Car Insurance Advice

Hi Matt.

Really sorry to hear about your accident. To be honest, I don't recall any dilemma's like this the last time I had an incident. Mind you it was many years ago. It was just a case of leaving my insurance company to get on with it. I've never required a courtesy car, so hence limited knowledge there.

My instinct would be to let my own insurance company do it all, rather than having the hassle of dealing with a third party. But if, as you say, you would have issues with your warranty unless you used your own Ford Dealer, then yes, this seems the right choice.

For the courtesy car, have you spoken to your own insurance company, regarding the claim that "the other drivers insurance company will only pay out 14 quid and any extra would be paid by you"? Just in case it's nonsense.

Also check your own insurance policy, make sure you still get full cover for a courtesy car. I gather some policies provide reduced cover for a courtesy car. You wouldn't want to find yourself having an accident in the courtesy car and having to fork out big bucks.


How long will the repair take? Can you manage without a courtesy car? I've managed without in the past. I'd catch the train or bus, far easier.

Whatever you choose, as I said, watch out for your own insurance policy re a courtesy car, just make sure it covers you fully. and if it turns out you need additional insurance for a courtesy car, again, watch the cover, third party is no good if you have an accident and it's your fault.

Thanks for the link Martin. That's exactly what the other drivers insurance guy was telling me.

Couple of days LOL! I had a similar issue with being rear ended. Basically needed the plastic bumper replacing........which took them 2 weeks! I let the third party insurers deal with the lot, they dropped off the courtesy car, collected mine and then swapped them back a couple of weeks later.......and the third party insurer used an Audi dealer too.

A previous bad experience was a non-fault accident with a bus who admitted fault, and was backed by an independent witness. My insurer told me to take (the 3 day old) car back to the dealer and arranged the repair and courtesy car. A week or so later I collected the car, job done...........except when my insurance renewal came through showing a fault accident! Seems the bus driver changed his mind, the insurer (Aviva) never contacted the witness and that was that. There were a series of loud phone calls to get it sorted, which in the end it was.

Bloody car insurance :-(

I agree and assume it's just a way for the dealer to rip off the insurer with the car hire costs......I wish I had the docs still, because I'm sure it was over £100 for the replacement car.

What I couldn't get over was the fact that this was done through the third party insurer, whom I assumed was trying to keep control over the claim to keep costs down

Ouch! £140 per day for a courtesy car!

On the way back I sat on the motorway for nearly an hour with the engine off, as there was an accident on the M1. Didn't move an inch. Everyone else had their engines off too, was like something from The Walking Dead. Utter silence.

Well I hope you had Darrell's crossbow and Michonne's samurai sword handy Matt!

New series starts next week!

I'm on the first series at the moment. It captured me from the first episode.

Just an update. Got my car back, was all fixed up in 8 days.

Martin,what do you think of season six TWD so far.And Matt it gets better.

Game of Thrones is next on my list. I've watched the first episode twice now, but was interrupted so I kept loosing what was happening.

The Walking Dead is pretty easy to get into in that respect.

The lunatic has reappeared in The Walking Dead now. He's found new people, and is trying a second attempt to take over the prison.

EDIT: Nooo Hershel was one of the best!