Anyone tried right2drive.co.nz?

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quebec

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#239470 19-Jul-2018 19:33

Has anyone tried right2drive.co.nz? Just got hit from the back on the motorway and I know it’s not easy to get courtesy car these days. Bit of a wait with good panel beaters. So was wondering about these guys. Car is driveable though. Other party at fault and has accepted responsibility.

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MichaelNZ

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#2059331 20-Jul-2018 14:44

Conditions of making a claim

You can make a claim by calling us at any time on 0800 500 216.

It is a condition of your policy that you must co-operate with us and give us any information or help we ask for in relation to your claim.

What you must do

Immediately after an event occurs, you or any driver of your vehicle must:

take all reasonable steps to prevent further loss or damage
inform the police in the case of theft, burglary or vandalism, or any attempt at these
not admit liability
not, without our consent, incur any expense or negotiate, pay, settle, or make any agreement in relation to any claim.

https://www.aainsurance.co.nz/manage-policy/policy-documents/comprehensive-car-insurance-policy-document-.html

Getting our permission first Yo u must ask for our permission before you : • incur any expenses in connection with a claim under this policy, or • negotiate, pay, settle, or admit any allegation that you are legally liable, or • negotiate, offer to pay or pay any reparation , including but not limited to, offers made as any part of any case management conference or sentencing hearing, or • do anything that may prejudice our rights of recovery.

https://www.state.co.nz/PDFs/State_Car_PW.pdf

There is no right to engage with or incur expenses with interlopers in conjunction with making a claim on your insurance.

Furthermore, it should be noted in many cases both parties will be insured with the same or related companies.

State, NZI, Lumley and AMI are all IAG. Aon is underwritten by IAG. Vero and AA are Suncorp. Policy holders who think they can rock the boat are being foolish.

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Kyanar

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#2072738 13-Aug-2018 15:51

Nil Einne:

In case people missed it, the court case itself was linked and discussed a few days before the Stuff story. Actually I wonder if the Stuff journalist came across it from here. Something similar has happened before.

Since this was a test case (as per lawyers for both parties), I'm assuming that lawyers for the insurers have been going over it carefully to decide if they have grounds to appeal. For a complicated case like this, I'm guessing that they will find something and so it's probably not finished yet. Although in the mean time, the effects on premiums etc are going to come into play.

Not really all that likely that it'll have a great effect on premiums. They'll probably throw in hire car cover when not-at-fault and the standard add-on for at-fault hire car cover to match what they do in Australia, where insurance already costs pretty much the same amount despite covering more potential liability (in Australia, the CTP will only cover the not-at-fault party in some states, so for at-fault parties the insurer is up for all damage and medical bills).

hojoonsung:

Should I call at-fault insurance company directly and ask for a rental? If they say no... I'm inclined to say that I'll proceed to use a service like Right2Drive and see if they budge... apparently, this tactic has worked previously for some people...

How have you guys approached this? Are there any legal rights that I have? According to that article and what the Judge said, it should be my right to have a rental vehicle...... Should I just use Right2Drive?

Please help...

I'd say call the other insurer and suggest it - they may be able to use their purchasing power to get a better rate than if you set a crash hire company onto them and now that there's precedent that they are liable, they may come to the party.

MichaelNZ:

Do what you want. The risks have been well covered in this thread.

You sound like someone who gets bloshy when they don't get their every whim.

You are not a "victim". It was a car accident. It could just as likely been you at fault.

Oh hogwash, you're just being petty now because you've been proven wrong.

There's practically such thing as car "accidents" - virtually every single one is caused because someone did something negligent or stupid - a rear-ender is definitely one such case. The person not at fault is entitled to not be worse off than before they were hit, so he's perfectly entitled to a vehicle so he's not stuck relying on taxis and public transport at his own expense.