Ok, First of all under no circumstances do you pay anything.
1
The person who collected the car should have marked any damage and got you to sign to say the damage was there, since you did not I would suggest you tell them that the damage was caused by the company driver and not you.
2
You might be in trouble with the insurance, it is always up to the driver to check they are insured, genuine hire companies will give you a copy of the note or email if you hire online to say you are insured in case you get pulled by the law, it is never a good idea to assume.
3
They could threaten to report you to the police in order to get money from you over the insurance if it turns out you are not insured, usually you have to sign a form separate from the hire agreement, if the insurance is not included, in most genuine hire companies there is a box to tick to state if you are under their insurance or your own, if you state your own a genuine company will insist on seeing a copy of that before allowing you to drive of with the vehicle.
4
if it turns out you are actually not insured, tel them company it is not just you that will be in trouble, as stated allowing someone to drive your vehicle without making sure you are insured will land them in as much trouble as you will be, and they know it, so call their bluff.
5
the fact that you have used the hire company before, and got yourself insured first time around does not do you any favours.
6
Finally, what does the paperwork say, if there is an excess it will say so on the paperwork, it all depends on what paperwork you have/ have not got, word of mouth has no legality in the eyes of the law unless you recorded the conersation.
Edited by 30 yr's a Professional Driver on 17/06/2018 at 19:57
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