Car insurance- courtesy car and hire cars.

[whitenessie]

We had a car accident due to black ice and insured with Admiral. Just a few pointers to note regarding the claim

They said we had not used one of their garages for recovery so we're not covered. This was OK when they realised that their garage was in the North of Scotland BUT if you have an accident it may be safer to contact your insurance before recovery is booked.

The body repairs - again they do not have a garage on Shetland, note if they give the go ahead to use a garage here who said that, date and time, as every call we make they seem to have missed reading this. In their notes.

There is a difference between hire car and courtesy car. This may be obvious to most people BUT if your car can be repaired and you have fully comp your insurance may state you can have a courtesy car.

1

From their arranged garage and if they don't have one, from their chosen car hire firm ... admiral use Enterprise .. That is not in the small print but they insist we cannot have one at the moment. I've suggested them putting an enterprise car on the boat in that case! So they are 'considering' local firms, but worth checking with your insurance.

2.

If the car is a write off you cannot have a courtesy car ..

If you took out the extra hire car insurance you can have a hire car if the car is written off or stolen.

THAT IS AN EXTRA.

Hope this helpful, oh and a courtesy car only comes into operation once the work commences. So Christmas or a time with lots of accidents is very inconvenient!

[whitenessie]

Also if your car is in a body repair garage for insurance assessment, make sure the garage sends in a quote for all the damage. I went to the garage and discovered they had only quoted for a wing and bumper, not the sill, bonnet scratch and dent or driver door scratches or the passenger door that would not open more than 10 cm, nor checked if the engine etc was ok, so a revised quote has to be sent. So we are no further than the day of the accident 8th December 2015 and still no car.

With the garage not being a garage used by the insurance company when they do work, if it is not satisfactory or complete, the insurance co will not take responsibility. I advise phoning the insurance co to see what has been put on the estimate for repair.

Crossed fingers that a revised quote goes in soon.

[zebedee]

Hope it gets sorted son

Soon!!

[whitenessie]

Estimate now with Admiral.... Waiting for their desicision.