Car insurance, what a con

oh_no_5

How come keith at post number 22 can quote vaio at number 24?

Ahhh it's been a long day...........

anewman

oh_no wrote: »

How come keith at post number 21 can quote vaio at number 24?

Ahhh it's been a long day...........

Looks like the posts are all getting mixed up somehow. Maybe needs reporting (my post quoting Vaio comes before Vaio's post).

raskazz

vaio wrote: »

Your insurance can exclude anything but this is a claim against a third party insurance company and their liability is to put you back in the position you would have been had you not been in the accident. If that includes loss of discounts then so be it

I'm fairly sure that the third party insurer would give a similar response (at least in the case of a Cat C or D write-off) - i.e. you keep the salvage and repair it if you want to trade it in for scrappage.

Even in the case of a Category A or B write-off I'm fairly sure that in the absence of any evidence that the innocent party was actually in the process of trading the car in under scrappage, the insurer would say "See you in court" or "We'll see what the Ombudsman says".

vaio

my fault, i deleted and re posted

vaio

raskazz wrote: »

I'm fairly sure that the third party would give a similar response (at least in the case of a Cat C or D write-off) - i.e. you keep the salvage and repair it if you want to trade it in for scrappage.

Even in the case of a Category A or B write-off I'm fairly sure that in the absence of any evidence that the innocent party was actually in the process of trading the car in under scrappage, the insurer would say "See you in court" or "We'll see what the Ombudsman says".

Don’t think so, I’m planning on driving my current car until august and then trading it in and getting the £2k discount. Why on earth should I be out of pocket because some dozy driver runs into the back of me?

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raskazz

vaio wrote: »

Don’t think so, I’m planning on driving my current car until august and then trading it in and getting the £2k discount. Why on earth should I be out of pocket because some dozy driver runs into the back of me?

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Taking the argument to its logical conclusion then people would be capable of claiming tens of thousands of pounds on written-off bangers on the assumption that they intended to keep it for 40 years until it became a rare and valuable cherished car. I really can't see a court of law supporting your view.

vaio

raskazz wrote: »

Taking the argument to its logical conclusion then people would be capable of claiming tens of thousands of pounds on written-off bangers on the assumption that they intended to keep it for 40 years until it became a rare and valuable cherished car. I really can't see a court of law supporting your view.

It’s about putting you back in the same position as you would have been if the accident hadn’t happened.

A written off banger could easily and cheaply be replaced and you’re back in the position you were in before the accident. Keep the replacement for 40 years and you still have a rare and valuable cherished car.

The 2k discount has conditions which means that it is now not available to the OP

dieselhead

vaio wrote: »

It’s about putting you back in the same position as you would have been if the accident hadn’t happened.

Unfortunately the reality is that this just doesn't happen, even after the long fight with your insurance company to get a fair price for your car, you are out of pocket in terms of the time, phone calls, postage, taking calls at work, collecting and returning hire cars, time and fuel looking at new cars etc... the list goes on and on, having been there my sympathies are with the OP.

Lum

Did the guy who hit you actually, stop (or get traced) and have valid insurance?

If this is the case then you should take your claim directly to the other guy's insurance rather than going through your own company because then you have the right to demand that they repair your car and they don't have the right to write it off.

You can probably find a no-win no fee claims company to help you with this. Drive Assist and Helphire tend to come up fairly often, though the quality of service that Helphire offer seems to have diminished somewhat of late.