Is this a common motor insurance ploy??

  csqwared 16:32 09 Dec 2014

Earlier this year my neighbour ran into the back of my parked car. He rang his insurance company admitting liability and my vehicle was subsequently repaired during which time my insurance company provided me with a hire car as set out in my policy and paid for by them.

I have now been contacted by my insurance company's solicitor wanting me to attend court as the other insurance company are refusing to pay the cost of the hire car. I have been told I have two options: go to court, with the possibility of losing the case and subsequently have to pay the excess or, don't go to court where it will be deemed an 'at fault' claim, pay the excess and lose my no claims entitlement. So either way I finish up paying although it wasn't my fault. Not even in the car.

I have spoken to the insurance ombudsman and the financial ombudsman who both say this is how the insurance companies work and there is little I can do.

Can't be right surely?

  john bunyan 17:44 09 Dec 2014

I pay a little extra on my insurance to cover legal costs - do you? Do you have a witness? You have a strong case if he ran into the back of you so I would go.

  onthelimit1 19:02 09 Dec 2014

I don't understand why you are required to go to court - he admitted liability for the accident, so what case is there to answer. I would like to know as this sort of thing can affect any of us!

  csqwared 19:21 09 Dec 2014

It appears there is a difference between 'courtesy car' and 'hire car'. Under the terms of my policy, in the of event an accident, the insurer will provide me with a hire car, from Enterprise as it turned out, organised and paid for by them. This is where the other insurer seems to have a problem, they believe I am financially capable of hiring my own vehicle, hence they are refusing to pay that part of the claim. Had it been a 'courtesy car' there would be no problem.

Strangely enough this happened to my sister last Ch......mas(FE might be watching!!), different insurers and she had to provide financial statements etc. and it was only a few days prior to the court case before the other company agreed to pay up.

My point is that this is a wrangle between the insurers surely and we, as customers, should not be subject to this hassle and pressure.

  bumpkin 20:44 09 Dec 2014

csqared, not fair at all but it was you that made the claim for the cost of the hire car on your own insurance. If the other company will not pay for that then your company has suffered a loss and will expect you to pay the excess and as you have made a claim reduce your bonus.

  carver 09:25 10 Dec 2014

All you have to do is attend court, the ability to pay for a hire cars should not arise unless you went over the top and say hired a Rolls for a few weeks.

If the accident was a result of a driving fault caused by your neighbour then the other side will have to pay for any expense caused to you or your insurance company.

Don't forget that if you do have to attend court then you can also claim for a days wage or other expenses connected to the case.

  csqwared 09:41 10 Dec 2014


The hire car in question was provided and organised by my insurance company on a like for like basis (I have a Mondeo they gave me an Insignia) as provided for in the terms of my insurance.

What galls me about all this is the fact I am being seriously inconvinienced with a possible finacial loss when none of it was my fault.

  sunnystaines 10:53 10 Dec 2014

possible finacial loss when none of it was my fault. Claim this cost at the end of the hearing.

  spuds 12:05 10 Dec 2014

If you have any breakdown cover, then perhaps check if they provide legal advice into their terms and conditions on their cover, and if so, try them for further advice. Both my breakdown and vehicle insurance cover have these provisions, with the legal advice being provided via a third party company.

Seeing that you have already taken the 'ombudsman' route, then the advice given by both of them would have to be taken into consideration, but also think that it might not always be 100% correct and final.

Not sure though about the 'attending court' part, because is it for you to appear as a witness or is it the case that the 'other party' are actually taking you to court, because it seems rather strange the way you have described things, and perhaps the way the insurance company solicitor as approach you, without perhaps explaining further. I would say that it is even more strange, that your insurance company did all the 'hiring' yet at the time neither made any mention about you having the responsibility to meet the final bill.If it was me, then I would certainly ask or question this.

Another point that some people take and others do not, is the addition of part of the insurance policy a no-claims protection discount, that might cover future renewals, claims and discounts.

I am by no means a legal expert and neither is anyone else on this forum, unless they can produce the appropriate professional qualification, so my advice is the route I would personally consider and take on an issue like this.

  sunnystaines 12:20 10 Dec 2014

many years ago in 80's had a slight knock of bumpers, exchanged names etc then just short of three yers later out of the blue had papers served on me for whip lash. i contacted the old insurance i had at the time only to find they had since gone bust so had to contact their reciever. I said happy to go to court to fight the claim. I chashed them up a few months later for an update only to find they gave her ten grand as it was not worth contesting.

  spuds 13:19 10 Dec 2014


A very fair comment, which I suspect is happening all the time. Many people do not , or do not want to report any 'knocks' due to the risk of future insurance renewals. But sometimes, a year or more later, these things can come back an haunt you.

A couple or more years ago, I was coming out of the local supermarket car park, when the rather solid Volvo estate in front of me suddenly braked, " due to student's from the local college suddenly running in front of the vehicle". No apparent damage to the Volvo and only very slight 'knock' to my front bumper, caused by a towbar attachment. Reported the incident to my insurance company, for notification reason, which went down as a claim, even though I only wanted to report the incident.

Nothing further was heard from the other vehicle user, and to this day I still suspect something was not right. The vehicle belonged to a female, the driver at the time was a male and seemed very unsure, even though we exchanged details. That could have easily ended up the worse, but I suspect the insurance company may have allowed for this. This is were my no-claims discount protection cover came into action, and possibly saved the day, for future vehicle insurance cover.

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