Help needed arguing Esure's valuation

maddogb

AdrianC wrote: »

Riiiight... So they've paid out in full, and you're happy with the amount?.

nope, again its the subtle difference between valuation of
a. a car
b. a claim
they are two different things and so far everyone has failed to demonstrate any different with regard to the law.

AdrianC wrote: »

Well, yes, you were. The Ts & Cs for your policy have been posted and linked to several times.

It's not rare for companies to write terms and conditions which can't be enforced by law, in fact it's very common, I just did not expect it from a company the size of Esure

bigjl wrote: »

You are the kind of customer that would make people consider a new career path.

If they are as incompetent as some I have come across it's even more sad it takes someone like me to convince them of that as a correct choice.

AdrianC

maddogb wrote: »

nope, again its the subtle difference between valuation of
a. a car
b. a claim
they are two different things

Umm, when the car's being written off and there's no other payout due (injury, other property), then - no, they're exactly the same thing.

It's not rare for companies to write terms and conditions which can't be enforced by law

Indeed. But it's not the case here.

Although I look forward to hearing the result of your court case against the insurer and the ombudsman.

maddogb

I feel my insurance company(Esure) have ripped me off by removing %25 off the value of my claim, thought I had made that clear

maddogb

AdrianC wrote: »

Umm, when the car's being written off and there's no other payout due (injury, other property), then - no, they're exactly the same thing.

Indeed. But it's not the case here.
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well it is the case here, I cannot find anything that constitutes what the law is concerning the write-fulfilment but as I have not accepted anything it is merely a claim at this stage.


they had no right to write-off my car at that stage, I had made it clear to them I wanted a second opinion on the car to see if it really was damaged to the required percentage of right off, they denied this opportunity to me by selling the car.

dktreesea

maddogb wrote: »

I have deliberately left out details as I don't want trolls trawling thru auto trader to point out cars hundreds of miles away " described " as comparable to my car at the valuation esure have offered.

What I mean by "but" is, according to esure, I should be able to source a comparable replacement in the retail market "but" I cannot with 6 weeks of trying.

Sorry if this has been mentioned but I haven't read the whole thread. Have you checked out the value of your car on Glass Auto valuations? This is the industry standard pretty much. We've had a coupel of cars that were write offs, had the insurance companies trying to get away with paying out less than Glass says the car is worth, and they both stumped uup the glass valuation when I challenged them.


It's simple to use, - you enter your car's rego, your email address, state that you are the owner and it will take you to a screen where you can register for free and retrieve your valuation.

AdrianC

maddogb wrote: »

they had no right to write-off my car at that stage,

Yes, they did. As soon as you submitted the claim form, you gave them the right to decide.

bigjl

I think ESure are the best Insurer in the World.

I would definitely advise anybody that needs Insurance to put ESure on their list of possible companies to use.

They always act fairly and within the regulatory framework and abide by Ombudsman decisions even with faced with a Customer that is a career pedant.

dktreesea

bigjl wrote: »

I think ESure are the best Insurer in the World.

I would definitely advise anybody that needs Insurance to put ESure on their list of possible companies to use.

They always act fairly and within the regulatory framework and abide by Ombudsman decisions even with faced with a Customer that is a career pedant.

I have had good experiences with them too. But one of the cars we have claimed on, with them over the years, cost us £1,600 at auction. Someone ran into the back of it so the claims adjuster wrote it off. The Glass valuation was £2,850. Esure offered us £1,699 because of what we paid for it. That's irrelevant. It's the market value they should be accepting. We contacted glass and they said they are the industry standard for valuing cars and if we had any problem call them back. I went back to Esure, sending them the insurance valuation as per Glass and what do you know, three days later their cheque arrived.


Insurance is for market, i.e. replacement, value, not what some claims adjuster thinks he can get away with.

bod1467

Would that be the market value at the time of the claim?

maddogb

bigjl wrote: »

I think ESure are the best Insurer in the World.

You are insured with them?
Ah mate that is terrible, I cannot believe the level of dishonesty there, I thought I was being ripped off.
Surely they told you, you don't need car insurance for a secondhand motorised skateboard

bigjl wrote: »

my Picanto just had its second service, first owner saved a few pence by using a non Kia Garage, the Kia dealer put it in writing on the device receipt that the car had a non standard oil filter.
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