anyone work in insurance

[syedorf]

my car got written off today and they have offered roughly half what its going to cost to replace.I told them I refused to accept their offer . what will happen now I'm getting a list together of cars similar to mine to give them . the worst thing is the cheeky bastard told me if I didn't like their offer I should cancel the claim with them and claim of my own insurance. BTW someone pulled out on me from traffic so there's no dispute to who was at fault or amything

 

[BigJimLittleJim]

You did the right thing, but you need to get some decent quotes on what the car's market value is etc.. so you can threaten them with legal action etc.. if you need to.
Apparently the insurance industry counts on mugs accepting renewal quotes and claims without question, you've got to fight for your money.

I'm sure some others on here will give some great advice on how to proceed from here :)

Good luck.

 

[the mystery illness]

put a whiplash claim in and say you can't get a hard on either , should make up the difference

 

[Anonymous]

If you can , have a look in that book that car salesmen use to value cars .... think it's called Glass's car valuation book ..... that will give you an idea of its worth from trades people who are selling it .

I'm unsure whether you can actually buy this book in shops or not ...

I should imagine that an insurance company would find it hard to disagree with a vehicles value if the car selling industry itself said it was definitely worth a certain price.


Most insurers will attempt to bounce a cars value down to suit their needs , and simply hope you accept their offer ... but for that guy to tell you to cancel with them and claim off your own insurance is a bit ridiculous , who's gonna do that if the other vehicle involved in the collision is insured????

<a class="postlink" href="https://www.google.co.uk/url?sa=t&rct=j&q=&esrc=s&source=web&cd=2&cad=rja&ved=0CEgQFjAB&url=http%3A%2F%2Fwww.glass.co.uk%2FValuations%2F&ei=OL0KUpXYCsn74QT3n4CACA&usg=AFQjCNFVXi9SnlnQoSUwDk48r3w2NdxtPQ&bvm=bv.50500085,d.bGE" onclick="window.open(this.href);return false;">https://www.google.co.uk/url?sa=t&rct=j ... 0085,d.bGE</a>

I think 'Robbo' on here possibly works in car sales , he might be able to advise you better on your cars true worth.

 

[syedorf]

I know I'm pretty pissed of really to be told to claim of my own my insurance is a bit of a pisstake and I'm putting a complaint in I've been searching for a replacement all week and for what they have offered and the reasons they gave were a joke full service history with every not since 3 years old . I have done timing belt water pump plus anything else its needed but apparently its "poor condition" I'm a mechanic btw. I'm no way accepting what they have offered I asked my pal who is a car trader and he gave me a rough value that is much higher than what they offered. they are just preying on people who don't know any better. I was just wondering if anyone else either had a similar experience or worked in the industry to give a bit of advice cheers for the help guys

 

[yayas trusty right foot]

This is the problem with cheap insurance nowadays, people in the UK seem to think the cheapest policy is the best but as with anything you just get what you pay for..

Comparison sites have seen off all the quality insurers and have been replaced by dozens of budget insurers that rip you off when a claim is made.

I used to sell Motor Insurance for Co Op Insurance and their premiums were nowhere near the cheapest but if you made a claim they looked after you and you got a fair market value on a write off..

 

[syedorf]

its aviva the company I'm dealing with to be fair I has a courtesy car sorted within half an hour of making the first call but the price they have given me I can't even replace it with a piece of shit they have offered lower than the cheapest on eBay or auto trader . I'm more pissed of about them telling me to cancel my claim with them because I was always pretty sure I was going to haggle just not THAT much .

 

[m7mcfc]

If you can , have a look in that book that car salesmen use to value cars .... think it's called Glass's car valuation book ..... that will give you an idea of its worth from trades people who are selling it .

I'm unsure whether you can actually buy this book in shops or not ...

I should imagine that an insurance company would find it hard to disagree with a vehicles value if the car selling industry itself said it was definitely worth a certain price.


Most insurers will attempt to bounce a cars value down to suit their needs , and simply hope you accept their offer ... but for that guy to tell you to cancel with them and claim off your own insurance is a bit ridiculous , who's gonna do that if the other vehicle involved in the collision is insured????

<a class="postlink" href="https://www.google.co.uk/url?sa=t&rct=j&q=&esrc=s&source=web&cd=2&cad=rja&ved=0CEgQFjAB&url=http%3A%2F%2Fwww.glass.co.uk%2FValuations%2F&ei=OL0KUpXYCsn74QT3n4CACA&usg=AFQjCNFVXi9SnlnQoSUwDk48r3w2NdxtPQ&bvm=bv.50500085,d.bGE" onclick="window.open(this.href);return false;">https://www.google.co.uk/url?sa=t&rct=j ... 0085,d.bGE</a>

I think 'Robbo' on here possibly works in car sales , he might be able to advise you better on your cars true worth.[/quote

What your looking for is the black book.

<a class="postlink" href="http://www.cap.co.uk/products-and-services/black-book" onclick="window.open(this.href);return false;">http://www.cap.co.uk/products-and-services/black-book</a>

 

[syedorf]

thanks for the info guys much appreciated

 

[yayas trusty right foot]

Aviva are certainly a big name but they offer low premiums to compete and so have to make up the money elsewhere, hence below market value payouts..

As the other poster said, do a bit of homework and find out a reasonable value for the car..

Put this to them and then just mither them or appeal if you can. They might just be trying it on to see if you will accept the first offer.

Dont forget that you also have your policy excess to pay, find out whether any figure includes this or not.