Killed my car in flood water

Caporegime
Joined
25 Nov 2004
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On the road....
Fox is quite right, never ever accept the first offer, it's the opening bid in what they hope the insured will accept.

I had an RS Turbo Escort stolen years back, first (imo cheeky) offer was £3.5k 2nd offer £4k & ultimately got just under £5k, which was more or less what I paid for it 10months ish earlier.
 
Soldato
Joined
13 Mar 2004
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16,649
thats all pretty standard stuff, but it helps moar if you have somethng a big unique so you can argue abuot finding a comparable on on the market and hence setting the market value

when a friend of mine had her old Audi A3 smashed up for her, because of the mods and condition of the car they ended up making a big increase on the original offer AND she ended up keeping the car (ie for its parts and scrap value lol)
 
Caporegime
Joined
25 Nov 2004
Posts
25,828
Location
On the road....
thats all pretty standard stuff, but it helps moar if you have somethng a big unique so you can argue abuot finding a comparable on on the market and hence setting the market value

when a friend of mine had her old Audi A3 smashed up for her, because of the mods and condition of the car they ended up making a big increase on the original offer AND she ended up keeping the car (ie for its parts and scrap value lol)

Good point, faxing (it twas days before email) some "scene taxed" adverts to my insurer certainly helped me argue the case for a bigger payout. :)
 
Soldato
Joined
21 Oct 2002
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18,022
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London & Singapore
I remember when I dealt with my insurers for putting my car in a hedge. It's not as easy as it sounds to deal with the them.

For me they sent me a cheque in the post, to which I phoned them and said "this isn't high enough". They said "go ahead and deposit it anyway and you can negotiate for a further amount afterwards, this is completely normal sir". So I deposit it. Then low and behold as soon I have done so the barriers come down and they basically don't want to even talk to you any more. In the end I managed to get an extra £200 I think which didn't even cover my day rate of the time versus the time spent on the phone to them.

Couple this with you still feeling like a right arse for causing the whole situation in the first place, and in the end you just can't be bothered chasing it any longer.
 
Soldato
Joined
17 Dec 2009
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10,255
For me they sent me a cheque in the post, to which I phoned them and said "this isn't high enough". They said "go ahead and deposit it anyway and you can negotiate for a further amount afterwards, this is completely normal sir". So I deposit it. Then low and behold as soon I have done so the barriers come down and they basically don't want to even talk to you any more.

I would have gone to the ombudsman straight away, that's a right par mate, stand and bang.
 
Soldato
Joined
4 Jul 2011
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4,289
Location
England
Ahhh, you live near me. Cannot believe you even attempted to drive through that.
You're in the moors a lot, just bite the bullet and buy a Defender?
Considering how many of the roads ended up being closed when this likely happened I wouldn't have bothered.
 
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