smokey85
Member
Hi All,
I have found myself in the same situation, recently - i know i am to blame but i was not aware of this clause when signing / agreeing to the policy (not that it would have mattered, as i never intended to get behind the wheel and cause an accident).
I am just grateful everyone was OK and so was i ...
That said i feel the costs of what they are claiming are extremely excessive.
I love a spreadsheet, so have done some research on the value of the car i hit (costs are well more that the car is worth) and i have worked out via average days hire car costs, that the other party had the hire car for what looks like forever!
After reading a lot of the posts i think the general consensus is to (1) question everything [costs and why item x is included], (2) Do not disclose any financial information (3) aim to drag it out for as long as possibly (4) Go into a payment plan if unsuccessful or concede - which we seem we have to do ??
The bit that confuses and concerns me is their recovery clause -
“6. Right of recovery
If an incident occurs which is not covered by this policy and we are required by the law of any country
to make a payment, we can recover that amount from you or any other insured person.”
How can they possible recover costs from someone not involved in the accident just because they are on the policy - surely this cannot be enforced?
Finally and thanks for reading ...
Is there another advice or tips anyone on the group has to offer if they have been through this themselves?
Regards,
Smokey
I have found myself in the same situation, recently - i know i am to blame but i was not aware of this clause when signing / agreeing to the policy (not that it would have mattered, as i never intended to get behind the wheel and cause an accident).
I am just grateful everyone was OK and so was i ...
That said i feel the costs of what they are claiming are extremely excessive.
I love a spreadsheet, so have done some research on the value of the car i hit (costs are well more that the car is worth) and i have worked out via average days hire car costs, that the other party had the hire car for what looks like forever!
After reading a lot of the posts i think the general consensus is to (1) question everything [costs and why item x is included], (2) Do not disclose any financial information (3) aim to drag it out for as long as possibly (4) Go into a payment plan if unsuccessful or concede - which we seem we have to do ??
The bit that confuses and concerns me is their recovery clause -
“6. Right of recovery
If an incident occurs which is not covered by this policy and we are required by the law of any country
to make a payment, we can recover that amount from you or any other insured person.”
How can they possible recover costs from someone not involved in the accident just because they are on the policy - surely this cannot be enforced?
Finally and thanks for reading ...
Is there another advice or tips anyone on the group has to offer if they have been through this themselves?
Regards,
Smokey