Car Write-Off problem after no-fault accident

blackcateddie

rs65 wrote: »

Fill in a V33 ‘Application for a refund of vehicle tax when the tax disc is missing’.

Brilliant,

thanks for letting me know I can do that, really appreciate it:beer:

vaio

vax2002 wrote: »

You have decided to use your own insurance rather than force the other party to claim on their own.
this will put cost loadings on your insurance for many years.......

Nah, the loadings come from having a non fault claim, it makes no difference whether you claim on your insurance and they recover from the third party or whether you claim direct from the third party, it's still a non fault and will attract the non fault loading (which can of course be reclaimed from the third party).

Advantages of going direct.....no excess, no temporary loss of ncb, generally better coverage of uninsured losses like replacement cars.

Advantages of going via yours.......many people feel it's what you pay them for, FOS are available it it all goes wrong eg they undervalue your car significantly.

vax2002 wrote: »

.....The salvage company will send the tax back, if its left in the vehicle when they purchase it from the insurance, then thats a bonus for them.

I thought the rules had changed on that so garages/scrapyards can't reclaim. Last two I've been involved in the recovery/salvage have sent the tax disc back to my OH

rs65

vaio wrote: »

I thought the rules had changed on that so garages/scrapyards can't reclaim. Last two I've been involved in the recovery/salvage have sent the tax disc back to my OH

I've noticed that garages are keen to give you the disc back when you trade in. They never used to be.

vax2002

Before you start with sending in v33 forms I would have a look at what you signed and any terms and conditions on the claim form, it was a contract.

blackcateddie

I wonder if someone can answer this for me - as yet I haven't signed anything - purchased the insurance over the internet, and haven't accepted that my car is a write- off, I've asked four people now for written confirmation of the quote and have queried the valuation of my car which is now being reviewed by Aviva's head office.

I certainly didn't discuss the timescale of salvage, or when they might be wanting to pick the car up from the garage. The salvage people sent me a letter which I received yesterday asking for my documents which is what prompted me to go and remove my things and tax disc from my vehicle, only to discover the Salvage people had picked it up on the 24th!

Talking to Aviva yesterday ( an online chat representative) who said she contacted the garage and apparently I'd been present when salvage came to pick up the car - despite my clearly being 80 miles away at work I might add ( lying cheats!!!) she said there is no agreed timescale for them to return my things!

I do feel a little rail roaded, but as far as I can see, the vehicle is still in my name so I can claim the tax back - is this correct?

vaio

if you haven't agreed a value then post #4 from mikey is the best way forward

mikey72 wrote: »

Write to them, reject the offer, send the cheque back, and demand the car back, advise them you still have personal possessions in it.

As to valuations, look at

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

mikey72

blackcateddie wrote: »

I wonder if someone can answer this for me - as yet I haven't signed anything - purchased the insurance over the internet, and haven't accepted that my car is a write- off, I've asked four people now for written confirmation of the quote and have queried the valuation of my car which is now being reviewed by Aviva's head office.

I certainly didn't discuss the timescale of salvage, or when they might be wanting to pick the car up from the garage. The salvage people sent me a letter which I received yesterday asking for my documents which is what prompted me to go and remove my things and tax disc from my vehicle, only to discover the Salvage people had picked it up on the 24th!

Talking to Aviva yesterday ( an online chat representative) who said she contacted the garage and apparently I'd been present when salvage came to pick up the car - despite my clearly being 80 miles away at work I might add ( lying cheats!!!) she said there is no agreed timescale for them to return my things!

I do feel a little rail roaded, but as far as I can see, the vehicle is still in my name so I can claim the tax back - is this correct?

Dispute that you where there, send in a written formal complaint that their (the insurers) appointed representative has fraudulently disposed of the car, and falsified the information given, ie, that you where present.

State that you want the car returned, with your personal items intact, within 7 days. If not you will be making an official complaint to the FOS, seeking full payment as laid out by the FOS, compensation for personal items, and compensation for your time and distress, and, as the car is still in your name, considering seeking advice as to if the insurers representatives, ie the recovery company, and the salvage company, having taken the car without the owners permission, then falsified details afterwards.

Send it by special delivery, so they know you have proof they have received it.

Put in the v33 before the 31st as well.

edit - if you do get the tax back, don't include it on the claim if you never see the car again though.

Quentin

mikey72 wrote: »

......Put in the v33 before the 31st as well.

edit - if you do get the tax back, don't include it on the claim if you never see the car again though.

These forms aren't readily available! (A trip to a DVLA office needed, or rely on DVLA to post one out to you)

The OP needs to try and get the disc back by Tuesday, and put it in Tuesday's post (v14 form) to get the tax back from 1/2/12.

mikey72

If you can't, add the cost onto your claim for the car going missing.