panthro said:
I dont understand. Are helphire some kind of alternative to what your insurers offer you for a hire car?
It is a common misconception that your insurer must handle everything for you. This is not the case.
Strictly speaking, all your insurer is legally there for is to provide third party cover in the event of you crashing into somebody. Many offer additional services - like comprehensive policies, etc etc, to make life easier for you, err, I mean, make more money for them.
Beyond your legal obligation to inform them of an accident, if there is a cut and dried non fault accident, your insurer need not be involved. You can instead deal directly with the third parties insurer yourself. There is nothing to stop you do doing this and no real reason to get your insurer involved (Your insurer will usually simply pay out right away, remove your NCB, then faff around for months reclaiming money before renistating your NCB).
If the third parties insurer isn't playing ball - for example, Hello Sir, yes, it will take 8 weeks to repair your Mercedes S Class, and here is a 3 cylinder Corsa, you could enlist the help of an accident management company like Helphire if you don't have the knowledge, time, or if you simply dont want the hassle, of sorting everything yourself.
They will arrange the repair of your car and a like for like hire car - and the bill is sent to, and thus paid by, the third parties insurer.
There is, of course, nothing to stop you personally hiring a similar car, personally paying for accident repairs, and then getting it reimbursed by the third partys insurer, but most people can't be bothered and I can't say I blame them.
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