Write of
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From: Bewdley, Worcestershire
Originally Posted by UK_S2000,Jan 10 2008, 09:38 AM
Don't forget insurers are always out to make money so they'll always offer you rock bottom if they think they can get away with it.
Most just accept the offer because they're too lazy to scour ads to find out how much it will cost to get an identical (or as close to) car back.
P.S. Any pics of the mangle?
Most just accept the offer because they're too lazy to scour ads to find out how much it will cost to get an identical (or as close to) car back.
P.S. Any pics of the mangle?
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Thanks guys. To answer some questions it was an 02 plate that i bought back in September for 13.5k. They know what i paid for it as thats what i insured it for. Crash was all my fault no other parties.
The engineer was on Autotrader whilst he was talking to me and found similar models for 13k so 12800 didnt seem to difficult to take. We did thrash it out for a while to get him up to this.
As i said previously it just doesnt seem right to say 'if it was mine i wouldnt want it back', and then turn round and say no cant pay out that much, we'll repair it and bobs your uncle??!!!
The only thing is that after the excess of 250 is taken of and the fact i've been without a car and paying insurance for getting on 2 months and i feel a bit hard done by.
I tried to say i wanted all of these things wrapped up into one issue but they say this is impossible and that i would have to complain seperately after i have accepted the settlement offer.
As you can imagine the bottom line is i need a cheque asap to get back on the road so i dont seem to see another way!!
The engineer was on Autotrader whilst he was talking to me and found similar models for 13k so 12800 didnt seem to difficult to take. We did thrash it out for a while to get him up to this.
As i said previously it just doesnt seem right to say 'if it was mine i wouldnt want it back', and then turn round and say no cant pay out that much, we'll repair it and bobs your uncle??!!!
The only thing is that after the excess of 250 is taken of and the fact i've been without a car and paying insurance for getting on 2 months and i feel a bit hard done by.
I tried to say i wanted all of these things wrapped up into one issue but they say this is impossible and that i would have to complain seperately after i have accepted the settlement offer.
As you can imagine the bottom line is i need a cheque asap to get back on the road so i dont seem to see another way!!
Joined: Jul 2007
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From: Here and awake!
Well fixing the car is not really an option as the chassis is damaged, and I would definitely not want my car back if that was damaged no matter what they said. If it was panels and cosmetic then I would let them repair it, but it isn't in your case.
Take Jel up on his offer, chat to him and stick to your guns, you should get up in the region of 14k for your car from the insurers IMO ... good luck and hold out!
Take Jel up on his offer, chat to him and stick to your guns, you should get up in the region of 14k for your car from the insurers IMO ... good luck and hold out!
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From: Sheffield
For sure stick to your guns. My car was nearly a year old when I had my accident. They spent just shy of 13K repairing it to a sub standard finish. Negoitated for them to buy it off me after the repair when it was 18 moths old and used Honda website to show similar vehicle prices. Paid me out 23.5 K 
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From: Glasgow
I agree with the earlier advice about using Autotrader, but I generally only tell folk to use the price for equivalent cars off "decent" main dealership forecourts.
Why should you have to take the chance of a private deal, to save the insurance company a few quid?
Did this with my dad when he managed to wrtite-off his Volve S80. We checked Volvo dealers to get an equivalent car & cost, and achieved the money after some haggling
That was through Directline, who I have to say on that both occaisions that we've been unfortunate to use them, were very efficient!
From writing off the S80 to receiving the cheque was 7days!
Someone pulled out infront of my 206Gti a few years ago, and again they were pretty good. Didin't even pay the excess up front
Mind you for the S' they are too expensive
Why should you have to take the chance of a private deal, to save the insurance company a few quid?
Did this with my dad when he managed to wrtite-off his Volve S80. We checked Volvo dealers to get an equivalent car & cost, and achieved the money after some haggling
That was through Directline, who I have to say on that both occaisions that we've been unfortunate to use them, were very efficient!
From writing off the S80 to receiving the cheque was 7days!
Someone pulled out infront of my 206Gti a few years ago, and again they were pretty good. Didin't even pay the excess up front
Mind you for the S' they are too expensive
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I've been in a similar situation myself -
I'm afraid the autotrader idea will not work. Autotrader prices only say what people ask for their car and since people always over estimate their cars value it isn't very accurate. I've never known anyone buy a car for asking price. This is exactly what the insurance company says. It is all based on Glass's guide which is an accurate measure of what cars are selling for (whether you like it or not).
If you want the cash you need to get hold of the Glass's guide and find what it would cost you to buy an an equivalent car (don't forget to allow for mileage and extras). You will never get more than this. However what I did is ask for a replacement - they ended up buying me a new one!
Took my insurance company 12 weeks to decide whether or not to write off my car - they're all bastards and will always procrastinate when thinking about forking out cash like that.
I'm afraid the autotrader idea will not work. Autotrader prices only say what people ask for their car and since people always over estimate their cars value it isn't very accurate. I've never known anyone buy a car for asking price. This is exactly what the insurance company says. It is all based on Glass's guide which is an accurate measure of what cars are selling for (whether you like it or not).
If you want the cash you need to get hold of the Glass's guide and find what it would cost you to buy an an equivalent car (don't forget to allow for mileage and extras). You will never get more than this. However what I did is ask for a replacement - they ended up buying me a new one!
Took my insurance company 12 weeks to decide whether or not to write off my car - they're all bastards and will always procrastinate when thinking about forking out cash like that.
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From: Survivalist enclave
Originally Posted by cullywoo,Jan 10 2008, 07:10 PM
I'm afraid the autotrader idea will not work. Autotrader prices only say what people ask for their car and since people always over estimate their cars value it isn't very accurate. I've never known anyone buy a car for asking price. This is exactly what the insurance company says. It is all based on Glass's guide which is an accurate measure of what cars are selling for (whether you like it or not).
and so will the Ombudsman
http://www.financial-ombudsman.org.uk/publ...orinsurance.htm
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From: Bedfordshire
Autotrader did work for me. However, the car in question at the time was an obsolete, rare Accord Coupe which was 8 years old at the time.
In Borely's case, the car is still listed in Glass's. Still worth a try though in my opinion.
In Borely's case, the car is still listed in Glass's. Still worth a try though in my opinion.