Land Rover Insurance "excess protect voucher"
Discussion
I was involved in an accident in my six month old Range Rover recently, and decided to take up an offer from Land Rover insurance (acting through Kindertons) for a £250 excess protect voucher if we used their services.
A decision has been made on the claim and we've been found liable, but Kindertons are now stating that this is the one situation where they won't pay out their excess protect voucher as they can't claim the cost back from the third party.
This begs the question what the whole point of this is? I understand there are two potential outcomes...
1. Third party is liable -> Third party's insurer pays for repairs, and no excess is payable by me, so no excess protect voucher to claim.
2. We are held liable -> Our insurer pays for repairs, and the excess is payable by us.
...the second option appears to be the only situation where an excess comes into play, and where an "excess protect voucher" could be used, and yet paradoxically it appears to be the only situation where Kindertons won't honour their voucher.
Surely this can't be correct?
A decision has been made on the claim and we've been found liable, but Kindertons are now stating that this is the one situation where they won't pay out their excess protect voucher as they can't claim the cost back from the third party.
This begs the question what the whole point of this is? I understand there are two potential outcomes...
1. Third party is liable -> Third party's insurer pays for repairs, and no excess is payable by me, so no excess protect voucher to claim.
2. We are held liable -> Our insurer pays for repairs, and the excess is payable by us.
...the second option appears to be the only situation where an excess comes into play, and where an "excess protect voucher" could be used, and yet paradoxically it appears to be the only situation where Kindertons won't honour their voucher.
Surely this can't be correct?
pcdj said:
I was involved in an accident in my six month old Range Rover recently, and decided to take up an offer from Land Rover insurance (acting through Kindertons) for a £250 excess protect voucher if we used their services.
A decision has been made on the claim and we've been found liable, but Kindertons are now stating that this is the one situation where they won't pay out their excess protect voucher as they can't claim the cost back from the third party.
This begs the question what the whole point of this is? I understand there are two potential outcomes...
1. Third party is liable -> Third party's insurer pays for repairs, and no excess is payable by me, so no excess protect voucher to claim.
2. We are held liable -> Our insurer pays for repairs, and the excess is payable by us.
...the second option appears to be the only situation where an excess comes into play, and where an "excess protect voucher" could be used, and yet paradoxically it appears to be the only situation where Kindertons won't honour their voucher.
Surely this can't be correct?
Have you got any documentation or looked at the scheme on the LandRover website?A decision has been made on the claim and we've been found liable, but Kindertons are now stating that this is the one situation where they won't pay out their excess protect voucher as they can't claim the cost back from the third party.
This begs the question what the whole point of this is? I understand there are two potential outcomes...
1. Third party is liable -> Third party's insurer pays for repairs, and no excess is payable by me, so no excess protect voucher to claim.
2. We are held liable -> Our insurer pays for repairs, and the excess is payable by us.
...the second option appears to be the only situation where an excess comes into play, and where an "excess protect voucher" could be used, and yet paradoxically it appears to be the only situation where Kindertons won't honour their voucher.
Surely this can't be correct?
At a glance, they're talking nonsense.
That's promising to hear, but unfortunately I don't.
Their 'View Key Facts' link on the page - http://landrover.gi/ownership/insurance/excess-pro... - goes nowhere, with a "page not found" error.
The only limited information I have regarding any of their services is on the above page, and they've never sent me any terms and conditions/contracts throughout the claim (but have sent other correspondence).
Their 'View Key Facts' link on the page - http://landrover.gi/ownership/insurance/excess-pro... - goes nowhere, with a "page not found" error.
The only limited information I have regarding any of their services is on the above page, and they've never sent me any terms and conditions/contracts throughout the claim (but have sent other correspondence).
"Purchase a new Land Rover and you will qualify for one year's complimentary Excess Protect insurance worth up to £250. Excess Protect reimburses you up to £250 for any excess payment* made under your motor insurance policy, helping to alleviate the financial impact of a motor accident."
https://www.landrover.co.uk/ownership/insurance/in...
It specifically talks about when it's your fault too - "Where we manage the vehicle repair, we will do so in conjunction with your motor insurer if the accident was your fault, or the other driver’s insurer if they were at-fault and if they have accepted liability."
You have to call them BEFORE your insurer. I thought they basically act as an accident management scheme and made money by dealing with the repairs for you and any hire car costs if you are not at fault.
Complain, then take it to the ombudsman if they fob you off.
https://www.landrover.co.uk/ownership/insurance/in...
It specifically talks about when it's your fault too - "Where we manage the vehicle repair, we will do so in conjunction with your motor insurer if the accident was your fault, or the other driver’s insurer if they were at-fault and if they have accepted liability."
You have to call them BEFORE your insurer. I thought they basically act as an accident management scheme and made money by dealing with the repairs for you and any hire car costs if you are not at fault.
Complain, then take it to the ombudsman if they fob you off.
pcdj said:
This begs the question what the whole point of this is? I understand there are two potential outcomes...
1. Third party is liable -> Third party's insurer pays for repairs, and no excess is payable by me, so no excess protect voucher to claim.
2. We are held liable -> Our insurer pays for repairs, and the excess is payable by us.
...the second option appears to be the only situation where an excess comes into play, and where an "excess protect voucher" could be used, and yet paradoxically it appears to be the only situation where Kindertons won't honour their voucher.
Surely this can't be correct?
There is option 3, which is very common. You're not at fault, but the tp is disputing it. So you have to claim off your own policy, and pay the excess, that the ARC will hope to claim back in the fullness of time, maybe in court if required. This could be where the voucher kicks in, a bit like credit hire. They front the cost assuming they can claim it back from the tp, and if they can't, which will not be that often, they agree to swallow the cost. 1. Third party is liable -> Third party's insurer pays for repairs, and no excess is payable by me, so no excess protect voucher to claim.
2. We are held liable -> Our insurer pays for repairs, and the excess is payable by us.
...the second option appears to be the only situation where an excess comes into play, and where an "excess protect voucher" could be used, and yet paradoxically it appears to be the only situation where Kindertons won't honour their voucher.
Surely this can't be correct?
Did you ring Kindertons before anyone else, and who did the repairs for you?
The terms are that you need to Call them before you speak to your insurers, and you will have to use one of their approved repairers.
If you have gone through your insurance first and then tried to claimt he excess protection, you will be unable to.
(I Used to work for Kindertons)
The terms are that you need to Call them before you speak to your insurers, and you will have to use one of their approved repairers.
If you have gone through your insurance first and then tried to claimt he excess protection, you will be unable to.
(I Used to work for Kindertons)
Smurfsarepeopletoo said:
Did you ring Kindertons before anyone else, and who did the repairs for you?
The terms are that you need to Call them before you speak to your insurers, and you will have to use one of their approved repairers.
If you have gone through your insurance first and then tried to claimt he excess protection, you will be unable to.
(I Used to work for Kindertons)
Yes, played by all the rules. Called them first. Took their hire car. Used their recommended repair shop. Etc.The terms are that you need to Call them before you speak to your insurers, and you will have to use one of their approved repairers.
If you have gone through your insurance first and then tried to claimt he excess protection, you will be unable to.
(I Used to work for Kindertons)
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