LeeM
Member
Registered: 26th Sep 05
Location: Liverpool
User status: Offline
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quote:
Originally posted by Phil W
Can you use Help Hire or do you need to know the other parties insurance company for that?
give them the reg and all the details and they'll decide whether or not to take it on. help hire are cunts for pushing hire cars on people they dont really need though which can leave the customer with a bill for it
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Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Offline
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quote:
Originally posted by LeeM
you could try an accident management company, AI, Helphire, drive assist. they'd happily take on the claim and deal with it for you so you dont have to get too involved
They have no more legal power than this guy 
Reason the industry is on its arse.
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Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Offline
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Out of interest and before Help Hire or any other parasites are appointed, I want to hear the outcome of asking the Police about s154 and the response from the DVLA about that V888.
Until then, do not appoint a company who are not there to help you out, there are there to cost the industry; read you and me; lots of money.
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Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
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quote:
Originally posted by Ian
If an insurance company were not interested in your claim history they wouldn't ask you. They ask you to establish your risk and in many cases, load the premium.
Direct line have only ever asked me if i have had any fault accidents in the last 5 years, never enquire about non faults.
If it does affect your premium it cant do by much as iv always had a pretty steady reduction in my premiums either side.
When i had a fault accident my premium went up loads the next year, in comparison to non faults where it seemed to just go down a similar rate as to the previous year where no non faults were claimed through my insurance.
That said im a firm believer of paying for what you get and do believe that some cheaper insurance companies may well sting you for a rise following a non fault claim.
Direct line have also always specifically said that it doesnt incur a premium hike, not sure they could get away with saying that legally
[Edited on 30-10-2011 by Steve]
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Colin
Member
Registered: 4th Apr 02
User status: Offline
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He's just resigned to the fact he's going to pay for it himself to allay any concerns about his insurance going through the roof for the next 5yrs!!
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Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
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Also help management companies are as bad and as big a waste of time as debt management companies.
just exist by praying on peoples fears
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Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Offline
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quote:
Originally posted by Colin
He's just resigned to the fact he's going to pay for it himself to allay any concerns about his insurance going through the roof for the next 5yrs!!
Has he even spoken to the Police again or the DVLA?
[Edited on 30-10-2011 by Ian]
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Colin
Member
Registered: 4th Apr 02
User status: Offline
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Just the police who said point blank he had to contact his own insurance which he doesnt want to do.
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LeeM
Member
Registered: 26th Sep 05
Location: Liverpool
User status: Offline
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an accident management company will fix the car on credit, if he doesnt have a hire car from them the only extra fee they charge is a £30 admin fee to the other insurer.
the benefit of using them is that they can do a MID check and get the insurance details straight away and submit a claim notification straight to them. depending on the insurer they may even get in touch and offer to deal with you directly and cut out the accident management company
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John
Member
Registered: 30th Jun 03
User status: Offline
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Yes because the accident management company will be costing them an absurd amount of money that they otherwise wouldn't have to waste.
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LeeM
Member
Registered: 26th Sep 05
Location: Liverpool
User status: Offline
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quote:
Originally posted by John
Yes because the accident management company will be costing them an absurd amount of money that they otherwise wouldn't have to waste.
not if its repair only. proceedure is to get an engineers report from an independant engineer, send it to the at fault insurer for them to agree or dispute costs, send the bill at cost with £30 admin. the money is made by the AM company having agreements in place with bodyshops to knock 10% of the total monthly bill.
its the hire cars that cost a fortune, there a set of agreed "discounted" rates between insurers and AM companies but even then they start at £30/day. and if they go like for like on things like bmw's, mercs and porsches it can go as high as £400 a day
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MarkM
Member
Registered: 11th Apr 01
Location: Liverpool
User status: Offline
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AMCs make a lot of money for doing very little. They'll be on kickbacks for everything. Also the "independent" engineer won't also be giving kickbacks to the AMC? Not really independent if they use them all the time.
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Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Offline
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Costs no more than £30  OK
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LeeM
Member
Registered: 26th Sep 05
Location: Liverpool
User status: Offline
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they do, if its a repair only case the max they can charge to the at fault insurer is the cost of repairs and a £30 admin. when theres hire its a £30 admin for hire and £20 for repair. its the daily hire which is ridiculously priced.
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Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Offline
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And the discount which everyone else negotiates anyway, which they also pocket.
No possible way they have offices and staff earning £30 per job.
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LeeM
Member
Registered: 26th Sep 05
Location: Liverpool
User status: Offline
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no they get bulk discount from repairers, very few claims are repair only and theyre offset by 200% profit margins on hire claims
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Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Offline
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They're still unnecessary.
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LeeM
Member
Registered: 26th Sep 05
Location: Liverpool
User status: Offline
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They'll get the job done though, car fixed and paid for then they do all the work to get the money back from the other insurer without colins mates insurer ever finding out anything about it. No claim to declare, no increased premium, no cost.
Yeah no one agrees with AMC's but we also don't agree with paying increased premiums for non fault claims
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Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Offline
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Loading for non-fault is something some insurers do. Not all, but some and in the course of declaring for five years you'll probably come across one.
Taking money to do things that a regular motorist can do is a drain on the industry. I know it wouldn't cost Colin's mate money, that isn't my point. It costs the industry money and that gets passed on.
AMCs major costs are what - staffing? That's a lot of people sitting in offices putting the bill in "on behalf" of other people who are either stupid of lazy. Easy money of course. I just object to funding it.
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