Anyone had a non-fault accident in their 7 ?
Discussion
Just interested to know how anyone got on with the provision of a replacement vehicle. Someone revered into my 7 a few days ago and it needs to be inspected and repaired (hopefully new nosecone & paint) but the 3rd parties insurers obviously don't want to provide a like for like loan car (on the basis of cost) but have offered a Merc Coupe as they think that is a befitting replacement for the duration - thoughts ??
I was in exactly the same position as you two years ago when somebody suddenly put their car into reverse at a T-junction and slammed into the front of my R400.
He admitted full liability throughout the process but the insurance company couldn't provide me with another 7 so they paid me a daily rate instead which was ideal as I had other cars to use. I seem to recall I got £72 per day as that would have been the cost of the hire car. I ended up doing very well out of it to be honest.
Hold your ground and insist if they cannot give you a 7 to use then you'll take the cash equivalent whilst it's off the road.
He admitted full liability throughout the process but the insurance company couldn't provide me with another 7 so they paid me a daily rate instead which was ideal as I had other cars to use. I seem to recall I got £72 per day as that would have been the cost of the hire car. I ended up doing very well out of it to be honest.
Hold your ground and insist if they cannot give you a 7 to use then you'll take the cash equivalent whilst it's off the road.
sfaulds said:
Not sure why you'd expect another Seven? Surely if you need another car, then any car with a minimum of 2 seats and a small boot would do?
By extension then.You have a 4 door, SUV say a BMW/Audi/Merc/Jag - Should you accept a Dacia Duster as replacement - I mean they are pretty similar right?
I can't believe people actually think this. Or why I think completely differently!
A courtesy car isn't designed to put you in the same position as if you had your car. It's designed to provide the reasonable travel utility you had.
So no you are not entitled to another 7. You should expect some reasonable transport.
Bert
A courtesy car isn't designed to put you in the same position as if you had your car. It's designed to provide the reasonable travel utility you had.
So no you are not entitled to another 7. You should expect some reasonable transport.
Bert
justleanitupabit said:
sfaulds said:
Not sure why you'd expect another Seven? Surely if you need another car, then any car with a minimum of 2 seats and a small boot would do?
By extension then.You have a 4 door, SUV say a BMW/Audi/Merc/Jag - Should you accept a Dacia Duster as replacement - I mean they are pretty similar right?
As Bert says, it’s not meant as a replacement. And as one is meant to mitigate one’s loss, even if not at fault, a courtesy car that fulfills the basic function is considered enough.
I stand to be corrected.
Just a quick one.
There are insurance policies that do provide like for like (or upmarket/superior !) replacement cars in the event of an accident, but you do have to pay an additional premium.
Generally I have found that if a courtesy car is offered under a standard policy it states that it will be a car of their choice usually a small engined runabout.
There are insurance policies that do provide like for like (or upmarket/superior !) replacement cars in the event of an accident, but you do have to pay an additional premium.
Generally I have found that if a courtesy car is offered under a standard policy it states that it will be a car of their choice usually a small engined runabout.
BertBert said:
I can't believe people actually think this. Or why I think completely differently!
A courtesy car isn't designed to put you in the same position as if you had your car. It's designed to provide the reasonable travel utility you had.
So no you are not entitled to another 7. You should expect some reasonable transport.
Bert
Well yes but the point being when it comes to something beyond the norm - like a Caterham the line is naturally significantly blurred. IIRC Insurers go by "vehilcle class" quite how wide ranging that class is is the answer.A courtesy car isn't designed to put you in the same position as if you had your car. It's designed to provide the reasonable travel utility you had.
So no you are not entitled to another 7. You should expect some reasonable transport.
Bert
I'd suggest to have a 7 in the same class as a merc hatch is wrong - in the similarly if I found myself having a Dacia in lieu of (say) a Bentayga I think I'd feel a little hard done by. (Despite both being SUV).
I haven't read your insurance policy, but I'm willing to bet that it doesn't mention "vehicle class". Here's what Admiral have to say on the matter.
https://www.admiral.com/magazine/guides/motor/gett...
So, if you want a courtesy car whilst your Bent-ayga is being straightened that is in the same league, you would have needed to have chosen your insurance to provide that cover.
ETA: are you also of the view that insurance is there to put you in the exact position you were in pre-accident?
Bert
https://www.admiral.com/magazine/guides/motor/gett...
