DLM – Credit hire only
Thats quite interesting, given what you have said initially. As in last comment, when your not a fault there are a few ways to pursue a claim.
Claim on your own insurance and let them recover costs from third party insurer.
Claim and recover costs directly from the third party insurer, which is typically by them contacting you and offering the service
Claim via an Accident Management Company who handles the claim and any repairs and/or arranges a hire car under a credit hire/repair agreement.
Having Googled Enterprise offers accident claims management services, especially for rental vehicles.
Accident management companies, can offer both Credit hire and/or credit repair, where in your case, you have been offered credit hire via Direct Line through Enterprise. From what I understand, its a type of unregulated agreement, where the accident management company (Enterprise in this case) calculates an inflated daily hire charges (credit hire) that are to be paid at a futurer date. Once the hire car period ends, the accident management company (Enterprise), will try and recover credit hire cost from the third party insurer and hopefully they agree to pay these costs under the credit hire agreement. However, under credit hire agreements, there is no guarantee, the third party insurer will pay these costs, especially if it decides it not fully liable, which would then leave you liable to pay the costs to the claims management company.
I don’t know much more than this sorry, other than your insurer should ask if you want to go through a claims management company, due to it being a non fault accident or whether you want the insurer to deal with the third party insurer fully.
I can’t say I’m shocked DLM would going this route on a Motability vehicle, as they aren’t a patch on RSA. It could also be why Enterprise didn’t offer a car because, they didn’t think your reasons were air tight for whatever reason and it isn’t as if they could come back on you to recover the costs, given it’s a Motability vehicle and we don’t own it and it would have been too much of a gamble to take over the hire from DLM. Who knows!
