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help: Jucy car rental insurance void for careless drive

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11. Posted by JucyLucy (Budding Member 2 posts) 4y

Hi

Without wanting to go into too much detail due to this case being under investigation I just wanted to clear a couple of things here as what has been stated above is missing a few facts and is directed at making it look as if JUCY is actually gaining from an unfortunate accident.

Zergbird has not been charged $30k to replace 2 old vehicles he has in fact been charged by the New Zealand Police $10,000.00 emotional harm reparation for the injuries cased to the driver and passenger of the 3rd party vehicle and costs for the 3rd party vehicle and the caravan they were towing of $19,345.13. See attached article in the Timaru newspaper:

http://www.stuff.co.nz/timaru-herald/news/5776827/Singapore-man-failed-to-give-way

It is important to note that JUCY is NOT an insurance company, we insure through a registered insurance company and are bound by their terms and conditions. JUCY will only hold a client liable if it is deemed that they have breached the terms of that insurance policy.

I believe we have now been in communication with Zergbird and we are currently waiting on documentation from the NZ courts and the insurance companies involved to determine if the charges breached the policy or not. If it is proven that the charges do not breach the policy then all costs will be covered with the exception of the emotional harm reparation which is a personal charge.

Cheers
Lucy

12. Posted by Dodger (Inactive 875 posts) 4y

There seems to be a certain cavalier and glib attitude to advertising in both Australia and New Zealand. The use of catchy little terms and phrases to pull in the customers to make them think they are getting something they are not is pretty clear here. When you said "Stress free" were you actually referring to the customer or yourself? "Oh you've been in an accident, no problem, we'll simply charge your credit card, there, no stress at all for us!"

Was his liability verbally explained and circled on the insurance contract? If not, it seems you should stand behind your claim of it being "Stress free" and he should not be incurring any costs. In any serious accident there is likely to be injury's. I've never heard of full insurance that didn't cover personal injury for at least the other parties. Not only that, he was charged for the damage to the other vehicle. I can't even see the purpose of this insurance other than boosting your bottom line. As its been said before, it seems worthless and a shadow is cast over a company that offers it as "Stress free"

You are right Jucy is not an insurance company, but if you are offering it as part of your service and I'm sure you receive a commission on insurance sales, you have a obligation to inform your customers of just what they are getting in a "Stress free" policy and not just a bunch of fine print hooey.

[ Edit: Edited on 30-Oct-2011, at 18:35 by Dodger ]

13. Posted by james (Travel Guru 4136 posts) 4y

What a rort!

I'd contact the insurance ombudsman

http://www.iombudsman.org.nz/

14. Posted by zergbird (Budding Member 8 posts) 4y

Quoting JucyLucy

Hi

Without wanting to go into too much detail due to this case being under investigation I just wanted to clear a couple of things here as what has been stated above is missing a few facts and is directed at making it look as if JUCY is actually gaining from an unfortunate accident.

Zergbird has not been charged $30k to replace 2 old vehicles he has in fact been charged by the New Zealand Police $10,000.00 emotional harm reparation for the injuries cased to the driver and passenger of the 3rd party vehicle and costs for the 3rd party vehicle and the caravan they were towing of $19,345.13. See attached article in the Timaru newspaper:

http://www.stuff.co.nz/timaru-herald/news/5776827/Singapore-man-failed-to-give-way

It is important to note that JUCY is NOT an insurance company, we insure through a registered insurance company and are bound by their terms and conditions. JUCY will only hold a client liable if it is deemed that they have breached the terms of that insurance policy.

I believe we have now been in communication with Zergbird and we are currently waiting on documentation from the NZ courts and the insurance companies involved to determine if the charges breached the policy or not. If it is proven that the charges do not breach the policy then all costs will be covered with the exception of the emotional harm reparation which is a personal charge.

Cheers
Lucy

So Jucy's do not charge me almost 10K for Jucy's car? Even worse, you charge me directly from my credit without any informing before doing that!

15. Posted by zergbird (Budding Member 8 posts) 4y

Quoting james

What a rort!

I'd contact the insurance ombudsman

http://www.iombudsman.org.nz/

Thanks James.

16. Posted by zergbird (Budding Member 8 posts) 4y

Many things happend since last month, I planed to update the post after all the things was done. But I did not expect it would take so long.

Jucy' COO contacted me and told me their staff made wrong. Their insurance should cover all the damages, include both cars. Then, they refund me the money they charged from my credit card.

After that, we contacted court of Oamaru about this and asked them to refund the money, the max amount of NZD 20K, back to me. But they told me the money has already been sent to FMG, the insurance company of the third part. However, FMG is always telling me they are processing and asked to wait. This has been lasting for more than month. I asked them for the timeline, but they told me they do not have one.

Any suggestion what I can do in this situation?

17. Posted by Sander (Moderator 4808 posts) 4y

Quoting zergbird

Jucy' COO contacted me and told me their staff made wrong. Their insurance should cover all the damages, include both cars. Then, they refund me the money they charged from my credit card.

I'm very glad to hear this. (I do always wonder in cases like this if they'd have come to the same conclusion if you hadn't posted about it publicly, but still, good on them.)

After that, we contacted court of Oamaru about this and asked them to refund the money, the max amount of NZD 20K, back to me. But they told me the money has already been sent to FMG, the insurance company of the third part. However, FMG is always telling me they are processing and asked to wait. This has been lasting for more than month. I asked them for the timeline, but they told me they do not have one.

Any suggestion what I can do in this situation?

Urgh, slow moving big corporations with not a care in the world for the individuals involved. Don't really have any useful suggestions on how to get them to move faster. Maybe file complaints, maybe kick up a ruckus, "FMG is wrongfully holding on to 20k of my money, refusing to even tell me when they plan to release it back to me."? :/

Post 18 was removed by a moderator
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