Help needed arguing Esure's valuation

maddogb

dktreesea wrote: »

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.

Sorry i'm confused which part was the good experience, the bit where they tried to rip you off to the tune of £1150?


They did use Glass guide, to ignore it because it didn't agree with the other two, despite the fact the other two apparently use the same set of data.


The valuation system using guides may be good for people who don't intend to replace their car with exactly the same or very similar and just want to make a bit of extra cash
I find it hard to believe the majority of road users are like that, surely they just want to be back in the same position as quickly and as hassle free as possible.
Esure obviously don't agree with that going by your and my experience.

maddogb

got a few mins of free time to catch up!

dktreesea wrote: »

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.

There is a couple of problems with this system.
1. The on-line Glass free valuation comes with a legal disclaimer against use in insurance valuations, I obtained a comment via email from a Glass Customer service rep who stated quite clearly as the insurers are their customers they would not get in between parties on disagreements.


2. Another micro-term in insurance contracts such as Esures is that this data is not permissible as it doesn't allow for discounts available to some customers asking for such.
I have no idea why as it clearly states it's based on current data from actual sales and the discounts are more frequently available to those not looking at insurance replacements so I think this argument is invalid.


This is not to say it can't be utilised, so any one in this situation should immediately obtain a screen shot showing the 3 different valuations provided by this service but it appears your only opportunity to use them will be in court so keep em safe.

AdrianC wrote: »

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

I don't recall submitting a claim form, pretty sure it was all done over the phone
even so I don't recall agreeing to this term which is NOT stated in the Policy or Schedule I was provided with, nor do I recall being directed to any set of terms or conditions to be included in the contract.

maddogb

Sorry forgot to mention that on Friday I had received a rejection response to my offer of a final attempt at negotiation.
I have now put in notice outlining the extent of my claim and the legal arguments as I see them should I be forced to proceed on a legal basis, anyone needing details let me know.
Also still looking for someone who has been involved in a write-off scenario with Esure to confirm details over offers.

Nobbie1967

maddogb wrote: »

Sorry forgot to mention that on Friday I had received a rejection response to my offer of a final attempt at negotiation.
I have now put in notice outlining the extent of my claim and the legal arguments as I see them should I be forced to proceed on a legal basis, anyone needing details let me know.
Also still looking for someone who has been involved in a write-off scenario with Esure to confirm details over offers.

It will be interesting to see if they give you some money just to go away.

bigjl

maddogb wrote: »

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

(Text removed by MSE Forum Team)

Wouldn't touch a rusty old Ford Ka to be honest, the mk1's tend to be rusty old knockers most of the time. Especially as they get over 10years old, almost have no value by then.

Much better to buy a well built Korean car with modern safety kit, USB, Aux, Bluetooth music streaming, handsfree facility etc.

Lol.

Do you want to buy a Ka?

£3000 to you, it has "leathers"

And yes I had a Policy with ESure a couple of years ago, best Car Insurer ever. A colleague was also with them for a couple of years, they dealt with a claim he had brilliantly. An LGV hit his car when it was parked, only a cheap Rover 214, they allowed him to buy it back as part payout and he had it repaired.

He got a great pay out, very generous, unlike some ESure really looked after him as a loyal customer.

Was all dealt with quickly and they sorted out a hire car within a day or so.

Absolutely top nothing ESure.

bigjl

Nobbie1967 wrote: »

It will be interesting to see if they give you some money just to go away.

It is more likely they are putting his communication on the notice board so they can al have a good laugh.....

maddogb

Nobbie1967 wrote: »

It will be interesting to see if they give you some money just to go away.

well I think they tried that already but I ain't cheap.

maddogb

bigjl wrote: »

It is more likely they are putting his communication on the notice board so they can al have a good laugh.....

what is most hilarious here is they probably are...


But I think I compiled some convincing argument for a fair payout of £4600 (minus my excess of course)

caliew

Apologies for repetition in introduction, just for peace of mind I am not plucking up responses out of thin air I have some experience with 5 years in insurance, 3 years under a service management degree and 10 under home/motor/social issues. I will stop that on my posts, relatively new to all of this. I am just trying to assist (not offering advice), we are all consumers and we all have a choice on our next steps but I do know if I throw a question out there I would feel more comfortable with someone with background knowledge coming back.

AdrianC

caliew wrote: »

Apologies for repetition in introduction, just for peace of mind I am not plucking up responses out of thin air I have some experience with 5 years in insurance, 3 years under a service management degree and 10 under home/motor/social issues. I will stop that on my posts, relatively new to all of this. I am just trying to assist (not offering advice), we are all consumers and we all have a choice on our next steps but I do know if I throw a question out there I would feel more comfortable with someone with background knowledge coming back.

Stating you have "background knowledge", then giving answers which are demonstrably wrong, just makes it clear that a statement of "background knowledge" cannot be relied on.