Help needed arguing Esure's valuation

motorguy

maddogb wrote: »

As a sign of co-operation to any willing party I will ask, what have all definitions of "market value" got in common, this will point the way.

They're written into a procedural document which all (most?) insurance companies abide to and is ratified by the ombudsman?

maddogb

motorguy wrote: »

They're written into a procedural document which all (most?) insurance companies abide to and is ratified by the ombudsman?

See, 1st post proves me 100% right,
can't answer a simple question which has 5 possible one word answers.

loskie

you were stupid and at fault to drive into a flood. The insurance should not pay out for this at all.

maddogb

loskie wrote: »

you were stupid and at fault to drive into a flood. The insurance should not pay out for this at all.

and again 2nd post proves me right also, I never said I drove into a flood, I drove into a slight patch of rain water coming off a flooded field.
by your definition we cannot drive when it is raining otherwise our insurance won't pay if we get water damage?
lol and you call me stupid?
. I change my mind, you "cannot" understand the legal solution.

motorguy

maddogb wrote: »

See, 1st post proves me 100% right,
can't answer a simple question which has 5 possible one word answers.

It doesnt prove anything right. You asked what all definitions of market value have in common.

THATS one of the things they have in common.

=> The insurance company followed process
=> You complained and they followed the complaints process and reviewed your complaint.
=> You complained to the Ombudsman who then reviewed what the insurance company had done, and confirmed they had followed process
=> You complained to the insurance company again, and now with the weight of the ombudsman behind them they politely told you to !!!! off.

Now all you're doing in throwing your toys about on an internet forum and getting on like a petulant child.

Silver-Surfer_2

maddogb wrote: »

and again 2nd post proves me right also, I never said I drove into a flood, I drove into a slight patch of rain water coming off a flooded field.
by your definition we cannot drive when it is raining otherwise our insurance won't pay if we get water damage?
lol and you call me stupid?
. I change my mind, you "cannot" understand the legal solution.

Yes of course you're 100% right. Have Esure paid you what you want yet?

AdrianC

maddogb wrote: »

I never said I drove into a flood, I drove into a slight patch of rain water coming off a flooded field.

...and wrote the car off...

I've lost track - could you clarify if the damage to the car arose from losing control and crashing, or from the air intake sucking water in and hydraulically locking the engine? Surely it can't be that, because it would be the cheapest and best outcome for you to retain the vehicle and replace the engine.

by your definition we cannot drive when it is raining otherwise our insurance won't pay if we get water damage?

Ever heard the phrase "Drive at a speed that allows you to stop in the distance you can see to be clear"?

Now, maybe there was a tidal wave that suddenly shot over the wall from the field, engulfing everything in its path. But that would definitely have made the headlines, probably the TV news.

Or maybe you blithely drove into a clearly visible socking great big pool of water on the road, without considering whether it was deep enough for you to either lose control or the engine to suck up sufficient water to hydraulically lock. Either of those sound like a fairly good definition of a flooded road to me, so it can't be that.

So maybe there was another option. Perhaps you could enlighten us?

lol and you call me stupid?

I haven't done, but I'm beginning to think it apposite.

motorguy

You asked what all definitions of market value have in common NOT what the common definitions of market value were.

I told you what - relative to car insurance - they all have in common.

maddogb

AdrianC wrote: »

...and wrote the car off...

I've lost track - could you clarify if the damage to the car arose from losing control and crashing, or from the air intake sucking water in and hydraulically locking the engine? Surely it can't be that, because it would be the cheapest and best outcome for you to retain the vehicle and replace the engine.



Ever heard the phrase "Drive at a speed that allows you to stop in the distance you can see to be clear"?

Now, maybe there was a tidal wave that suddenly shot over the wall from the field, engulfing everything in its path. But that would definitely have made the headlines, probably the TV news.

Or maybe you blithely drove into a clearly visible socking great big pool of water on the road, without considering whether it was deep enough for you to either lose control or the engine to suck up sufficient water to hydraulically lock. Either of those sound like a fairly good definition of a flooded road to me, so it can't be that.

So maybe there was another option. Perhaps you could enlighten us?

I haven't done, but I'm beginning to think it apposite.

and again more posts confirming preconceptions overrule reading ability round here, although surfer is on my ignore list because he refuses to read anything I write properly nor does he answer questions of prove anything he says so I imagine he has responded with the same nonsense as usual.


I can confirm I have never joined any forum under the name "dark matter" or anything remotely similar but it makes no odds cos u guys won't read it....


no the car did not crash, it was "safe" to traverse the water, I had to wait for another car to pass safely in the deeper water on the other side of the road.
So again all your preconceptions are wrong, starting to get boring, but hopefully someone who knows what they are talking about will be along soon.

motorguy

maddogb wrote: »

I looked up 6 definitions of market value...

It doesnt matter what YOUR definition of market value is OR what whats on the internet relating to market value, its whats been defined as market value by the insurance companies in their policy document - the one you would have had access to but didnt bother reading - thats the important one.