Should their insurance pay for my fuel used while car being repaired?

[lejogger]

The girlfriend suggested I should claim for the extra heating I've used at home over the last few weeks due to being off work with a broken collarbone. Should probably claim for additional food too, as I get free lunches at work.

Wonder what is else I can add on...

Ah, I just about spotted the thinly veiled sarcasm

I know it wouldn't be a lot of cash, it's just the principle. I normally have to fill up twice a month, which is £160, and filling up today has actually now taken me to £250 for February alone with the £20 to top up the hire car, so it's something I resent doing. As much as I try to cycle when possible I have certain journeys that i have to drive for and the cost of owning and running a car is frankly ridiculous.

Plus the fact that all of this is only happening because of factors outside my control... I guess I'm just a bit miffed.

 

[redcard]

I wasn't really being sarcastic, I was semi-serious!

I mean, it is ridiculous to claim for that, but they were additional expenses that I only incurred because of the accident.

 

[lejogger]

I wasn't really being sarcastic, I was semi-serious!

I mean, it is ridiculous to claim for that, but they were additional expenses that I only incurred because of the accident.

Then is it ridiculous to claim for them?

Not everyone has mountains of gold medallions in their basement. I'm pretty careful with my money and try to budget accurately. There are always going to be extenuating circumstances outside your control but when they're inflicted upon you by the actions of someone else and the insurance policy is there to protect you then I see no harm in claiming for any legitimate expense, be it fuel, loss of earnings, repairs or a cheese butty.

 

[redcard]

Then is it ridiculous to claim for them?

Not everyone has mountains of gold medallions in their basement. I'm pretty careful with my money and try to budget accurately. There are always going to be extenuating circumstances outside your control but when they're inflicted upon you by the actions of someone else and the insurance policy is there to protect you then I see no harm in claiming for any legitimate expense, be it fuel, loss of earnings, repairs or a cheese butty.

Maybe it isn't, but then again I haven't spent £20 a week in train fares either since I've been off.

20-odd unexpected lie-ins has also got to be worth a few bob as well!

 

[RWright]

I remember back in the late 80's here it snowed very hard. The roads became treacherous very quickly. Somehow, the state decided that any auto collisions that day due to road conditions was to be paid for by the car owners own insurance company. I have never heard of that happening before or since.

Good luck trying to collect for fuel. I think they will argue that you would be using fuel if you had your car.

 

[lejogger]

Good luck trying to collect for fuel. I think they will argue that you would be using fuel if you had your car.

Just to clarify, it's only for fuel to and from the body repair centre that they drove the car to rather than towing, despite being a 70+ mile round trip, and because they returned the car virtually empty.
I'm not trying to claim for any journeys that I would normally make.

 

[vernon]

You are Ezekiel McScrooge of Deepocket-Shortarms Hall

AICMFP

 

[lejogger]

You are Ezekiel McScrooge of Deepocket-Shortarms Hall

AICMFP

Maybe. Or maybe I'm just pissed off that the body shop would return my car without enough fuel to get me home on a Friday night when I've already had a disrupted working week, despite being an innocent party in the whole affair.

The value is completely beside the point. It's the inconsideration and the inconvenience that rankles, and that if I don't claim it back it's just going into the profits of the insurance industry... Who lets be honest charge quite enough for their services and will now charge me a higher annual premium for being involved in an accident even though I'm not at fault.

Last year my premium went up after my next door neighbour reversed into my parked vehicle while I was sat eating my tea? What gives them the right to claim that extra money off me? What clever insults do you have for them Mr vernon?

 

[DiddlyDodds]

Good god i hope i dont ever go for a drink with you lot , bunch of penny pinchers

 

[P.H]

FYI, if you are unlucky enough to be involved in a road traffic collision it is 100% upto you where your car is repaired, NOT your insurance company, although they will try they cannot force their choice on you.

The insurance company are obliged to fulfill the terms agreed in the Policy. No more, no less.

 

[smokeysmoo]

The insurance company are obliged to fulfil the terms agreed in the Policy. No more, no less.

Spot on, but they still cannot dictate who repairs your car. So whether you drive a Proton or a Porsche it is your right to have it fettled by the relevant franchise and they cannot prevent you from doing so.

 

[P.H]

Spot on, but they still cannot dictate who repairs your car. So whether you drive a Proton or a Porsche it is your right to have it fettled by the relevant franchise and they cannot prevent you from doing so.

If they told you to take it to Garage X, and that garage could fulfill the terms of the Policy, what argument could you have for not doing so?

 

[twentysix by twentyfive]

Give it a go if you wish. Small claims court if it gets difficult..........

 

[vernon]

Spot on, but they still cannot dictate who repairs your car. So whether you drive a Proton or a Porsche it is your right to have it fettled by the relevant franchise and they cannot prevent you from doing so.

They might not be able to dictate who repairs the car but they can dictate how much they are willing to pay for the repairs....

 

[twentysix by twentyfive]

They might not be able to dictate who repairs the car but they can dictate how much they are willing to pay for the repairs....

For sure they cannot dictate who does the repairs. Owner does have that choice whatever "pressure" the insurers exert.