Associate
- Joined
- 6 Nov 2006
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- 722
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- Devon
If he were to try to trade it into ford wouldn't they have a record as it's gone to them to be assessed so even if you manage to word play out of it they'd know?
How do I encourage insurance to write off?
- Thread starter Reezer
- Start date
If he were to try to trade it into ford wouldn't they have a record as it's gone to them to be assessed so even if you manage to word play out of it they'd know?
Nah, they'll HPI the car, nothing more
The bodyshop will keep a record, but you'd have to be specifically looking for it and a dealership is highly unlikely to do so
Caporegime
- Joined
- 18 Oct 2002
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- 37,798
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- block 16, cell 12
Well if ford try knocking you down because it's been in a crash tell them they repaired it and unless they don't have faith in their own repairs to put it right, thwn they sjould offer full value for it or accept tjey did a shoddy repair.
I don't think there's much that you do to be honest. The only thing to try and do is maybe give the insurance company a heads up on what the garage has quoted in terms of there may be more costs that haven't been taken into account.
In terms of keep rejecting the repair and hire car costs, these are things that would occur after the car has been repaired so I'd have thought that as the insurance company has already paid for the repairs they'll be lest inclined to then write it off.
In terms of keep rejecting the repair and hire car costs, these are things that would occur after the car has been repaired so I'd have thought that as the insurance company has already paid for the repairs they'll be lest inclined to then write it off.
Soldato
- Joined
- 13 Sep 2003
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- 8,624
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- Glocestershire
Fire!
So, just spoke to the assessor and he basically dismissed every argument again 
Diminution of value - he said that's not part of my insurance policy, he said the fact the car has been returned to "as new" condition according to Fords specs the value I get when I sell it is down to me. He said if I wanted to follow this up I should speak to my solicitor which I will, I have to contact them anyway because they've got me down as Female and Married when I'm Male and Single... quality service they offer! I'll ask them about it and see what they say.
Hire Car costs - he said the cost for the hire car I have is trivial; it's costing them <£5 a day, probably more like £2 a day. So I'd have to have the hire car for years for it to have any bearing. He said he'd factor it into the equation but it wouldn't make any difference.
I pointed out I'm going to be very anal about anything I see on the car after repair but he said a) it will be perfect once done and b) the quote they currently have has a lot of slack in it for fixing up anything I/they notice during/after repair.
Sounds like I'm stuffed basically.
Thanks for the advice guys.
Diminution of value - he said that's not part of my insurance policy, he said the fact the car has been returned to "as new" condition according to Fords specs the value I get when I sell it is down to me. He said if I wanted to follow this up I should speak to my solicitor which I will, I have to contact them anyway because they've got me down as Female and Married when I'm Male and Single... quality service they offer! I'll ask them about it and see what they say.
Hire Car costs - he said the cost for the hire car I have is trivial; it's costing them <£5 a day, probably more like £2 a day. So I'd have to have the hire car for years for it to have any bearing. He said he'd factor it into the equation but it wouldn't make any difference.
I pointed out I'm going to be very anal about anything I see on the car after repair but he said a) it will be perfect once done and b) the quote they currently have has a lot of slack in it for fixing up anything I/they notice during/after repair.
Sounds like I'm stuffed basically.
Thanks for the advice guys.
Caporegime
- Joined
- 18 Oct 2002
- Posts
- 37,798
- Location
- block 16, cell 12
My insurance claim is currently with the ombudsman as it's clear my insures weren't working in my interest despite it being a no fault claim.
If its a non fault incident then for the third party it will show as a claim, for you it would show as a non fault incident. Majority of insurance companies rate on accident, losses, theft, incident or claims regardless of fault, so it would be something that is taken in to consideration.
The risk changes on an individual as your experiance is different from that of someone who has never been involved of any incident.
just one of the many rating factors that not everyone will agree on sadly.
The risk changes on an individual as your experiance is different from that of someone who has never been involved of any incident.
just one of the many rating factors that not everyone will agree on sadly.