So, if you want a courtesy car whilst your Bent-ayga is being straightened that is in the same league, you would have needed to have chosen your insurance to provide that cover.
ETA: are you also of the view that insurance is there to put you in the exact position you were in pre-accident?
Bert
justleanitupabit said:
Well yes but the point being when it comes to something beyond the norm - like a Caterham the line is naturally significantly blurred. IIRC Insurers go by "vehilcle class" quite how wide ranging that class is is the answer.
I'd suggest to have a 7 in the same class as a merc hatch is wrong - in the similarly if I found myself having a Dacia in lieu of (say) a Bentayga I think I'd feel a little hard done by. (Despite both being SUV).
I'd suggest to have a 7 in the same class as a merc hatch is wrong - in the similarly if I found myself having a Dacia in lieu of (say) a Bentayga I think I'd feel a little hard done by. (Despite both being SUV).
I did not expect another R500 but I thought it maybe reasonable to expect a lesser 7 or say an MX5 - I use the car a lot this time of the year and it remains taxed until end August or Septemeber depending on the sun ! after that its usually laid up and only comes out to be trailered to a trackday. Its not the same going out on a sunday am in my van !
Ziplobb said:
I did not expect another R500 but I thought it maybe reasonable to expect a lesser 7 or say an MX5 - I use the car a lot this time of the year and it remains taxed until end August or Septemeber depending on the sun ! after that its usually laid up and only comes out to be trailered to a trackday. Its not the same going out on a sunday am in my van !
if you can be arsed to humour me, what does your insurance policy say in regard to courtesy cars?Is the 7 your only car?
When you're in the process of an insurance claim, it's your responsibility to keep costs to a minimum. When the claim finally goes through, if the insurance company can see that you own another vehicle you could have used instead, they'll dig their heels in and be prepared for a long battle to get the money back.
The hire car costs tend to be at least £100 a day, and depending on how long your repair takes, it can add thousands to the policy. (I got hit in my Megane Cup a few years back and after a 4 month repair wait the hire car costs were greater than the repair bill).
All you have to do is google or search on here about insurance companies not paying up for hire cars and you'll find plenty of results. Honestly, if you have another car, use it instead and save yourself the risk of dragging the claim out for months. Unfortunately the fact that you would have used your car for weekends in the summer won't wash with the insurance.
Honestly, if I was in your situation I'd turn down the hire car, use your van and get the 7 sorted. (you'll hate whatever car they give you anyway!).
When you're in the process of an insurance claim, it's your responsibility to keep costs to a minimum. When the claim finally goes through, if the insurance company can see that you own another vehicle you could have used instead, they'll dig their heels in and be prepared for a long battle to get the money back.
The hire car costs tend to be at least £100 a day, and depending on how long your repair takes, it can add thousands to the policy. (I got hit in my Megane Cup a few years back and after a 4 month repair wait the hire car costs were greater than the repair bill).
All you have to do is google or search on here about insurance companies not paying up for hire cars and you'll find plenty of results. Honestly, if you have another car, use it instead and save yourself the risk of dragging the claim out for months. Unfortunately the fact that you would have used your car for weekends in the summer won't wash with the insurance.
Honestly, if I was in your situation I'd turn down the hire car, use your van and get the 7 sorted. (you'll hate whatever car they give you anyway!).
BertBert said:
I can't believe people actually think this. Or why I think completely differently!
A courtesy car isn't designed to put you in the same position as if you had your car. It's designed to provide the reasonable travel utility you had.
So no you are not entitled to another 7. You should expect some reasonable transport.
Bert
Agree with you, but its the toxic entitlement culture that some value in this society, a Merc Coup is a sporty vehicle and quite comfortable, most people do not use a 7 for a daily drive. I reckon the OP should have a 2 seat smart car with a sunroof as an "equivalent vehicle" A courtesy car isn't designed to put you in the same position as if you had your car. It's designed to provide the reasonable travel utility you had.
So no you are not entitled to another 7. You should expect some reasonable transport.
Bert
Wanchaiwarrior said:
BertBert said:
ETA: are you also of the view that insurance is there to put you in the exact position you were in pre-accident?
I am.Is that not the case then ?
In some cases, like if you get some form of new for old cover on a new car, you get pretty close if it's knicked.
Bert
PS there are a few special things in car insurance for example the RTA determines the third party liability cover requirements.
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