Daniel_Corsa
Premium Member
Registered: 21st Apr 04
Location: Wigton, Cumbria
User status: Offline
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Very nice!!!!!
April '06' Corsasport Feature Car  | Aug '08' Total Vauxhall Feature Car | Spring '09' Fast Car Feature Car
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Twiggy
Member
Registered: 15th Oct 04
User status: Offline
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Bet he is not liking the petrol bill! 
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SXI - Matt
Member
Registered: 8th Jul 07
Location: Leicestershire Drives: Corsa C SRI
User status: Offline
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quote:
Originally posted by Twiggy
Bet he is not liking the petrol bill!
For a week I wouldn't mind what the bill was a good way to blow a bit of money
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CORSA NUT
Member
Registered: 3rd Aug 01
Location: Wirral
User status: Offline
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quote:
Originally posted by Nismo
Awesome, id call in sick and rag that around all day
My boss would give me the day off on principal alone
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BluKoo
Member
Registered: 8th Apr 02
Location: Stonehaven (Scotland)
User status: Offline
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Amazing. My dad once got an MGF in return for the 911 when he put it in for a service.
I couldn't believe it
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LeeM
Member
Registered: 26th Sep 05
Location: Liverpool
User status: Offline
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quote:
Originally posted by BYRON
......and this is why credit hire is so lucrative for all the wrong reasons.
The 'at fault' insurer will probably be hit for a bill upwards of £600 per day for that.
i used to deal with both defending and chasing claims like this. not a chance in hell the at fault insurer will pay for it. first they need to show need for a vehicle, usually pretty easy. but with it being a prestige vehicle over 6 years old (im assuming it is being an E46) then proof needs to be shown that he needs a prestige vehicle.
depending on the hire company, this guy may well be in a nice new M3 at the moment, but when the at fault insurer knock back the claim and pay the daily rate for a perfectly suitable focus or astra at £60/day the hire company could perfectly legally bill him for the rest due to the fact he's signed hire agreement which holds him liable.
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BYRON
Member
Registered: 1st Jun 04
User status: Offline
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LeeM - Slight scare mongering there. I too have alot of experience in credit hire, and our stipulation to the credit hire company is that no car is to be provided unless costs are relaimed by them and there is no risk to the driver. Occasionally the at fault insurer pushes back and it goes through court - but the driver is protected.
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LeeM
Member
Registered: 26th Sep 05
Location: Liverpool
User status: Offline
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slightly yes, but still fact. the M3 is in SP10 by GTA rates, the 318 coupe is SP5 so straight away with no question of need that will be questioned.
my main point is that insurers are well on the ball nowadays and arent just paying out whatever theyre asked for they get a bill for an SP10 which the M3 fall into, they wont have any obligation to pay any more than the SP5 of the 318 coupe, and even then they can get away with paying less unless this guy genuinely has a need for that type of vehicle
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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what do you mean by 'then proof needs to be shown that he needs a prestige vehicle'?
so if the guy gets his lovely nice prestigous motor smashed up because some retard wasn't paying attention, they have to drive around in some shopping trolley?
ok this is an extreme example (e46-new m3), but i'd expect a similar car to mine if it got crashed into.
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Robin
Premium Member
Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
User status: Offline
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I thought we did well with a brand new 320d when we had our E46 325ci repaired!
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LeeM
Member
Registered: 26th Sep 05
Location: Liverpool
User status: Offline
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quote:
Originally posted by Ben G
what do you mean by 'then proof needs to be shown that he needs a prestige vehicle'?
so if the guy gets his lovely nice prestigous motor smashed up because some retard wasn't paying attention, they have to drive around in some shopping trolley?
ok this is an extreme example (e46-new m3), but i'd expect a similar car to mine if it got crashed into.
it gets complicated, if theres an image to be upheld and stuff then theres the need. if all you use the car for is to travel to work and back then theres no need to inflate costs by hiring a prestige vehicle when an astra/focus would achieve the same goal.
while you have an entitlement to be put in a position no worse than you were prior to the accident you also have a stronger legal obligation to mitigate costs. mitigation wins so with no proof of need for a prestige vehicle then the at fault insurer has no obligation to pay the inflated costs for a sports/exec vehicle.
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sc0ott
Member
Registered: 16th Feb 09
User status: Offline
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What makes this different to a normal m3 other than the black wheels?
Reminds me of the limited edition corsa with the black wheels and roof. Pointless imo.
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LeeM
Member
Registered: 26th Sep 05
Location: Liverpool
User status: Offline
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im not trying to piss on anyones bonfire, im just countering the complaints that this is why insurance is so high. ultimately this sort of upgrade should only cost the accident management/hire company rather than an insurer.
