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Thank you for your question and for your detailed narrative. The question to be asked here is whether the hire company have been negligent in some way so as to be held contributory negligent for the accident. As soon as you drove towards their premises your narrative states that you were in a dangerous situation and keen to get off the road. That in itself would suggest that they are contributory negligent for not providing a safe environment for customers to drive vehicles into their premises. The fact that there is no planning permission strengthens your case. I would refuse to pay and if they take it further I consider you would have an excellent defence. The rule is that if there is underlying illegality they can't benefit from that. I hope that helps. Please leave a positive rating so that I am credited for my time.
I would hold out. There has to be an implied term in the contract that there is a safe route to the premises. As regards ***** ***** question you have to ask is whether you consider you were in any respect to blame for the incident or was it entirely because of the locus.