Insurance claim

GT/Estate · Posted: Mon Jan 02, 2012 8:53 pm Post subject: Insurance claim

Phoning insurance up tomorrow

Any one know what will happen? Like how they'll work out how much to pay etc?

Is it based on what they find them forsale at etc

Nrj · Posted: Mon Jan 02, 2012 8:58 pm Post subject:

did you get agreed value before? or what did you say it was worth?

tbh if you using a 'normal' insurance company they will see it as worthless and offer something stupid like £100.

bighed · Posted: Mon Jan 02, 2012 9:02 pm Post subject:

I couldn't get a guaranteed price on mine as it wasn't garaged frown

GT/Estate · Posted: Mon Jan 02, 2012 9:03 pm Post subject:

Footman and James classic policy £500 but my dad said they have to look around aswell, there is a self valuation form that came with the insurance ten days ago for me to fill in
On the insunce it says agreed value "not agreed" Or not applicable I think

moleman · Posted: Mon Jan 02, 2012 9:14 pm Post subject:

i hope all goes well with the claim bud, but i cant help but think unless you had a agreed value in writing then there gunna try mug you off with a few hundred quid offer for a car you cant just go out and replace,

i'll be looking for proper agreed value insurance on mine when it hits the road i havnt looked into this properly yet i hope it doesnt prove to be a complete arse,,

Jon_Kadett · Astra Legend Joined: 29 May 2005 Posts: 4087

the last one to sell was mk1minx 3dr estate and before that mine at £2000. tell them it was worth £1500 at least and its not replaceable and you would perfer the car back.

jo4nny8 · Posted: Tue Jan 03, 2012 8:30 am Post subject:

if youve got no agreed value then they in my experience they go on market value from one fo the guides (glass' etc)

if you disagree you then have to provide evidence that its worth what you think it is, i/e ebay sales (they have used that one on me in the past) autotrader that sort of thing.

was it insured legally with all mods declared and where they included on the documents they sent you that they are covered?

DeadEye · Posted: Tue Jan 03, 2012 1:07 pm Post subject:

Wasn't there an estate on eBay for something like £4k recently?

Nrj · Posted: Tue Jan 03, 2012 7:36 pm Post subject:

you will need advert to get your case up, as jon said his was advertised at £2k, plus the £4k hatch (use it just shows how collectable they are).

use the over price turbo thats always come up the red one, plus the shotter ad.

I had to do this for my old nova years ago.

mobile · Posted: Tue Jan 03, 2012 8:00 pm Post subject:

as above they go by galss's guide etc but then you argue it up with proof. I did this with my cav turbo a good few years ago when they wanted to write it off and offered 1200. off i went to migweb and the trader and they then re-valued it at 4.5k and didnt write it off and completed the repairs.

Sparko · Posted: Tue Jan 03, 2012 9:32 pm Post subject:

If you tell me the reg /mileage i can check glass's tomorrow at work if you like? As said, Matt has his up for £1400 at the mo, stress the turbo and you should get a bit more maybe??

GT/Estate · Posted: Tue Jan 03, 2012 10:23 pm Post subject:

it says on the paperwork (market value, untill i send a form in to do with condition etc) they said there motor department will look at what they think there worth lol (good luck finding one) and give me a settlement figure

just have to wait and see,

Jon_Kadett · Astra Legend Joined: 29 May 2005 Posts: 4087

You know they might be reading this.

Nrj · Posted: Wed Jan 04, 2012 9:02 pm Post subject:

probably but nothing wrong being done,

insurance is on of the last forms of legalised thieft.

GT/Estate · Posted: Sat Jan 14, 2012 2:35 pm Post subject:

still not heard owt from them!