Flooded car

First offers are always daft.

My mate was offered £3000 for his old DC2 that he wrote off. He had £7500 after arguing with them.
 
Gaygle said:
The most it would do was a smell a bit. Can't believe they've Cat B'd it. Extensive damage and should never return to the road? What?! Cat B's are normally reserved for when there is significant damage of the shell that's weakened it to the point it would never be as strong and as safe as it previously was.
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And this is why you shouldn't believe everything you read on the internet. If you did then you'd also believe that a Cat C or Cat D relate to the level of damage a car has sustained (which it doesn't).

Flood damaged cars are invariably written off, and if there is any chance they have been exposed to raw sewage then it will be a Cat B as the car poses a health hazard.
 
Value wise the broker is now very unhappy and all I can do is praise the broker as they are now fighting for the value and even they are telling me its a crazy low ball offer. The fact I don't have to go through adverts all 9 of them (lol)to find something the insurance company think I can find one with the same miles and mods and condition as mine saves me a lot of hassle.
 
17k WTF thats ********. When they written my dc2 off i accepted first offer as i had no mods declared and got my car back for just 1k

They should give you at lest 25k
 
Utter joke mate, but tbh the first offer always is, however normally it's not as vast as that difference.

Please say you have receipts for the mods and the work hours charged for fitting them.

I appreciate the situation but I'm really thinking you should have told them to jog on when they wanted to collect the car, wether insurance ran out or not is irrelevant as the claim was whilst the policy was active. Youve made sure the renewal hasn't gone thru yeah? I'd not be going with this insurance company again.

To prove market value, cant you stick the car up on eBay as it was with a BIN/best offer on and see what it goes for?

I know when my ibiza died they were comparing ads on ebay, auto trader and they even accepted stuff I mentioned from pistonheads.
 
I have receipts for all mods inc fitting costs etc and after totalling it all up it came to £5000ish and this is what is annoying me as the cheapest around unmodified is £17000 and that's double my mileage. If they are basis it on that then I should be looking at nearer 22k
 
Same one I'm with, or used to be with.

I remember when I wrote my DC5 off I was offered a silly low price with Marker Study. When I queried it and asked for examples for sale I was shown various DC2's for sale.
 
I'm very surprised at the damage. After all, rainwater is fresh water. I remember my old Proton getting a soaking courtesy of the Fire Brigade - a prank - and working fine afterwards. And then there's that Top Gear episode.
 
Quartz said:
I'm very surprised at the damage. After all, rainwater is fresh water. I remember my old Proton getting a soaking courtesy of the Fire Brigade - a prank - and working fine afterwards. And then there's that Top Gear episode.
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This isn't just rainwater. It mixes with overflowing sewerage pipes - so the chances are you could have a diluted mix of urine, faeces, plus whatever else gets flushed these days (sanitary towels, condoms, nappies etc).

You just do not want to think about what it will smell like, irrespective of the electric or mechanical damage.
 
Skywalker said:
I have receipts for all mods inc fitting costs etc and after totalling it all up it came to £5000ish and this is what is annoying me as the cheapest around unmodified is £17000 and that's double my mileage. If they are basis it on that then I should be looking at nearer 22k
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Ah good, so surely you can simply argue they have offerred you a value for an unmodified exmaple and would liek the cost fo the mods added?

Skywalker said:
The engineer have no reason as to his valuation and no breakdown of car value and mod value
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I'd definatley be chasing that up, I'd suspect the "engineer" hasn't got a clue and has plucked a number from thin air.
Demand a broken down valuation.

I'd make it clear to them you do not want them doing anything with the car until this matter is resolved tbh.

How many of these are available for sale at the moment?
ebay/pistonheads/gumtree/autotrader.
remember to check eBay completed auctions too.

Sounds like it could be a bit of hassle :(
when you called them did the person you spoke to on the phone even sound as if they remotely had a clue?
 
It was the head engineer that gave the valuation as well.

I have found no more than 15 around forsale in total looking at pistonheads, ebay , auto trader and general net searches.

The car is at Coparts for storage only at the moment
 
What really boils my pee is that you pay for a product (insurance) and part of the service seems to be that it's acceptable to give as little for a car that's written off as is possible. It's pretty shocking that they're allowed to get away with this. So many people just roll over and accept low-ball offers, supplementing their payout with their own money to get back to square one. They may as well say your excess is £500 plus 25% of the vehicles value in the event it's written off in a fault claim and that you pay a stealth excess if some other person is at fault.
 
You should be able to get the ombudsman on board if you can see they're clearly not being fair with the valuation.

Mr brother was in a different situation (car was worth a lot less) and they had seriously undervalued his car, after speaking with the ombudsman and then going back to the insurance company to tell them that he'd be getting the ombudsman involved if they weren't going to offer a fair valuation. Thankfully they offered him a price he could agree on without needed any involvement from the ombudsman.
 
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