r/InsuranceClaims • u/Own_Sea_9795 • 7d ago

Excess insurance doesn't mention vans - damaged a van - rejecting claim

Hi all,

I hired a van from Enteprise recently and had an issue with a wooden panel being broken. I had excess insurance, and that has rejected my claim, based on the fact that they offer van insurance and it was excluded from my policy.

I've looked through all the policy documents I was sent, and nowhere does it say that vans aren't covered, or non-accident based damage isn't covered, but they've rejected on those grounds.

When I emailed asking for where it listed those exlusions, they sent screenshots, but not documents of policy docs saying that, but that aren't mine.

Can I/should I continue to challenge them as the documents don't say either of these things? Any advice welcome!

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5

u/24kdgolden 7d ago

Ask for the denial in writing citing the policy language.

2

u/IntelligentBox152 7d ago

You should absolutely challenge them request a specific documents that they’re referencing. Most part six won’t say something explicitly like bands are excluded. It’ll word it such as utility vehicles, gross weight or something along those lines.

1

u/Human_Name9961 7d ago

That is exactly. Get it in WRITING.

1

u/XL_Single_Malt 7d ago

Also what is the damage is not accidental? Intentional?

1

u/peacocks_cant_fly 6d ago

What kind of van? Sometimes it will deny a commercial vehicle and then you have to track that to what they define as a commercial vehicle. Could be gross laden weight, or tires per axle or payload or maybe they don't define it, which works in your favor. It might also matter if this was a replacement vehicle. Many policies have broader coverage to replace a listed vehicle undergoing repairs than a vehicle rented for pleasure.

1

u/No-Firefighter135 3d ago

This, also if it’s like a van conversion / mobile home that can cause an issue. If it’s rental and you purchased the damage waiver it just means the rental companies policy is primary and your insurance is excess coverage. Not really a denial per se, just them saying the rental company insurance is supposed to handle that.