Help needed arguing Esure's valuation

verityboo

It would make sense that once they have decided a car will be written off to dispose of it as soon as possible, otherwise they would incure storage costs which would soon mount up. I don't see it as anything more than that

I would agree that they should make the process clear but £250 seems like a good gesture to cover their communication failings

bigjl

maddogb wrote: »

OK maybe i'm being paranoid (maybe I have reason to be) but they have offered £250 compensation for, as I understood it,
"failing to tell me what would happen after the vehicle was collected" ie the car would be sold ASAP


now despite going to great pains to explain as simply as I could that any offer had to make this clear and it was in no way related to the dispute over valuation, I get this in the offer email.


"As discussed in our recent telephone conversation I will be raising a cheque to you for £250 in terms of compensation to resolve the matter in regards to your vehicle."


Something else going on??

Maybe they sold the Ka to a car collector.

Mungo76

maddogb wrote: »

OK maybe i'm being paranoid (maybe I have reason to be) but they have offered £250 compensation for, as I understood it,
"failing to tell me what would happen after the vehicle was collected" ie the car would be sold ASAP


now despite going to great pains to explain as simply as I could that any offer had to make this clear and it was in no way related to the dispute over valuation, I get this in the offer email.


"As discussed in our recent telephone conversation I will be raising a cheque to you for £250 in terms of compensation to resolve the matter in regards to your vehicle."


Something else going on??

£250.00 is not unreasonable, you can push it for more, up to £500.00 would be reasonable in my view.

maddogb

bigjl wrote: »

Maybe they sold the Ka to a car collector.

you do realise that by trying to turn your mistake in that thread about a Ka into an "in" joke is seriously failing don't you?
Please stop posting unless you can contribute something that benefits anyone other than insurers.

maddogb

Mungo76 wrote: »

£250.00 is not unreasonable, you can push it for more, up to £500.00 would be reasonable in my view.

interesting to note thank you for your input.


Believe it or not this actually isn't about personal "gain" it's part principle and my actions at the end game will clearly show this.


What would be really helpful here is someone who has had their car written off under an Esure policy and still have the communications from Esure, even more helpful if they refused a first offer.

verityboo

Do your insurance policy terms and conditions say anything about this - disposing of the car if a right off?

AdrianC

verityboo wrote: »

Do your insurance policy terms and conditions say anything about this - disposing of the car if a right off?

Of course they do.

5. Total loss of your car
If we decide that your car is a total loss as a result of an accident, theft, fire, flood or malicious damage
we will reduce the claim payment by taking any part of the full premium you owe us. When we have
made the full claim payment on this basis, we will have met all our responsibilities to you under your
policy including the car hire benefit if purchased, and your car will become our property.

http://www.esure.com/wcm/groups/public/documents/webcontent/es_motor_policy_booklet.pdf

dacouch

Mungo76 wrote: »

£250.00 is not unreasonable, you can push it for more, up to £500.00 would be reasonable in my view.

The Insurers should not dispose of the vehicle until it belongs to them.

It's worth bearing in mind that if the OP decides to go to the Ombudsman, the Insurer can withdraw the offer and the FOS may possibly offer a lower amount or even a higher amount.

Their defence may well be that the car was incurring storage charges at £10 / £25 a day. That they had acted fairly in the valuing of the vehicle which the FOS agreed with and that the OP delaying the issue ran up storage additional storage charges

maddogb

verityboo wrote: »

Do your insurance policy terms and conditions say anything about this - disposing of the car if a right off?

it's irrelevant in this case what the terms and conditions say, as it is in many consumer cases, it's not rare for companies to write T& Cs that miss out essential parts of statutory law, unfortunately that's not a criminal offence as it should be.

AdrianC wrote: »

Of course they do.

http://www.esure.com/wcm/groups/public/documents/webcontent/es_motor_policy_booklet.pdf

It really doesn't matter what they write in there, the contract is what is forwarded to the consumer, the policy and schedule etc.
There is a legal obligation to provide the consumer with all relevant information upfront, not just make it available in some corner of their website.

AdrianC

So much more than an Egyptian river.

Do you have a court date yet?