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Subject Topic: Insurance repair work Post Reply Post New Topic
PersonCap 57
23/8/2014 at 10:29pm
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 Outfit: Outwell Bear Lake View Cap 57's Profile View Profile   Reply to Cap 57 Reply   Quote Cap 57 Quote  
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We have just had some insurance repair work done on our caravan. When the repair was completed the caravan workshop phoned to say the work was completed and asked us to come in and check and sign the work off. This we did and paid them the insurance excess as required. The problem is that the repairers will not release the caravan back to us before the insurers settle the amount due to the workshop.

This is a nightmare as we are due to go away in 10 days time and we don't have the caravan in our possession.

We are fairly new to caravanning so can any of you good folk tell us whether this is normal practice with insurance work as it seems very unfair?

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Caz


Persontango55
23/8/2014 at 10:49pm
 Location: Lichfield
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I would contact the caravan insurance claims department first and get the answer from the horses mouth to explain exactly why they are not releasing any funds to the repairers. Until you find this out first hand it could be anybody's guess why the garage hasn't been paid.


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PersonGrampian91
24/8/2014 at 1:36am
 Location: Midlands
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A quick call to the insurance should see them move a bit quicker if you mention that your going away and need a caravan.

Asked them if they can sort this before you go or will they be supplying you with another caravan for your holiday.
Be polite and have a giggle.

Personally i would have created quite a fuss at the repair shop. Ive made the journey to collect my van as requested and paid the excess as required. Now give me my van.

Insurance companies dont move very quickly. They may take a month or months from the date of receiving the bill before they pay.


Personmikegalagher
24/8/2014 at 11:41am
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Cap, don't know what it's like these days, but in my day we were targeted on the "Settled to Handled" ratio. In other words, the more claims we had outstanding, the worse our rating was. It was in our interest to settle as quickly as possible.

Let's just go back a step. Insurers only ever authorise repairs in your name. How can they do anything else? It's your property.

Did they authorise you to have repairs done (for which they would reimburse you) or did they directly give the repairers authority to proceed after which they would settle the account with them, net of the excess?

Assuming the latter, the repairer would normally release the repaired goods to you after you'd paid the uninsured element (the excess), and knowing they'd had authority to do the work, and would be paid. Have they sent in the invoice net of the excess?

I'd ring the insurers and explain what's happening and stressing that you need the repaired 'van for imminent holidays. Post back and let us know what they say.

Good luck.



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Mike

My advice is worth no more than the price paid for it

Prague May/Jun 2017
Lake Annecy Aug 2017


Personiank01
24/8/2014 at 4:36pm
 Location: Worcestershire
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There is a possibility that the dealer has a cashflow problem which is why they do not want to release it. Basically blackmailing you to put pressure on the insurance company to pay up.
Alternatively it is an insurance company well known for not paying up promptly and dragging their heels. The same insurance company also do cover for animals?


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PersonCap 57
26/8/2014 at 10:07am
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 Outfit: Outwell Bear Lake View Cap 57's Profile View Profile   Reply to Cap 57 Reply   Quote Cap 57 Quote  
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Thanks everyone for your replies.

Yes Mike the work was authorised by the insurers (Caravan Guard) directly with the workshop, so we assumed that having paid our excess that we could have our van. If a car has insurance work done there is never any problem with collecting on completion.

I agree with ian01, think he has the right idea about a possible cashflow situation. However, my OH has contacted our insurers and the loss adjusters. They both say the workshop had no right to hold on to our van. Caravan Guard say that the workshop is in danger of losing their Authorised Repairer status. So hopefully will have our Tin Lizzie back for our holiday next week.

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Caz


Personmikegalagher
26/8/2014 at 10:25am
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Indeed Caz. With a car, you collect it when the repairs are done, inspect it, if happy, pay the excess, and drive away. The repairer sends in the invoice, and the insurer pays them.

There may well be a cashflow situation. But it may be the repairer's.

Good luck. Hope you get it back soon. Let us know.

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Mike

My advice is worth no more than the price paid for it

Prague May/Jun 2017
Lake Annecy Aug 2017



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