I used a lwb van in July to move house, when I took it back there was a 5cm scratch on one side, couldn't figure out where it happened but there was a streak of dirt continuing from it which indicated it was fresh. Only thing I think it could have been was that when we were parked in the loading dock bit of the block of flats they were loading in building materials for the development next door and something might have scraped against it (wasn't somewhere that it could have been caused when driving).
Anyhow, I accepted it had happened on my watch. I hadn't paid the extra excess protection from the company but had taken out a cheaper third-party policy with £100 excess. The hire company took out £1150 from my credit card as that was their excess, but said the repair would be about £200 and they'd refund the difference, and they'd look at it on Monday for a quote to determine this.
I heard nothing for a couple of weeks, chased them by phone, told it hadn't been looked at yet. A few weeks later I was concerned the credit card payment would then come out of my bank as nothing had been refunded, which was going to screw me a bit. Phoned again, still no decision. Money came out, ouch. I couldn't reclaim on the third party insurance until I had the paperwork from Enterprise. Chased them a couple more times over the following month, telling them how pissed off I was.
Eventually I spoke a couple of weeks ago, and they said that because they hadn't managed to sort it out they'd refunded my excess in full at the end of September. Doesn't say much for their competence, but a win for me
. Not sure how I get the money back off my credit card though!
Another thing I wondered about due to this incident - if I had made a claim on the excess protection insurance for this small scratch, would that have been recorded as an insurance claim that could have affected my own car insurance premium?