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taylorboosh
Member
Registered: 3rd Apr 07
User status: Offline
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John-d was given a mini vert when his m3 went in, asked for a m3 but was refused
[Edited on 04-12-2012 by taylorboosh]
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LeeM
Member
Registered: 26th Sep 05
Location: Liverpool
User status: Offline
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http://apps.abi.org.uk/tphire/documents/
section 4, specifically 4.5 covers rules on prestige. im not talkin bollocks
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davieslim
Member
Registered: 15th Sep 08
Location: Glasgow City
User status: Offline
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my mates customer got crashed into with his n plate fiat brava and they gave him an m3 and my dads old y plate freelander got hit they gave him a new 535d msport tourer lol
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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quote:
Originally posted by LeeM
quote:
Originally posted by Ben G
what do you mean by 'then proof needs to be shown that he needs a prestige vehicle'?
so if the guy gets his lovely nice prestigous motor smashed up because some retard wasn't paying attention, they have to drive around in some shopping trolley?
ok this is an extreme example (e46-new m3), but i'd expect a similar car to mine if it got crashed into.
it gets complicated, if theres an image to be upheld and stuff then theres the need. if all you use the car for is to travel to work and back then theres no need to inflate costs by hiring a prestige vehicle when an astra/focus would achieve the same goal.
while you have an entitlement to be put in a position no worse than you were prior to the accident you also have a stronger legal obligation to mitigate costs. mitigation wins so with no proof of need for a prestige vehicle then the at fault insurer has no obligation to pay the inflated costs for a sports/exec vehicle.
i completely agree with you and tbh i wouldn't be too bothered about getting a diesel hatch to travel to work, but what about at weekends when i want to get the roof down and enjoy the weather (if it's nice).
surely i have a right to be entitled to that?
if the argument is that there must be a need to own a luxury/prestigous/high end motor then that hits a road block straight away as a mondeo/insignia will be sufficient.
it just seems to me that it would never hold up in court because cars are never 'needed', more wanted, hence why we don't all drive the same car.
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John
Member
Registered: 30th Jun 03
User status: Offline
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quote:
Originally posted by taylorboosh
John-d was given a mini vert when his m3 went in, asked for a m3 but was refused
[Edited on 04-12-2012 by taylorboosh]
That wasn't for a crash though was it?
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LeeM
Member
Registered: 26th Sep 05
Location: Liverpool
User status: Offline
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quote:
Originally posted by Ben G
i completely agree with you and tbh i wouldn't be too bothered about getting a diesel hatch to travel to work, but what about at weekends when i want to get the roof down and enjoy the weather (if it's nice).
surely i have a right to be entitled to that?
if the argument is that there must be a need to own a luxury/prestigous/high end motor then that hits a road block straight away as a mondeo/insignia will be sufficient.
it just seems to me that it would never hold up in court because cars are never 'needed', more wanted, hence why we don't all drive the same car.
yep, usually in court it goes the way of the at fault insurer and costs are reduced. things like company directors, sales managers etc where there is potentially an image to uphold with customers etc cover the prestige class.
theres financial benefit to settle early, ie the M3 will be billed at £600 which is the spot hire rate, once billed if the tpi pay it immediately they'll get it at about £300, 30 days later 7.5% penalties apply, then 30 days later 15% then after 90 days theyre liable for the full £600. then with the risk the full rate will be upheld in court, theyre more inclined to pay early without going to court based on a weak "need"
thats where the groups come into it, the 318 coupe is a lower group (sp5) than the M3 (sp10) so the max payable by the ABI guidelines is the SP5 rate.
so arguably there may not be a need for a prestige/sport vehicle, but is it worth the risk of paying a spot rate on SP5 in court than just accepting a weak need and paying the early ABI rate on that.
going off on a tangent, but still the TPI wont be paying for that M3
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Ben J
Member
Registered: 31st Jan 05
Location: Cheshire
User status: Offline
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FFS. What's happened to the days of "oooh an M3 courtesy car, EPIC"
Why all the politics???
Bet Tom is so glad he made this thread now.
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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do you not find it interesting, Ben J?
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Ben J
Member
Registered: 31st Jan 05
Location: Cheshire
User status: Offline
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No. I find it boring.
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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 it gives us normal guys an insight into the mind of insurance companies.
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Graham88
Member
Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
User status: Offline
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Cool as fuck! I was happy to get a brand new VW 2 litre tdi jets when I crashed my 03 plate 1.4 Fiesta!
[Edited on 04-12-2012 by Graham88]
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Joe
Member
Registered: 20th Jun 04
Location: Hesketh Bank, Lancashire
User status: Offline
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My old mans had a Chevy matiz and a Honda jazz last time his car went into Aston.
[Edited on 04-12-2012 by Joe]
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