Will this T-Cut out?

t3kno_tr0n|c said:
Surely its the other parties insurers that organise everything for the written off car, or is it him that organises it all, and pays it all, then claims it all back?
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There are 4 ways you can deal with it.

1) You can telephone your own insurer and make a claim under your comprehensive cover. You will be treated as if it's a fault claim, have your NCB removed, etc etc. Your insurer will then recover the cost from the third party insurer, and reinstate your NCB once this has happened.

2) You can contact an Accident Management Company who will arrange repair of your car, or a settlement and provide you with a like for like hire car. They then bill the third parties insurer for this.

3) You can take your car and get it fixed, hire yourself a car, and submit the bill to the third parties insurer.

4) You can contact the third parties insurer and ask them to handle it for you, at their cost.

In many cases the third party insurer doesnt see the bill or know what things are costing until after its all done. Then somebody has to pay...

Joshy said:
So Fox, just out of sheer interest do you consider the fact that he got a 207 estate make as much of a mockery of the like for like hire car system as asking for a E90 is?

A 207 estate is not much more "like for like" for a Hot Hatch than a base model E90.
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It's a tad more understandable. It's not supposed to be the same car, it's supposed to be something similar as it's unreasonable to expect a hire firm to have every car ever in stock.

Below a 207 Estate will be something like a Ford Ka, clearly not acceptable in this case. So, whilst a 207 Estate (It isnt really an Estate anyway its a big hatchback) isn't a C2 VTS it's at least 'similar'. Lets be clear here, the C2 VTS isn't a hot hatch like a Clio 197 is.

To put it into context, people who drive an E Class are often offered a C Class - which is a downgrade - and this is considered like for like.

The point in like for like is to avoid giving the guy with the Mercedes E55 AMG Estate a Ford Ka for 2 weeks, or the guy with the Land Rover Discovery a Ford Focus diesel, or the guy with the Fiat Punto a Maybach.

It's something roughly similar, at 'reasonable cost'.
 
mjt said:
Unlucky.
I've seen some ridiculous parking today and I hope that those cars do get smashed into.
But it'll be the other person who'll suffer :(
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Why would you hope a car gets damaged due to where they are parked? What a strange comment :confused:
 
Adam said:
This is a fair question. If Fox got so upset that it looked as if he would get a 3 series (which I completely agree with), how do you feel now it's gone the other way? That to me is not a like for like vehicle.
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I don't think its gone that far the other way, frankly. There are many areas in which the two cars are roughly comparable and as I've covered above, it's not as if they can hire him a C2 VTS. So swapping one small French hatchback for a slightly larger, marginally more plush French hatchback is not quite the opposite to giving him a 3 Series.
 
Adam said:
Why would you hope a car gets damaged due to where they are parked? What a strange comment :confused:
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Totally agree.

Nobody deserves to have a car damaged. Nobody.

But thats not the same thing as saying that if you park somewhere with little thought about the potential circumstances, you shouldnt think 'I shouldnt have parked there' if it gets hit.

If somebody hit my car and I was given a 320d as a loan car I'd be perfectly satisfied despite the fact its slower, smaller, etc etc. It's a balancing act - it's all about being 'reasonable' in the eyes of the law.
 
[Corsa]Fox;17910770 said:
There are 4 ways you can deal with it.

1) You can telephone your own insurer and make a claim under your comprehensive cover. You will be treated as if it's a fault claim, have your NCB removed, etc etc. Your insurer will then recover the cost from the third party insurer, and reinstate your NCB once this has happened.

2) You can contact an Accident Management Company who will arrange repair of your car, or a settlement and provide you with a like for like hire car. They then bill the third parties insurer for this.

3) You can take your car and get it fixed, hire yourself a car, and submit the bill to the third parties insurer.

4) You can contact the third parties insurer and ask them to handle it for you, at their cost.

In many cases the third party insurer doesnt see the bill or know what things are costing until after its all done. Then somebody has to pay...



It's a tad more understandable. It's not supposed to be the same car, it's supposed to be something similar as it's unreasonable to expect a hire firm to have every car ever in stock.

Below a 207 Estate will be something like a Ford Ka, clearly not acceptable in this case. So, whilst a 207 Estate (It isnt really an Estate anyway its a big hatchback) isn't a C2 VTS it's at least 'similar'. Lets be clear here, the C2 VTS isn't a hot hatch like a Clio 197 is.

To put it into context, people who drive an E Class are often offered a C Class - which is a downgrade - and this is considered like for like.

The point in like for like is to avoid giving the guy with the Mercedes E55 AMG Estate a Ford Ka for 2 weeks, or the guy with the Land Rover Discovery a Ford Focus diesel, or the guy with the Fiat Punto a Maybach.

It's something roughly similar, at 'reasonable cost'.
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Cheers for this. Dont most people choose option 4?
 
Adam said:
Why would you hope a car gets damaged due to where they are parked? What a strange comment :confused:
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Becuase it will serve them right for parking outside marked bays and being inconsiderate ****s. Especially in this weather, where the last thing you need to do on a blind corner gradient is to slow down to do a slalom.
 
Unlucky OP.

