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Thu 3 Feb 2011 17:59

leased car - sarahsarahJ

I lease a car and I had a car fire back in November the insurance company said the car was a total loss and would not pay compensation, as their argument was that the car was in the leasing companies name not mine therefore the leasing company was negligent.

The leasing company has sent me a default letter saying that I should pay the outstanding debt on the car, could anyone let me know where I stand on this as the car was leased and I never owned the car in the first place.

I had to take out my own insurance on the car and send the policy to the company before I could receive the car.

My concern is will I have to pay the whole amount outstanding, if anyone could advice on this would be appreciated.

Many Thanks

Sarah

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Thu 3 Feb 2011 23:04

leased car - Lygonos

This makes no sense.

The lease company has nothing to do with the insurance company's loss.

Did the insurance company know that the vehicle was not registered in your own name as they may use this to try to suggest the policy is void if you told them it was registered in your name.

(Not sure if that would stand up if challenged in court however).

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Fri 4 Feb 2011 07:12

leased car - LucyBC

I think it may be a failure to take out GAP insurance rather than the headline policy but the OP needs to be clearer as to what happened.

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