Bugger

[BoristheBounce]

Is it the insurance company or an accident management company that is offering these cars?

Personally I would go for the Mini, because expensive hire cars push up insurance company costs which get passed on to customers through increased premiums.

I know it would be a drop in the ocean - and be more than offset by those who do the polar opposite - but if I don’t do the right thing then how can I expect others to?

Its from the accident management company DAS. I've turned them all down as it happens I don't need one as the SL is a third car, a sunny day and Sunday car.

 

[st13phil]

Is it the insurance company or an accident management company that is offering these cars?

Sounds more like the latter than the former.

If that's the case, then be aware that you are likely to be required to sign an agreement that says you are liable for the hire costs if the insurer refuses to pay. Also bear in mind that under the law you can claim reasonable costs, but are under a duty to keep those costs to a minimum. So if, for instance, you were to say "Yay! I'll take the Bentley!" then the insurer could well argue that the cost of renting that is excessive and refuse to pay.

How long do they expect to take to fix the damaged car, and what do you need in the way of replacement transport during that period are the key questions that should inform the decision.

I've turned them all down as it happens I don't need one as the SL is a third car, a sunny day and Sunday car.

^ Just saw this as I was typing the above. Wise decision, imo.

 

[chic0821]

No wonder why even lightly damaged cars are are written off. A couple of weeks hire charges could be more than the repair.

 

[Bobby Dazzler]

Its from the accident management company DAS. I've turned them all down as it happens I don't need one as the SL is a third car, a sunny day and Sunday car.

Good decision.

 

[st13phil]

No wonder why even lightly damaged cars are are written off. A couple of weeks hire charges could be more than the repair.

IMO, Accident Management companies do bear a degree of responsibility for driving up motor insurance costs, but we should remember that it was the habitual foot-dragging and general unwillingness to settle fairly by insurance companies that provided the opportunity for them to operate.

Ideally, insurance companies would act promptly and fairly to ensure injured parties are put back in the position they would have been in had the incident not occurred, and there would then be no market space for accident management companies to operate in.

 

[E55BOF]

I'd have done the same, but like you, I have more than one car (and at the moment, two SLK55s, until I get round to putting the R171 up for sale). If I needed a replacement after an accident, it would be different, but I'd prefer to hire something myself rather than line the pockets of an accident management company.

 

[Doodle]

IMO, Accident Management companies do bear a degree of responsibility for driving up motor insurance costs, but we should remember that it was the habitual foot-dragging and general unwillingness to settle fairly by insurance companies that provided the opportunity for them to operate.

Ideally, insurance companies would act promptly and fairly to ensure injured parties are put back in the position they would have been in had the incident not occurred, and there would then be no market space for accident management companies to operate in.

This. When some eejit drove into the back of the Cupra, their insurer (LV) beat VWFS's accident management lot to the punch, put me in something of equivalent quality (not an exact match but that's ok, just don't stick me in a Corsa) and I barely had to lift a finger throughout the process. No reason at all for the management company to get involved.

 

[whitenemesis]

I just love the "or equivalent" caveat on each choice! Who's definition of 'equivalent' do they use? Choose what you like, you'd get whatever they have...

 

[SpikyMikey]

I just love the "or equivalent" caveat on each choice! Who's definition of 'equivalent' do they use? Choose what you like, you'd get whatever they have...

The last time Mrs S had a hire car for one of her jaunts away, I booked her an Octavia Estate (or equivalent).
She was less than enthused when she was presented with....a Vauxhall Mokka.

 

[QUTSELL]

This accident highlights the crazy way drivers can just tick a box on their licence renewal form to say their health and eyesight is ok when they pass 70 and every three years after it,we seem to have got ourselves into a position where we check out cars every year to make certain they are fit for the road but ignore the people driving them.

HGV we had to have a test by optician every year not sure nowadays as won't even think of driving one, enough BOY RACERS

 

[QUTSELL]

So..... the list of loan cars the old guys insurance company have offered which do you thin I should go for

View attachment 126087

Tell them you want a LAMPO so you can join the rest doing 90 on the 30MPH road

 

[E55BOF]

Was that a Streeto Lampo or a Porch (geddit...) Lampo you had in mind?

 

[Doodle]

I just love the "or equivalent" caveat on each choice! Who's definition of 'equivalent' do they use? Choose what you like, you'd get whatever they have...

There's a list provided by the ABI, which the insurers work to (although some obviously choose not to), but the "equivalent" will be down to whatever the hire company provide for that given level.

The Cupra is in group SP4-SP6, for which LV's chosen supplier would have provided a hot Jaguar XE if someone hadn't damaged it the day before. As it was, I ended up with an F-Pace.