Fox, why are you even replying to t3kno_tr0n|c, he's the guy who made the Ice Trucker thread and plenty of other nonsense threads too, like the one about his 'hairy girlfriend'. He's a troll, dont waste your time :p
 
alexisonfire said:
My right? I pay for insurance cover, if i can get the best car i can, of course i will. I was offered like for like, and i simply asked if it was possible to get anything better, in which they replied, the next step up was an E90 and they would see what was available. You will be pleased to know it just turned up, a 207 estate 1.4, no where near like for like, but i bet you don't give a crap now its not an e90 :rolleyes:

Now take a deep breath, and stop your little hissy fit
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Come on dude, be serious. A 207 estate is a perfectly reasonable swap for a C2, it carries out the same task, can hold equal or greater luggage and passengers. You can't expect people to pick up the bill because you feel like you've been wronged. If my Fiesta got totalled and I was offered something like a KA, I'd happily take it. Does the same job and I don't feel entitled to anything over and above what I drive.

E90 for a C2, if I was on the other end of the phone I'd tell you where to get off.
 
[Corsa]Fox;17910781 said:
I don't think its gone that far the other way, frankly. There are many areas in which the two cars are roughly comparable and as I've covered above, it's not as if they can hire him a C2 VTS. So swapping one small French hatchback for a slightly larger, marginally more plush French hatchback is not quite the opposite to giving him a 3 Series.
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To an extent yes, but I'd be disappointed.

Someone has driven in to your car which in this case is a sport variant. The OP is not given an estate car. I'd be pretty disappointed by that. Surely the idea is to put you in something which is comparable to your own car prior to the accident. To me, a 207 estate does not do that. Perhaps something like a Twingo 133, alpha mito (Off the top of my head) or a sporty Fiesta would have been more suitable. However, I'm sure the cars are picked from a pool of bog standard cars.
 
Adam said:
To an extent yes, but I'd be disappointed.

Someone has driven in to your car which in this case is a sport variant. The OP is not given an estate car. I'd be pretty disappointed by that. Surely the idea is to put you in something which is comparable to your own car prior to the accident. To me, a 207 estate does not do that. Perhaps something like a Twingo 133, alpha mito (Off the top of my head) or a sporty Fiesta would have been more suitable. However, I'm sure the cars are picked from a pool of bog standard cars.
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*Alfa Mito.

I don't see why the insurance companies should foot the bill for an elaborate stock of hire cars. It's the consumer that pays. The only way an e90 would be 'justified' in this case is if the person who caused the accident is paying for it, but he isn't. We all are.

Slightly bad judgement parking there, wouldn't say the OP deserves it as looking at the pics it looks like the offending car swerved in the direction of the parked car.
 
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Janesy B said:
Come on dude, be serious. A 207 estate is a perfectly reasonable swap for a C2, it carries out the same task, can hold equal or greater luggage and passengers. You can't expect people to pick up the bill because you feel like you've been wronged. If my Fiesta got totalled and I was offered something like a KA, I'd happily take it. Does the same job and I don't feel entitled to anything over and above what I drive.

E90 for a C2, if I was on the other end of the phone I'd tell you where to get off.
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I wasn't expecting an E90, im perfectly happy with what ever car i get, it gets me to work and back. I just simply asked if it was possible. Just took the 207 out for a spin, quiet and comfy :cool:
 
Janesy B said:
*Alfa Mito.

I don't see why the insurance companies should foot the bill for an elaborate stock of hire cars. It's the consumer that pays. The only way an e90 would be 'justified' in this case is if the person who caused the accident is paying for it, but he isn't. We all are.

Slightly bad judgement parking there, wouldn't say the OP deserves it as looking at the pics it looks like the offending car swerved in the direction of the parked car.
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Alright smart arse, my iPad auto correct changed it to alpha from alfa.

You are missing the point. This guy had his car damaged through no fault of his own. Why should he now he now have to drive an inferior car?

It seems these companies offer half of their promises as their definition of a comparable car is very subjective.
 
Clarkey said:
To be fair it's your own fault as much as the other driver, that was a absolutely stupid place to park.
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It's not his fault at all, but it was a poor example of defensive driving (parking) which will count against him when he buys insurance in the future.
 
BigglesPiP said:
It's not his fault at all, but it was a poor example of defensive driving (parking) which will count against him when he buys insurance in the future.
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It might be a useful one to remember next time somebody complains that being involved in a non-fault accident put the premium up.

Years back I read in one of the IAM magazines that something like 75% of non fault accidents could be prevented by the innocent party...
 
Robboftl said:
Unlucky OP.

Fox, why are you even replying to t3kno_tr0n|c, he's the guy who made the Ice Trucker thread and plenty of other nonsense threads too, like the one about his 'hairy girlfriend'. He's a troll, dont waste your time :p
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Well I for one am glad he did as it cleared a lot of things up, and probably was useful to others too, who aim to stay away from insurance situations as much as possible.

Take your silly trolling allegations elsewhere. :rolleyes: u know where you can stick them dont you.
 
One quick question, going on the basis the car is a write off, from the time i have until the car is taken away. Am i legally able to remove any modifications i have made and replace with standard parts? As i will probably be replacing the car with another C2 and don't want to have to buy these again?
 
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