32 replies to this topic

[Acidpopstar]

With mine they offered around £8.5k. I mentioned the mods and sent them a load of examples and they added another £4k to the offer. Job jobbed within a week.

What car did you have and what insurance company?

[Mangham54]

Stage 2 Tubby I recall.

[Zoobeef]

Admiral I think. It had all the bits on for stage 4 but still a standard map. Standard wheels + suspension. December 2010.

[Enuk]

The insurance company has sent me the cheque, which I will not accept. I have told them that I don´t think the deal is appropriate. They offered to send at leat 3 examples of existing adverts in order for them to reassess the "market value" of the vehicle.

[jonathansouth]

The insurance company has sent me the cheque, which I will not accept. I have told them that I don´t think the deal is appropriate. They offered to send at leat 3 examples of existing adverts in order for them to reassess the "market value" of the vehicle.

Hold on to the cheque. Typically they'll send you additional cheques for the increased amount. With my insurance saga I ended up with 4 cheques in total.

[Enuk]

After some (many!) calls, this is my current situation:

 

They have valued my car in up to 8700, with 36% (is this too high?), this leaves me with a CAT-D and about 5500 on my pocket to carry the repairs. If I don´t want a CAT-D car, then they would only pay 4400, which is the repairs minus VAT. So the difference between a CATD or not is roughly 1.1k. What would you guys do?

 

I still don´t think it brings me back to my original situation, but it is better than the first offer. I have been redirected to the "complaints" department to try and settle this, as I think it is fair for me to push until I get to the same situation as I was pre-accident. 

[christhegasman]

So are yo saying you keep the car and they pay you 5.5k as well ? If so that seems reasonable and you could easily be 3000 in pocket and back on the road with a bit of work Ok it will be cat d But a lot are anyway Some are accident repaired and not recorded Just keep a detailed photo log of the repairs

[Enuk]

The damage is just the front clam and it should not be an issue to prove that the car is in good condition even with CATD. However, is just the CATD stamp that makes the value fall straight away.

[christhegasman]

The damage is just the front clam and it should not be an issue to prove that the car is in good condition even with CATD. However, is just the CATD stamp that makes the value fall straight away.

Price can fall a little on a cat d but if the op ends up 3k in pocket an na won't reduce that much

[Mangham54]

After some (many!) calls, this is my current situation:

 

They have valued my car in up to 8700, with 36% (is this too high?), this leaves me with a CAT-D and about 5500 on my pocket to carry the repairs. If I don´t want a CAT-D car, then they would only pay 4400, which is the repairs minus VAT. So the difference between a CATD or not is roughly 1.1k. What would you guys do?

 

I still don´t think it brings me back to my original situation, but it is better than the first offer. I have been redirected to the "complaints" department to try and settle this, as I think it is fair for me to push until I get to the same situation as I was pre-accident. 

 

How much can you get it repaired for?

 

If it it is less than £4400, then pay someone to do it and keep it as a non-cat car. If it is more than that take the Cat listed option and sell the car onto someone like TurboLuca or Jonny boy, as I am sure they would be likely to offer you at least the 36% you paid.

 

This shouldn't be about whether or not you can make money out of it... it should be about getting the car fixed and back on the road.

 

/rantover

[Gedi]

To be fair he needs to make money on. The car will loose value due to being a cat d. and it wasn't his fault.

If he can pocket £2k after repairs, that'll make up for the now devalued car.

[Pidgeon]

 

I think it is fair for me to push until I get to the same situation as I was pre-accident.  

 

and that is your right, up to the value of the car.  The law protects you up to that value, but no further.  If the value of the car is less than you consider be sufficient to place you in the situation you were in pre-accident, that's tough, fairness doesn't come into it. 

[Mangham54]

To be fair he needs to make money on. The car will loose value due to being a cat d. and it wasn't his fault. If he can pocket £2k after repairs, that'll make up for the now devalued car.

Not trying to create an arguement, but please re-read my post and the one before... As I am not suggesting the OP should accept being out of pocket with a cat car. If he doesn't want to be out of pocket then he needs to just hand over the keys and walk away with the cheque to buy a replacement.