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The Insurance Zone Want to insure your ride but not sure of wheres best.. Well, put a post here and others should be able to help!

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Old 23-04-2021, 06:11 PM   #1
bradleymarky
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Strange one after an accident.

My father in law was in a non blameworthy accident today, the other driver admitted fault and he has a witness.
Within half an hour of sorting the insurance and arranging for a local car repair company to collect the car on Monday he received a call from a nationwide car hire company.
The car hire had already been sorted through the body shop . The car hire company asked him for his insurance policy number which he gave them amongst other details.
How do they get to know so fast, they also said he could have a hire car today which he refused.
My father in law is in his 70’s and does get a bit confused so they really shouldn’t be ringing him.
We are going to do a bit of ringing around tomorrow to see what’s going on.
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Old 23-04-2021, 06:38 PM   #2
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His insurance company will have an agreement with the hire car company and will have passed on his details and those of the repair shop he's using.

Make sure the paperwork says the hire car cost is covered by his insurance, regardless of blame. Also confirm this with his insurance company.

Otherwise, he has simply agreed to hire a car and may end up liable for the cost of hiring it if the claim goes against him for any reason.

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Old 23-04-2021, 11:37 PM   #3
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Body shop will almost certainly get a commission/kick back from the hire company.

I’d guess from what you’ve described likely to be credit hire which means your FiL would ultimately be personally liable for the charges if not recovered from the at fault insurer.
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Old 24-04-2021, 07:35 AM   #4
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Half an hour is seriously quick. That would be really handy if you were in a pickle but not great if your mind is all over the place from the accident.

I hope your Father in Law is okay by the way from it all.
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Old 24-04-2021, 08:20 AM   #5
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Warn him there'll be lots of calls over the next few weeks. My last very small rear end shunt and I had loads of calls. Several checking my back/neck etc were ok! 1pushing me to claim for new booster seats for the kids. Despite telling them the speed was that low 2 polystyrene seats would not be damaged in any way, shape or form he was still adamant I should claim for them!
I was ok but dread to think if it was my elderly mother taking those calls.
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Old 24-04-2021, 08:31 AM   #6
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Remember there would normally be 2 insurance companies knowing about the accident, your dad's and the other party's.

When I had a car written off from a rear end shunt (car was parked and I was not in it), the other party's insurance were falling over themselves to sort me an equivalent luxury car. The thinking is that it was clearly their customer's fault, so by getting in quick, they avoided me going through a claims agent (which is perfectly acceptable) who then sorts everything for me and bumps up the cost for them.

Still had months of calls reminding me to claim about the injury I suffered!
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Old 24-04-2021, 12:37 PM   #7
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I had a rear end shunt and had no issue with nonsense calls. My insurer was leading me towards a management company which I declined due to the likelihood of bumping the cost up. The third party insurer got in touch pretty quick and agreed to sort it all and did so to our satisfaction. We received a cash option for not taking a courtesy car also as we didn't need one.
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Old 24-04-2021, 01:20 PM   #8
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Since it was an non fault accident, I think his insurance company has passed his details on to an accident management company for commission.

I really don't like how insurance companies are allowed to do things like this.
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Old 24-04-2021, 01:25 PM   #9
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As it turns out both are insured by the same company. I’m yet to find out the outcome of the calls this morning
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Old 16-05-2021, 10:58 AM   #10
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I know from my time working at Europcar that the insurance companies had a link into our system (via XML) and would send down a reservation asap. In this case it could well have been as soon as 30 mins once all the details etc were provided. We would then contact the individuals to arrange delivery etc. Back then it was all covered by the insurance companies.
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