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Thread: Insurance repair help / advice please

  1. #1
    Regular Member Teza's Avatar
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    Default Insurance repair help / advice please

    My wifes car went if for a very small scratch to be sorted out on her Astra.
    But while the garage had the car the centrol locking messed up. it took them a month to fix the car just for a tiny scratch on the bumber. that was about 60mm x 5mm. Now my problem is they did not tell us about the locking problem until pushed for an answer. They kept delaying on the return of the car. Now we have it back The bumper needs sorting out cause its rough so they said they will sort it out. But there are scratches on the doors & rear arch that was not there when they took the car & are trying to wash there hands of it .

    What can i do ?? I realy don't want them to have the car back as there attitude stinks. I knew it would not run smooth from the start, but the mrs !!
    I asked my insurance for a independent check & diagnostics before we got the car back, but they did not want to do this!

    I have ran my diagnostics on the car & its got loads of faults.

    The garage said they ran a diagnostics & fixed the car. So i'm yet to find out why they never cleared the fault codes or why they come back.

    Sorry about the spelling i'm so now

    So can i refuse to let them have the car & charge them for some other garage to do the work ?

  2. #2
    Full Member Robsey's Avatar
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    Vehicle : Vectra C

    Trim : Energy

    Engine : Z19DTH

    Year : 2005

    Mileage : 131,000

    Default

    It would be in the insurance company's interest to audit the work of their approved repairers (I assume that it was the insurance, and not the Mrs who chose the garage).

    As far as I am aware, then you are meant to allow the garage a "reasonable opportunity" to correct their mistakes / damage.

    However, I would have thought that any more than a week for a simple scratch is ample enough time...and that is for a reasonable job that should be guaranteed to be "As New" or to match the vehicle for approx 3 years.

    You could always kick up a fuss with the insurance company to "force their hand".

    If you have the car now, then did you sign their job note?

    If you did, then this normally infers that the work was done to your satisfaction and legally your hands will be a little bit tied.

    Pester the insurance until they get fed up of you....works in most other businesses.

    Don't forget the term "FIT FOR PURPOSE!!" it is a legal requirement for them, if they are to fulfil their part of the "Contract" that they have entered into and for which they are expecting payment / have been paid.
    Last edited by Robsey; 13th May 2010 at 19:02.

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    Regular Member Teza's Avatar
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    Hi Robsey
    The insurance company chose the repair place (nationwide crash repair centre) I was out when the car was droped off on my drive & the key was post in the letter box. So i never signed for it.

    Other thing is nationwide will only provide a corsa for loan car & my daughter will have a job getting into that as she has just had a opporation on her leg with screws fixed into it. They said thats the only cars they have.

  4. #4
    Regular Member Teza's Avatar
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    My insurance company is morethan / royal & sun alliance.

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    as above, first speak to the manager of Nationwide and advise him you are not happy and why. Also speak to your insurer and tell them you refuse the car (you may also be able to refuse the loan car but unlikely, check your policy)
    Leave the car where it is and tell them to come and take it away and bring it back when it's sorted to your satisfaction.

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    Regular Member Teza's Avatar
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    Thats the problem i have talked to nationwide & they are only interested in the spray job that they never finnished properly. They are trying to was there hands of the scratches & chips that happend while they had the car.
    They had the car for 4 weeks to do the little scratch on the bumper.
    I just don't trust them to have the car back again, cause they might mess up something again & get more scratches. Feel like taking the bumper off for them. Then claiming for the other damage done by them.
    I have told the insurance but nothing seems to be moving forward.

    Quote Originally Posted by sshooie View Post
    as above, first speak to the manager of Nationwide and advise him you are not happy and why. Also speak to your insurer and tell them you refuse the car (you may also be able to refuse the loan car but unlikely, check your policy)
    Leave the car where it is and tell them to come and take it away and bring it back when it's sorted to your satisfaction.

  7. #7
    Full Member Robsey's Avatar
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    Vehicle : Vectra C

    Trim : Energy

    Engine : Z19DTH

    Year : 2005

    Mileage : 131,000

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    In that case...threaten the insurance company with the insurance ombudsman.

    While you have the car, take plenty of photo's of the damage for potential legal evidence.
    Also you could optionally e-mail these pictures to the insurance company.
    Either way either the repairer or the insurer have not fulfilled their part of the contract, for which you have paid with your hard earned wages.

    On accepting your insurance premiums they have accepted their role within that legally binding contract.

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    Next step would then be to ignore Nationwide and escalate it up through your insurer, keeping a record of who you speak to, their position and how they are going to help you. Be polite, but be firm and tenacious and don't be fobbed off, insist on speaking @ director level. Advise them you will be hiring a vehicle if they cannot provide a loan car and will expect them to reimburse you.

  9. #9
    Regular Member Teza's Avatar
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    Quote Originally Posted by Robsey View Post
    In that case...threaten the insurance company with the insurance ombudsman.

    While you have the car, take plenty of photo's of the damage for potential legal evidence.
    Also you could optionally e-mail these pictures to the insurance company.
    Either way either the repairer or the insurer have not fulfilled their part of the contract, for which you have paid with your hard earned wages.

    On accepting your insurance premiums they have accepted their role within that legally binding contract.
    Thanks some good advice there mate

  10. #10
    Regular Member Teza's Avatar
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    Quote Originally Posted by sshooie View Post
    Next step would then be to ignore Nationwide and escalate it up through your insurer, keeping a record of who you speak to, their position and how they are going to help you. Be polite, but be firm and tenacious and don't be fobbed off, insist on speaking @ director level. Advise them you will be hiring a vehicle if they cannot provide a loan car and will expect them to reimburse you.

    Thanks mate thats the line i'm wanting to going down now
    I knew i should have told the insurance i wanted to choose a sprayshop myself.

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