i dont like help hire. they can arrange a few bits for you, but often dont do it so well.
they will say that youre not at fault, you can claim whatever you like...
well imagine my position, i work for the solicitors for the insurance company who are liable.
they get a bill in from help hire. they have arranged repairs that take forever, but given you a ford focus instead of a class A car (class A = 206, corsa etc). so immediately, the liable insurer wont be happy because you have no mitigated your loss by hiring a like for like car.
because help hire can drop the ball, the repairs can take ages. so youll be hiring for 3-4 weeks when the car was only being repaired for 2-3 days. again, failure to mitigate loss on help hires part...
... but the CREDIT HIRE agreement that YOU sign says that if youre found to be responsible for any part of this hire claim, you pay it, out of your own pocket.
i hate doing it, but i dont like seeing it when a muppet gets all exicted about being offered replacement vehicles, has (for example a nasty 95 golf gti) so expects a 2007 golf GTI with dsg. wrong, and i dont expect my insurer to pay for that level of stupidity.... i have seen so many occassions where the hiree has ended up footing the bill.
so be careful with helphire, i personally dont like them or the claims they put together, its not there to benefit you, its for them.... and if it goes wrong, you take it in the behind.
youll be in a credit hire agreement (credit hire rates can be very high) so the third party insurer will say.... why did you get credit hire if you could afford normal hire? can you afford normal hire? well theyll get the last 3 years of your income records etc... if you were not impecuneous, then youll be paying for it.
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