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Discussion Starter · #1 ·
Just had an email sent to me from Volvo offering a free £250 insurance accident excess voucher no matter who you are insured with.

To be able to claim the voucher amount they ask that in the event of an accident claim you ring them (Volvo) before registering the claim with your insurance company so that they (Volvo) can carry out the repairs.

Most insurance companies though charge a fee if you dont use one of their own repair centers, so the voucher would only cover the insurance excess and not the fee for opting to have your car repaired at a Volvo repair center, so therefore even after claiming back your excess (up to £250) you'd still be out of pocket by using a different repair center to the one suggested by your insurance company.

Not as great as it first sounds.
 

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It seems, to me, quite naughty of "Volvo Car Insurance" to advertise this "offer" if it could cost the vehicle owner more in the long run in the event of an accident.
 

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Discussion Starter · #3 · (Edited)
I agree,
I just checked my policy with Quote Me Happy.
My accident/theft claim excess is £50
To use a repairer suggested by Quote Me Happy there's obviously no fee, just the initial £50 excess as above.
To use a repairer of my choice such as a Volvo repair center the fee is £250 on top of the excess, £300 total.

But there could be a further catch depending how the wording of the small print is read :
The voucher says "up to £250 accidental excess" can be claimed, so if, like myself my accident/theft excess is only £50, then by opting to use the voucher I could possibly only be able to claim back my £50 accident/theft excess, not the full £250, therefore I would be out of pocket for even more, possibly the full £250 for opting to use a repairer of my choice.

I guess Volvo playing the card that some Volvo owners would opt to use a "specialist Volvo approved repair center" instead of a repair center chosen by your own insurance company.
 

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No fee or increased excess for using my chosen repairer. Aviva is the insurer.
There's no downside to getting the voucher, you don't have to use it, but you do need to understand the implications of doing so with whatever insurer you have WHEN YOU NEED IT. May not be the one you have now.....
 

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Discussion Starter · #5 ·
Agree it doesnt need to be used, but the offer from Volvo of a free £250 voucher isn't all it's cracked up to be when you look into the small print and look at any extra fees your current insurance may apply if using another repairer.

My point was dont just jump in thinking its a good offer, look into it before using it.

Quote Me Happy are actually Aviva using another name.
 
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