Insurance dilema! Help required

[carpetstu]

Just had a look at Drive Assists web site. They list all directors by name.

Might be worth a look to see if the top people on there are willing to offer some clarity on your situation?

[Hilts]

Andy

If the total loss payment came via driveassist esure have not handled the claim under the terms of your policy, driveassist have claimed directly against the third party insurer. So that means the third party insurer who paid your total loss are arguing you had the hire car either for too long and or the cost of the hire is too much (for example why provide you with a Jag when a Mondeo would have been as good and cost a lot less). Either way it's down to driveassist to explain why they are presenting the third party insurers with a £5k hire bill. Reading between the lines the third party insurers are blaming the total loss payment delay on driveassist. I would let them pursue this with the third party insurers just make sure you have your story straight, dates of calls and letters where possible. It is very unusual on an undisputed liability claim for reasonable hire to be refused. It's the definition of reasonable driveassist need to prove and they are usually pretty good at it.

[Norman Verona]

Andy, Esure didn't process the claim because you had an admission of blame from the 3rd party. It has saved you your no claims bonus.

Hilts has it 100%. In law you have a duty to minimise the 3rd parties costs. In this case "you" are Drive Assist. If they can't recover the hire car costs because they have delayed the claim being settled it's their problem. If they turn to you they will not win in court and if they are told this and you let them know you are aware of this they will not persue it.

[a4gom]

cheers guys, that's eased my mind a little, fingers crossed it will just get sorted.