Non fault car write off, but want 2nd opinion on repairs

vaio

NurseMoneySaver1122 wrote: »

Churchill's Engineer told me they would require a fresh MOT.......

As above, the engineer isn't high enough up to food chain to know (and isn't he the one who valued the car at £1k when the FOS guidelines say £1.5k?).

The answer is to read the T&C and general assumptions and if those and the proposal questions don't mention write off status/new MOT then you'll be fine. Start asking and you'll get told all sorts of nonsense, most of which will cost you money/cause you grief.

having said that, because you have an open claim you might find that you are better staying with your current insurer as other insurers might well load/disallow NCB pending final resolution

NurseMoneySaver1122

vaio wrote: »

As above, the engineer isn't high enough up to food chain to know (and isn't he the one who valued the car at £1k when the FOS guidelines say £1.5k?).

The answer is to read the T&C and general assumptions and if those and the proposal questions don't mention write off status/new MOT then you'll be fine. Start asking and you'll get told all sorts of nonsense, most of which will cost you money/cause you grief.

having said that, because you have an open claim you might find that you are better staying with your current insurer as other insurers might well load/disallow NCB pending final resolution

You're probably right...my premium is £50 more with Churchill than LV, but as you say, may have troubles if switching before totally resolved.

Just looked on Churchills website, can't see T's & C's, only Churchill Policy Document. Read through all that, and it doesn't mention CAT C's, New MOT's, nothing like that at all!

So how can they state I need a new MOT when it doesn't state that in their policy document? Are they making it up as they go along?

rs65

NurseMoneySaver1122 wrote: »

So how can they state I need a new MOT when it doesn't state that in their policy document?

It doesn't need to state it in the policy. They can decide whether to insure the car or not and have said they will if you get it MOT'd.

I don't understand your concern - yes, maybe a bit sooner than you wanted to pay for an MOT but you will then have 12 months.

NurseMoneySaver1122

Bit confused over which valuation applies. Had to do another Glass's valuation online (long story why). I still have the previous one I did; results:

1st Valuation on 31/07/2012 - Retail value = £1550, Private = £1034

2nd Valuation on 08/08/2012 - Retail value = £1120, Private = £700

I read that they can change, often at the end of the month, but which valuation applies - is it the value of my car today, or at the time of the accident?

My accident happened in June. If it is my cars value at the time of the accident, then if value has dropped that much from July - August, that may be the case for June-July, right?

rs65

It should be the value immediately before the accident, so June.

Values do change monthly but that's a huge drop from July to August. From June to July could have dropped, stayed the same or potentially increased.

NurseMoneySaver1122

Thanks. So I'm guessing if I didn't get a Glass's valuation done in June, then I would present July's valuation to my insurance as back up when disagreeingwith their valuation?

Or could they say that's innacurate as accident happened in June? Even though nothing was mentioned about writing my car off until July

1956

hi-NurseMoneySaver1122
correct info is as pe above , glasses guide at the time/ month of the accident, accually the value may be lower in july guide so you may be short changing yourself!
HOWEVER, just because glasses guide is £X amount dont automatically assume it is worth that, you have a market value policy ( i know! with LV) and while glasses guide is the recommended acepted guide by the ombudsman IT IS subject to either increase or decrease for higher and lower stated guide mileage,
also it IS dependent on condition also in the ombudmans guidelines , so if in poor condition( NOT to say yours is ! ) it will not be held up by the ombusdman as retail value.
p.s as of this month , glasses guide now has 6 different values published!

NurseMoneySaver1122

When you get the Financial Ombodsman Service involved, can they decide on a lower offer than what the insurance company's latest offer was?

I understand they look at it and decide if the insurers have been fair with their valuation, but if they think they have been TOO fair, can my insurance team or FOS advise to lower the valuation from their latest (highest) offer?