BMW and M Power Owners

Quinnaay said:
Not sure if you’ve missed it or I’ve made it unclear, but my car was stolen and im suspecting it’s gone for good so my insurance are going to be negotiating a pay off price for my car which is why I’ve looked at motorway to see if there offer is going to be acceptable when they provide the figure.
Click to expand...

Why would the Motorway value have any relevance at all to you?

What your car is worth to a trade buyer is not a useful figure when negotiating an insurance settlement unless you are a trade buyer yourself.

What matters is what would it cost you to replace your car with another of similar year, specification and mileage using the method you usually use to purchase your cars. This is the value that matters and Motorway is not going to give you that and I don't really understand why you think it would.
 
Can’t wait for the ‘I accepted my insurance company’s payout based on the buy price Motorway gave but I can’t buy a similar replacement, what do I do?’ Post.
 
Quinnaay said:
Not sure if you’ve missed it or I’ve made it unclear, but my car was stolen and im suspecting it’s gone for good so my insurance are going to be negotiating a pay off price for my car which is why I’ve looked at motorway to see if there offer is going to be acceptable when they provide the figure.
Click to expand...
Ok but motorway is trade. You couldn't buy a car for as low as what motorway would offer you.
 
Makes sense didn’t think that’s how it worked. Can’t say I’ve ever had it happen before or wrote a car off. I’ve had a phone call today from the police, they found my car and it was apart of a 20min pursuit in which they rammed 3 police cars and then put it into a wall in Leeds. 3 arrested, can only assume the same 3 I have on CCTV that took it.
 
Last edited:
So...
Quinnaay said:
Makes sense didn’t think that’s how it worked. Can’t say I’ve ever had it happen before or wrote a car off. I’ve had a phone call today from the police, they found my car and it was apart of a 20min pursuit in which they rammed 3 police cars and then put it into a wall in Leeds. 3 arrested, can only assume the same 3 I have on CCTV that took it.
Click to expand...
Car in bits then
 
Quinnaay said:
Makes sense didn’t think that’s how it worked. Can’t say I’ve ever had it happen before or wrote a car off. I’ve had a phone call today from the police, they found my car and it was apart of a 20min pursuit in which they rammed 3 police cars and then put it into a wall in Leeds. 3 arrested, can only assume the same 3 I have on CCTV that took it.
Click to expand...

Diagro said:
So...

Car in bits then
Click to expand...
Not sure I'd want it back even if it could be repaired.
 
Quinnaay said:
Correct, police said to tell insurance tomorrow to say I don’t want it back.
Click to expand...
So today spend some tim eon autotrader, pistonheads, bmw used car site and get a price to buy a car the exact same as the model thatwas wrecked, or as similiar as can be.

That's the amount you want from yoour insurance, not what trade buys at.. As far as I know, always reject the first offer, someone who who knows better than me can confirm that.
 
After another conversation this morning it’s in a garage currently and he was making out it’s not ‘that bad’ front is scuffed and scratched near side wheel is a mess and windscreens smashed but the bloke said he thinks they might want to repair it. Do I get a say in the matter in this instance because I don’t want the car if it’s been damaged and thrashed or am I being silly and should take it back assuming it goes back to bmw and is put right?
 
Last edited:
I am not sure you'd get a say in the matter. If they can repair the car and return it to you for less than the cost of writing it off when they wouldn't they?

Insurance isn't there to buy you a new car if yours gets a front bumper scuffed.

That's not to say I don't understand your thoughts, I'd not want mine back in that situation but unfortunately I don't think the choice will be yours.
 
Quinnaay said:
After another conversation this morning it’s in a garage currently and he was making out it’s not ‘that bad’ front is scuffed and scratched near side wheel is a mess and windscreens smashed but the bloke said he thinks they might want to repair it. Do I get a say in the matter in this instance because I don’t want the car if it’s been damaged and thrashed or am I being silly and should take it back assuming it goes back to bmw and is put right?
Click to expand...
do you get to see/demand the full 'engineers' report of what is wrong ? to see if they they've checked it on a jig say, and to be able to have some come back.
 
Quinnaay said:
After another conversation this morning it’s in a garage currently and he was making out it’s not ‘that bad’ front is scuffed and scratched near side wheel is a mess and windscreens smashed but the bloke said he thinks they might want to repair it. Do I get a say in the matter in this instance because I don’t want the car if it’s been damaged and thrashed or am I being silly and should take it back assuming it goes back to bmw and is put right?
Click to expand...
You're being silly. Insurance isn't there to buy you a new car when yours gets damaged. It's there to fix your car.
 
Armageus said:
You equally don't necessarily get to choose who repairs it. The insurer may want to use their own repairer or charge you an additional excess to use a repairer of your choice
Click to expand...
I did.

AXA wanted to use FGM. I refused, and demanded it repaired at BMW.

They asked me to reconsider. I ignored them and just gave the car to BMW
 
Armageus said:
You equally don't necessarily get to choose who repairs it. The insurer may want to use their own repairer or charge you an additional excess to use a repairer of your choice
Click to expand...
If it's a non fault accident you get to choose. I'd get my main dealer to sort it and they liase with the insurer.
If its your fault you have less say but you can still get it done at the main dealer if they strike a deal.
 
Well it’s insured on BMW Flex, and It’s probably vague but says repairs are guaranteed for 5 years and it’s repaired by qualified bmw technicians with genuine bmw parts but I guess it doesn’t mean it has to be at BMW I’ll do my best to get it there if they deem it worthy of repair. I’ll have to see what the insurance say tomorrow and talk through options.
 
You must log in or register to reply here.
Back
Top Bottom