Anybody know anything give or take a few vehicle insurance? Some guy bumped my vehicle (only 6 weeks old). He admit liability no
problem there. Insurance have supplied courtesy coup¨¦. Here is the problem. The car a Zafira is horrid to drive and I have no clear belief on the motorway because wing mirrors are to small. Asked for replacement and insurance say we are only entitled to class A which is Corsa or similar. My saloon is 4 x 4 (sorry if you don't like them). Why do we not have a choice when we are the innocent gala. Don't want a Mercedes or anything just a decent public house car.
Answers:
Have you a legal expenses insurance policy provided independently? If so you could ask them if they can provide a better hire car.
You hold the right to have a similar car to your current one whilst your own is human being repaired BUT as your insurance company won't provide you one under the policy you would have to wage for the hire costs - including insurance and then claim the cost back from the other human being (together with your excess) at your own risk. A legal expenses insurance provider is with the sole purpose too willing to do this as they get some of the hire fees!
If you own been in contact beside the other person's insurance company it may be worthwhile contacting them, explain why you need a better car and see if they'll provide one - they might do this as it could be cheaper for them than another company providing the vehicle.
Some insurance companies do give you a choice, but they charge higher premiums to cover this. I guess you chose to settle a lower premium.
If he admitted liability then going through your insurance company may not enjoy been the best thing.
I would own got my car repaired, hired a replacement vehicle I liked, and sent him the bill. (If he then wish to get his insurance to pay it that's ok near me)
Usually you just get hold of a midget sized courtesy car for the period your own sports car is off the road. Something is better than nothing, I guess, and hopefully it wont be for long. My brother within law had a Ford Ka as a courtesy vehicle and he is a BIG bloke - he looked like he was wearing it!
A zafira isn't a impossible option as a courtesy car, regard yourself lucky you weren't given a Smart
Sorry, courtesy cars are set in your policy. If you want a better curtesy car, you entail to ask for it when you buy your policy. Also you will need fully comp insurance, it's not covered by 3rd party.
If you are non fault and the other party have admitted liability then you can approach the 3rd group insurer to manage your claim ( if they havnt already contacted you ) and move your car into one of their approved repairers and also state that you call for a like for like vehicle for the duration of repairs. Alternatively you can approach an acident admin company who will arrange repairs and a like for like motor but if you are already in a Zafira this is class C/D so you already have an upgraded saloon, just approach who has given you the saloon and ask for a replacement saloon or similar
Some insurers these days donate you the chance to "upgrade" your courtesy car cover for an other premium. However, in fairness to them, where their duty is to provide a courtesy car whilst the insured vehicle is being repaired, it is not economically viable to provide a fleet of high-end vehicle for customers to utilise.
Smaller, cheaper to purchase, maintain, repair and run vehicles such as Fiestas, Corsas and the approaching are commonplace.
Related Questions:
Answers:
Have you a legal expenses insurance policy provided independently? If so you could ask them if they can provide a better hire car.
You hold the right to have a similar car to your current one whilst your own is human being repaired BUT as your insurance company won't provide you one under the policy you would have to wage for the hire costs - including insurance and then claim the cost back from the other human being (together with your excess) at your own risk. A legal expenses insurance provider is with the sole purpose too willing to do this as they get some of the hire fees!
If you own been in contact beside the other person's insurance company it may be worthwhile contacting them, explain why you need a better car and see if they'll provide one - they might do this as it could be cheaper for them than another company providing the vehicle.
Some insurance companies do give you a choice, but they charge higher premiums to cover this. I guess you chose to settle a lower premium.
If he admitted liability then going through your insurance company may not enjoy been the best thing.
I would own got my car repaired, hired a replacement vehicle I liked, and sent him the bill. (If he then wish to get his insurance to pay it that's ok near me)
Usually you just get hold of a midget sized courtesy car for the period your own sports car is off the road. Something is better than nothing, I guess, and hopefully it wont be for long. My brother within law had a Ford Ka as a courtesy vehicle and he is a BIG bloke - he looked like he was wearing it!
A zafira isn't a impossible option as a courtesy car, regard yourself lucky you weren't given a Smart
Sorry, courtesy cars are set in your policy. If you want a better curtesy car, you entail to ask for it when you buy your policy. Also you will need fully comp insurance, it's not covered by 3rd party.
If you are non fault and the other party have admitted liability then you can approach the 3rd group insurer to manage your claim ( if they havnt already contacted you ) and move your car into one of their approved repairers and also state that you call for a like for like vehicle for the duration of repairs. Alternatively you can approach an acident admin company who will arrange repairs and a like for like motor but if you are already in a Zafira this is class C/D so you already have an upgraded saloon, just approach who has given you the saloon and ask for a replacement saloon or similar
Some insurers these days donate you the chance to "upgrade" your courtesy car cover for an other premium. However, in fairness to them, where their duty is to provide a courtesy car whilst the insured vehicle is being repaired, it is not economically viable to provide a fleet of high-end vehicle for customers to utilise.
Smaller, cheaper to purchase, maintain, repair and run vehicles such as Fiestas, Corsas and the approaching are commonplace.
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