Aviva car insurance

andr1us

Hi, I was unfortunate and got in to accident this icy morning. I am living in Kilkenny, but for last few days was in Letterkeny to visit my family. So I had an accident outside of Letterkenny. I contacted garda, they came took details, took car to car park and left their contact details for insurance company. After returning back to Letterkenny I rang Aviva insurance customer service. I explained to them what happened. Answer was different from what I expected. Having comprehensive car insurance I thought I won't have to pay anything for it. But the guy on a phone told me they will provide me with temporary car which I have to collect myself and I will have to pay 300 euro for car repairs (rest of the price they will cover) when collecting car (repairs should take more than 2 weeks according to the guy). Now my question is do I have to pay 300 euro when I have comprehensive insurance and if I will have to drive back to Letterkenny to collect my car in few weeks time which might be Christmas time. Might sound a bit confusing, feel free to ask. Thanks for any input

biko

Read your T&C in your contract with Aviva.
For instance, do you have extra premium?

Some info here
http://www.aviva.ie/online/driving/car-insurance/options/
"Policy excess option (where cover is Comprehensive only)
The policy excess is the amount we will ask you to contribute towards the cost of a claim
The standard Comprehensive policy excess is €300 and applies to claims for accidental damage only."

Fizman

Your policy probably has an excess of €300.

dilallio

The €300 is probably your insurance policy excess. Check your insurance cert and the excess value will be listed.
Unfortunately, you will have to pay whatever excess is listed on the policy.

thecomedian

Yea you have to pay the first €300.

corktina

sounds like you have a €300 excess, quite common.

peteb2

you can choose to wait and get the vehicle repaired when you get back to Kilkenny. and save yourself the hasssle of going back to letterkenny.

andr1us

Does it apply when repairing a car? I mean, if repairs don't amount to more than 300 euro, I am ending up paying that amount myself? Can't check excess at the moment, not at home. No other vehicle was involved in accident.

edit: can't repair car in Kilkenny, wheel has broken off.

Stheno

andr1us wrote: »

Does it apply when repairing a car? I mean, if repairs don't amount to more than 300 euro, I am ending up paying that amount myself? Can't check excess at the moment, not at home. No other vehicle was involved in accident.

It applies to any claim be it repairs to a car, injuries etc.

Mar4ix

i think 300 is an excess, which usually is different , depend of policy agreement. some has 400, some has 500 , or in my first time insurance was 4000. it means whatever accident happen, excess money (in your case 300) goes towards car repairs. .. if there would be small accident, like just indicator damage or similar small accident, and repairs would be under 300 , you have to cover that, NCB stay untouched (im not sure) . , if accident is pretty severe, so first is your 300 euro goes to car repairs, and the rest pay insurance company.

Regarding car rental, is up to terms and conditions what you did read, agreed and signed on policy .

Ardennes1944

So what were all trying to say is, you have an excess of €300 :pac:
that feckin echo is back again!

andr1us

Seems fair enough, by the looks repairs will cost more than that. Do I contact customer service about current state of repairs? Or I have to wait for a call from them?

peteb2

Ah sure just wait and see what happens!

C'mon fella, you are exactly the type of person who should use a broker as opposed to going direct to an insurance company to save a tenner! Because your grasp of how insurance works seems to be fairly faint!

You've reported the claim. If you intend to avail of a courtesy car you need to go to an Aviva approved repairer to have the car fixed. Not Joe around the corner. So ring aviva and ask them where the nearest garage is to you and drop it into there.

andr1us

Well, car was collected by garda. Aviva said they will collect the car themselves from car park. I do admit my knowledge is faint, that is why I am asking boards.ie community for advice

Stheno

andr1us wrote: »

Well, car was collected by garda. Aviva said they will collect the car themselves from car park. I do admit my knowledge is faint, that is why I am asking boards.ie community for advice

That means Aviva will send it to one of their approved garages in Letterkenny for repair.

If you don't want that you could take the car home, and arrange with Aviva for them to have repaired at an approved garage in Kilkenny

Is the car driveable?

peteb2

he has now edited an earlier post to say the wheel has broken off.

Stheno

peteb2 wrote: »

he has now edited an earlier post to say the wheel has broken off.

Didn't see that thanks

Some policies will tow the car to your home for you, OP could check that?

andr1us

I should ask definitely about possibility to repair car in Kilkenny. But I do not see them towing car 350 km back here :rolleyes:

Stheno

andr1us wrote: »

I should ask definitely about possibility to repair car in Kilkenny. But I do not see them towing car 350 km back here :rolleyes:

Depends on your policy, I was on holiday strangely enough close to Letterkenny a couple of years ago and the clutch went on the car, and my insurance company confirmed that part of the policy included towing it to my hometown in Dublin.

andr1us

Got a 09' Ford Ka from aviva. At least I am able to leave it in Kilkenny, do not need to bring it back to Letterkenny. Unfortunately if I want car to be fixed in Kilkenny I would have to pay for towing car back here Now have to wait for answer if car is repairable.