Lets hope they think being rammed by a fool on their phone makes me a more cautious driver and they reduce my premium appropriately! Ha!
Sounds like you'll just have to go with the repair and hope its a good one Being at a Ford repair centre doesn't automatically mean it will be though. I had a whole world of pain when my CTR went in for 4k worth of repairs at the Ford Arnold Clark repair centre in Newcastle. So much so that after rejecting it approximately 6 times they ended up sending it to another AC repair centre and redoing pretty much all of the work again - including giving the car a full respray as they couldn't perfectly match the paint. It only took them 15 weeks to sort out 
My experience:
http://forums.overclockers.co.uk/showthread.php?t=18043263&highlight=startername_dale1uk
http://forums.overclockers.co.uk/showthread.php?t=18078547&highlight=startername_dale1uk
Good luck!!
Being at a Ford repair centre doesn't automatically mean it will be though. I had a whole world of pain when my CTR went in for 4k worth of repairs at the Ford Arnold Clark repair centre in Newcastle. So much so that after rejecting it approximately 6 times they ended up sending it to another AC repair centre and redoing pretty much all of the work again - including giving the car a full respray as they couldn't perfectly match the paint. It only took them 15 weeks to sort out My experience:
http://forums.overclockers.co.uk/showthread.php?t=18043263&highlight=startername_dale1uk
http://forums.overclockers.co.uk/showthread.php?t=18078547&highlight=startername_dale1uk
Good luck!!
Last edited:
Hi again all
Just had the car back... that's 10 weeks. They told me it was ready 2 weeks ago but when I went to look at it I found a dozen issues in 5 minutes. The ass at the dealer kept saying they had gone over it with a fine toothed comb and they were really confident it was in perfect condition again and yet, every angle I looked from I found another issue. The seat had oil stains, they had put a chrome stem+dustcap on one wheel, they had dropped the bumper and chipped a corner off quite badly, the bonnet wasn't on straight, there was visible primer along the front of the bonnet, there was rubber poking out one side of the bonnet, the plastic around the wheel arches on the front was missing screws, the colour was completely wrong on one panel, etc, etc.
It was tortuous and the ass kept giving me the sales pitch and trying to spin everything as not a real issue. I wanted to kill him but felt that that would probably not help my cause.
Anyway, the insurance engineer authorized those changes and they took two weeks doing them.
I picked it up yesterday and drove it for the first time. It wasn't as bad as I expected initially.
They hadn't finished the setup procedure after resetting the ECU so various electronics didn't work properly but I found the procedures to fix them on the net and did it myself so that's not a problem.
The big problem was when I hit 70mph there was minor vibration through the steering wheel. The faster I went the worse it got, I went up to 90 and the problem was still very obvious.
I haven't spoken to anyone yet because it's the weekend but I'm going to ring the insurance on Monday.
I have two concerns. One is that the repaired alloys are either not perfectly round or that they've put so much putty on them they are really unbalanced and will need loads of counter weight to balance. I suppose if they can be balanced this isn't the end of the world but I don't think I should have to have these crappy ass repairs and excessive fugly lead weights because of someone else's incompetence. I'm going to try and demand all new wheels but I highly doubt the insurance company will play ball.
The second and bigger concern is that balancing won't fix the issue and they will mess me about for weeks on end, constantly telling me it's fixed and having me drive for an hour to pick it up only to return it the next day.
I'm also really unimpressed by the Ford main dealer that has been fixing the car. I'm going to complain to Ford customer services about a) the way I've been treated and b) the quality of the work they've done. I doubt it will make any difference but I feel they need to know how bad some of the crooks they've appointed to use their name are.
Dunno what advice anyone is going to be able to give but I felt like complaining about it in this rambling fashion none-the-less.
Damn insurance, damn other drivers and damn crappy main dealers.
