£300 to cover insurance on loan car whilst mine's repaired?

£300 to cover insurance on loan car whilst mine's repaired?

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thenortherner

Original Poster:

1,502 posts

163 months

Thursday 22nd August 2019
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This week marks the fifth week my car's been sat at a main dealer with a gearbox issue - it was dropped in on July 24th and I've not seen it since. The car's a year old and under warranty. It was initially diagnosed as an issue with the synchro in 3rd and 4th. A long story short is the gearbox has been and out of the car multiple times in the past 5 weeks with various replacement parts being fitted but the fault remains.

The dealer blame 'Peugeot Technical' who advise on how to repair and what to replace. The 'wrong parts' have been continually sent and dealer's had to resort to sending pictures of the broken parts next to the new ones in order to prove the parts they're advising need fitting simply aren't meant for the gearbox. Even when the correct ones arrive and get fitted the fault remains.

Now that we're 5 weeks on they've given up with trying to repair and are replacing the gearbox itself.

I've been provided with a replacement car from Enterprise and cover the cost of up to £25 a day costs. The main dealer have paid for the car but don't cover the insurance which is £10 a day which I have to cover. What I'm amazed at is that I can rent the same car for £20 a day from Enterprise and this includes insurance.

Anyhow, I've been in touch with Peugeot Customer Care. Their response, by email, is pretty concise; we don't have to offer you a replacement car, the replacement car in itself is a goodwill gesture and insurance is your problem. They will not be paying towards my insurance despite the delays in getting and fitting the right parts being down to them. The dealer doesn't deny this and agrees this is the reason the repair has been so prolonged.

So far my insurance costs are £300 and rising.

Am I being unreasonable here in wanting Peugeot to cover them?

And as far as Enterprise go I'm amazed they rent cars to Peugeot without insurance included. I think the £10 is the rip off optional enhanced insurance cost. Tempted to pay on Mastercard and immediately dispute the payment.


thenortherner

Original Poster:

1,502 posts

163 months

Thursday 22nd August 2019
quotequote all
Spoke to them earlier. They're invoicing Peugeot for the £25 a day rental, and the insurance is separately for the insurance.

I've had a look on the rental document and the insruance is classified as 'optional protection accepted'.

The rental agreement is exactly the same as any other I've had privately with enterprise and insurance has always been included.

The dealer has specified to Enterprise they don't cover the cost of insurance. Enterprise have jumped on this, by the looks of things, to slap on the optional protection under the pretence the car wouldn't have been inusred otherwise.

thenortherner

Original Poster:

1,502 posts

163 months

Thursday 22nd August 2019
quotequote all
Coincidentally my car was repaired and returned today.

I spoke to Enterprise to let them know I was done with their car. They asked I drop it off at the dealer for them to collect tomorrow. I asked whether I had anything outstanding to pay and they confirmed more than once there was nothing. The rental was organised by Peugeot themselves. The rental agreement also shows the dealer as being the invoicee. Looks like they're copping for the lot.

The dealer asked how I'd settled my £10 a day insurance costs from the total invoice. They'd be charging my card directly, I said.

I've also manage to lose my debit card they took a £1 pre-authorisation from when they handed me the car so it's now cancelled.


thenortherner

Original Poster:

1,502 posts

163 months

Friday 23rd August 2019
quotequote all
Several missed calls and voice mails from the dealer today asking me to get in touch with them.

Looks like they've picked up the tab for the lot without my contribution.

Ho hum.

thenortherner

Original Poster:

1,502 posts

163 months

Friday 23rd August 2019
quotequote all
When renting a car from Enterprise the car comes with insurance by default.

The person from Peugeot who sorted the rental has explained to Enterprise they were only willing to pay for the rental and not the insurance. She didn't stop to think that it's not actually an option to rent a car from them which doesn't actually include insurance.

Enterprise have rubbed their hands together and told me I needed to pay £10 to insurance. Having read the hire agreement this is for some sort of excess waiver. Can't quite remember the terminology.

Enterprise have just called now to ask me when I'm dropping the car off this evening despite me calling them yesterday to tell them it's at Peugeot. I made it clear Peugeot are picking up the bill for that lot.

Debit card the pre-authorisation was taken from is now cancelled so nothing can be taken.

I was reluctant to approach my insurers about getting cover for the car as I know what hire companies can be like when returning a care with alleged damage. I didn't want me no claims messed up.

Also didn't expect it to take 5 weeks to sort out a f*cking gearbox either!