car is written off. they're offering me 16% less than I paid for it 9 months ago.

snomad

Non fault accident.

My insurers pay up for my written off car first, then claim off theirs.

I bought the car 9 months ago for £6500 from Available Car. The parkers price is £6350. I insured it for £6000. My insurers offered me £4,800 then after much argument raised it to £5000.

How can a (not new) car loose £1000 (actually £1500 but since I only insured for £6000) in 9 months?

I have asked them to justify this & tell me what they base the valuation on but they won't tell me. He just said he could see1 1 similar car somewhere in Scotland (100's of miles away) on Auto Trader from a private dealer.

I said I bought from a big local dealer to avoid getting ripped off, to get a 12 months MOT, warranty etc. etc.

Is this normal? What can I do? All I want is a like for like car back.

Quentin

Find your own evidence and appeal their valuation based on your evidence.

mikey72

The £6000 doesn't really matter.
They should base the pay out on the price you could expect to buy the car for now, from a dealer. Parkers and Glass's guide, not auto trader prices.
You need to find these out, then make a formal complaint, and tell them you will refer the complaint to the FOS if they do not offer the correct amount.

http://www.financial-ombudsman.org.uk/publications/ombudsman-news/62/62-ask.htm

http://www.financial-ombudsman.org.uk/publications/technical_notes/motor-valuation.html

alistair.long

simple evidence is autotrader price, ebay etc. print out some pages and forward this to them. You say your car was written off, if a independant engineer examined it, he/she would have put a price on how much your car is worth, and how much your car would be worth if you take it back, e.g car worth £5000, scrap value £500, so the insurance will offer you £4500