Just had the car back... that's 10 weeks. They told me it was ready 2 weeks ago but when I went to look at it I found a dozen issues in 5 minutes. The ass at the dealer kept saying they had gone over it with a fine toothed comb and they were really confident it was in perfect condition again and yet, every angle I looked from I found another issue. The seat had oil stains, they had put a chrome stem+dustcap on one wheel, they had dropped the bumper and chipped a corner off quite badly, the bonnet wasn't on straight, there was visible primer along the front of the bonnet, there was rubber poking out one side of the bonnet, the plastic around the wheel arches on the front was missing screws, the colour was completely wrong on one panel, etc, etc.
It was tortuous and the ass kept giving me the sales pitch and trying to spin everything as not a real issue. I wanted to kill him but felt that that would probably not help my cause.
Anyway, the insurance engineer authorized those changes and they took two weeks doing them.
I picked it up yesterday and drove it for the first time. It wasn't as bad as I expected initially.
They hadn't finished the setup procedure after resetting the ECU so various electronics didn't work properly but I found the procedures to fix them on the net and did it myself so that's not a problem.
The big problem was when I hit 70mph there was minor vibration through the steering wheel. The faster I went the worse it got, I went up to 90 and the problem was still very obvious.
I haven't spoken to anyone yet because it's the weekend but I'm going to ring the insurance on Monday.
I have two concerns. One is that the repaired alloys are either not perfectly round or that they've put so much putty on them they are really unbalanced and will need loads of counter weight to balance. I suppose if they can be balanced this isn't the end of the world but I don't think I should have to have these crappy ass repairs and excessive fugly lead weights because of someone else's incompetence. I'm going to try and demand all new wheels but I highly doubt the insurance company will play ball.
The second and bigger concern is that balancing won't fix the issue and they will mess me about for weeks on end, constantly telling me it's fixed and having me drive for an hour to pick it up only to return it the next day.
I'm also really unimpressed by the Ford main dealer that has been fixing the car. I'm going to complain to Ford customer services about a) the way I've been treated and b) the quality of the work they've done. I doubt it will make any difference but I feel they need to know how bad some of the crooks they've appointed to use their name are.
Dunno what advice anyone is going to be able to give but I felt like complaining about it in this rambling fashion none-the-less.
Damn insurance, damn other drivers and damn crappy main dealers.
Did you ever get anywhere with your diminution route? As the car was only 2 weeks old and anywhere with a trained eye can likely spot the repair, you might have a valid claim.
The insurance companies don't have a "diminution book value" to refer to, either, so can't just fob you off.
If there is wheel vibration I would certainly complain until it is absolutely perfect. If they have repaired the wheels it's likely they are a bit 'off' if they sustained quite a bit of damage, so will need replacing!
The insurance companies don't have a "diminution book value" to refer to, either, so can't just fob you off.
If there is wheel vibration I would certainly complain until it is absolutely perfect. If they have repaired the wheels it's likely they are a bit 'off' if they sustained quite a bit of damage, so will need replacing!
The solicitors are dealing with the diminution claim but they say they can't progress it until the vehicle repairs have been finished.
They also said I have to inform them of my intent to sell the car as a result of the accident for them to be able to pay out.
The diminution is likely to be based off the value of the vehicle at the time of the accident not the new price so it will be less the depreciation of taking it off the forecourt.
That probably means sale + diminution is going to be several thousand less than I paid for it.
The book value of the car at 2 months old and 400 miles on the clock was 13,500 according to the insurance engineer. Five grand sounds very steep to me but I have nothing else to compare it to. The ford dealer refused to give me a valuation for the vehicle. That's going to be something else I complain to Ford about - if they have put it back to spec there shouldn't be any question about the price... just look it up in the book.
They also said I have to inform them of my intent to sell the car as a result of the accident for them to be able to pay out.
The diminution is likely to be based off the value of the vehicle at the time of the accident not the new price so it will be less the depreciation of taking it off the forecourt.
That probably means sale + diminution is going to be several thousand less than I paid for it.
The book value of the car at 2 months old and 400 miles on the clock was 13,500 according to the insurance engineer. Five grand sounds very steep to me but I have nothing else to compare it to. The ford dealer refused to give me a valuation for the vehicle. That's going to be something else I complain to Ford about - if they have put it back to spec there shouldn't be any question about the price... just look it up in the book.
