personally thought I asked the question in a reasonable manner. I'm just relaying what I was told... FFS this place just gets worse.
And the thing is Loon, I actually was hoping you'd contribute but not in ^^^^ manner. It is a genuine question, more for my curiosity than anything else.
It's this simple. If you have fully comp insurance then you're covered to repair / replace your car no matter how or where it was damaged (unless you did it deliberately). That's it. No more, no less. t...I personally thought I asked the question in a reasonable manner. I'm just relaying what I was told... FFS this place just gets worse. And the thing is Loon, I actually was hoping you'd contribute but not in ^^^^ manner. It is a genuine question, more for my curiosity than anything else.
Whether they recover their outlay is a moot point around your question about private land.
Retroman said:
It doesn't matter if it's in a secure car park locked off to the public.
Who ever was negligent in damaging the vehicle is liable for the repair costs.
This!Who ever was negligent in damaging the vehicle is liable for the repair costs.
But it doesn't mean the parking company are liable or have been negligent. That might depend upon the contract with the parking company.
It also doesn't mean that the damage is covered under a fully comprehensive policy of insurance.
LoonR1 said:
hondafanatic said:
Right...before you go off on one I'm not billy bullst...I personally thought I asked the question in a reasonable manner. I'm just relaying what I was told... FFS this place just gets worse.
And the thing is Loon, I actually was hoping you'd contribute but not in ^^^^ manner. It is a genuine question, more for my curiosity than anything else.
It's this simple. If you have fully comp insurance then you're covered to repair / replace your car no matter how or where it was damaged (unless you did it deliberately). That's it. No more, no less. t...I personally thought I asked the question in a reasonable manner. I'm just relaying what I was told... FFS this place just gets worse. And the thing is Loon, I actually was hoping you'd contribute but not in ^^^^ manner. It is a genuine question, more for my curiosity than anything else.
Whether they recover their outlay is a moot point around your question about private land.
However, can I ask why didn't you just put that?
You're getting as predicatable as 300bhp.
OP - I want an MX-5, Mk1 or 2?
300bhp - have you tried A Jeep Cherokee V8?
OP - Question about insurance
LoonR1 - It's all bulls
t and you're twelve years old.
hondafanatic said:
Many thanks - I'll pass that on not that it matters too much now. I'm guessing he wasn't want listening properly or the Hastings bod didn't quite understand the issue.
However, can I ask why didn't you just put that?
You're getting as predicatable as 300bhp.
OP - I want an MX-5, Mk1 or 2?
300bhp - have you tried A Jeep Cherokee V8?
OP - Question about insurance
LoonR1 - It's all bullst and you're twelve years old.
You could be any age up to 18, as that's still school age. I didn't actually accuse you of anything, I inferred your mate has made up a cracking story though. However, can I ask why didn't you just put that?
You're getting as predicatable as 300bhp.
OP - I want an MX-5, Mk1 or 2?
300bhp - have you tried A Jeep Cherokee V8?
OP - Question about insurance
LoonR1 - It's all bulls
t and you're twelve years old.
LoonR1 said:
hondafanatic said:
Many thanks - I'll pass that on not that it matters too much now. I'm guessing he wasn't want listening properly or the Hastings bod didn't quite understand the issue.
However, can I ask why didn't you just put that?
You're getting as predicatable as 300bhp.
OP - I want an MX-5, Mk1 or 2?
300bhp - have you tried A Jeep Cherokee V8?
OP - Question about insurance
LoonR1 - It's all bullst and you're twelve years old.
You could be any age up to 18, as that's still school age. I didn't actually accuse you of anything, I inferred your mate has made up a cracking story though. However, can I ask why didn't you just put that?
You're getting as predicatable as 300bhp.
OP - I want an MX-5, Mk1 or 2?
300bhp - have you tried A Jeep Cherokee V8?
OP - Question about insurance
LoonR1 - It's all bulls
t and you're twelve years old.t. Thanks for the one the helpful reply
Edited by hondafanatic on Thursday 5th November 22:01
The bottom line on this is, private lane, public road, public place, make absolutely no difference, these are Road traffic act concepts, and you are not dealing with RTA insurance, you are dealing with contractual insurance, so all that matters is what is in the policy.
It's fairly plausible that there is some sort of clause which makes them not liable if there is other insurance which covers the same liability, which would effectively mean, they would not have to pay, unless the parking company do not have sufficient insurance or some how could claim they were not liable. There was a story a while ago where a lamborghini muira caught fire immediately after a service which ended up in a big legal battle between the garage's insurers and the owners.
It's fairly plausible that there is some sort of clause which makes them not liable if there is other insurance which covers the same liability, which would effectively mean, they would not have to pay, unless the parking company do not have sufficient insurance or some how could claim they were not liable. There was a story a while ago where a lamborghini muira caught fire immediately after a service which ended up in a big legal battle between the garage's insurers and the owners.
hondafanatic said:
LoonR1 said:
hondafanatic said:
Many thanks - I'll pass that on not that it matters too much now. I'm guessing he wasn't want listening properly or the Hastings bod didn't quite understand the issue.
However, can I ask why didn't you just put that?
You're getting as predicatable as 300bhp.
OP - I want an MX-5, Mk1 or 2?
300bhp - have you tried A Jeep Cherokee V8?
OP - Question about insurance
LoonR1 - It's all bullst and you're twelve years old.
You could be any age up to 18, as that's still school age. I didn't actually accuse you of anything, I inferred your mate has made up a cracking story though. However, can I ask why didn't you just put that?
You're getting as predicatable as 300bhp.
OP - I want an MX-5, Mk1 or 2?
300bhp - have you tried A Jeep Cherokee V8?
OP - Question about insurance
LoonR1 - It's all bulls
t and you're twelve years old.t. Thanks for the one the helpful reply
Edited by hondafanatic on Thursday 5th November 22:01
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