Help needed arguing Esure's valuation

motorguy

maddogb wrote: »

this^^ is what I was trying to avoid.. totally missing the point, I do know how to do due diligence and have been doing so for two months now.

Hey, trying to throw ideas out there for you - and offered a range of cars that might suit. I didnt go for specific cars on autotrader, just cars that could be in your price range that you might not have thought of.

Glad i went to all that trouble.

Frankly with your attitude i can see why you've rubbed everyone else up the wrong way.

And you're doing something SERIOUSLY wrong if you've £3K+ in your back pocket and cant find ANY suitable car in 2 months. The last four i've bought i've found the right example in a DAY.

Maybe its not everyone else who has the problem, its YOU?

Leaving you to it - tried to help you try to look at it from a different angle but clearly you dont want help - you just want to feel like a victim.

Not even sure why you're posting - people trying to help and you're throwing it back in our faces.

dacouch

When did your Insurers make their first offer and what was their offer?

Marvel1

maddogb wrote: »

well that's part of the problem, I personally do not expect to be forced to travel too far, I have so far travelled a total of approx 1000 miles to view cars that either were very misrepresented or failed hpi checks etc, enough is enough, I have used all my friends goodwill on lifts etc.
My car is not rare in any way shape or form

I travelled 150 miles for my vehicle, even before I made a phone call, I was on gov.uk website checking it's MOT history and the valuation sites.

Happy with above, I then made contact asking about service history etc.

Again I was happy, I then did the HPI search before I left home.

maddogb

cjdavies wrote: »

I travelled 150 miles for my vehicle, even before I made a phone call, I was on gov.uk website checking it's MOT history and the valuation sites.

Happy with above, I then made contact asking about service history etc.

Again I was happy, I then did the HPI search before I left home.

didn't you worry about the guy at the other end nipping out to a local log book loans place with a second copy of his docs while your on the road?

maddogb

dacouch wrote: »

When did your Insurers make their first offer and what was their offer?

its in the OP. £2850 made to my answering machine whilst I was outside with the guy collecting the car, upped to £3000 after a word with the management, stated as final price.

motorguy

maddogb wrote: »

didn't you worry about the guy at the other end nipping out to a local log book loans place with a second copy of his docs while your on the road?

For someone who clearly isnt doing their due dilligence first, i find it quite surprising you're trying to ridicule someone who does.

And a logbook loans loan wont necessarily show up on HPI, and certainly not instantly. Any typically, they want to see the car in question first.

dacouch

maddogb wrote: »

its in the OP. £2850 made to my answering machine whilst I was outside with the guy collecting the car, upped to £3000 after a word with the management, stated as final price.

Their duty is to pay you the value of the car the moment before the accident eg the value on Boxing Day.

So they made an offer within about 10 days of the accident which you've been arguing over for the last two months and the prices have increased which they naturally would as car prices will be depressed over Christmas.

If the Insurer had caused the delays, then they would often increase their offer to compensate for this. If they've followed the guidelines laid down to ensure a standard & fair way of valuing cars across the industry then they're unlikely to increase their offer especially as the Ombudsman has agreed they've followed the correct procdure

Marvel1

With the HPI checks are you buying them as for example 5 for £25 rather than 1for £8?

Logbook loans, never thought of it, but all ok.

maddogb

motorguy wrote: »

For someone who clearly isnt doing their due dilligence first, i find it quite surprising you're trying to ridicule someone who does.

And a logbook loans loan wont necessarily show up on HPI, and certainly not instantly. Any typically, they want to see the car in question first.

sorry m8 but that doesn't make any sense at all so i'll answer you're other post.

motorguy wrote: »

Hey, trying to throw ideas out there for you - and offered a range of cars that might suit. I didnt go for specific cars on autotrader, just cars that could be in your price range that you might not have thought of.
Glad i went to all that trouble.

well that presents two questions.
1 What trouble was it exactly
2 Why? when i had already asked you not to do that in earlier posts

motorguy wrote: »

Frankly with your attitude i can see why you've rubbed everyone else up the wrong way.

My attitude is irrelevent, if people know the answers i am looking for they will speak out, the problem is stopping those who don't know the answers speaking out

motorguy wrote: »

And you're doing something SERIOUSLY wrong if you've £3K+ in your back pocket and cant find ANY suitable car in 2 months. The last four i've bought i've found the right example in a DAY.

Never said i couldn't find a car, just that within the area i consider reasonable, the comparable cars are all £1000 more than Esure will pay.
How about i come round, replace your car with one two years older and/or more mileage, then charge you money for the privilege?

motorguy wrote: »

Maybe its not everyone else who has the problem, its YOU?

err? yeah that is why i have requested help on this, it's all quite clear in the Original Post, if you move your sensitive soul out of the way for a second.

motorguy wrote: »

Not even sure why you're posting - people trying to help and you're throwing it back in our faces.

It's in the OP, I need help ARGUING AGAINST the valuation, not help agreeing to it.


don't get me wrong discussion has helped me clarify my thoughts on the whole mess, to summarise so far
There is a loss occurring here, it can be my loss or it can be Esures loss, who is paid to take that loss?

maddogb

dacouch wrote: »

Their duty is to pay you the value of the car the moment before the accident eg the value on Boxing Day.

So they made an offer within about 10 days of the accident which you've been arguing over for the last two months and the prices have increased which they naturally would as car prices will be depressed over Christmas.

If the Insurer had caused the delays, then they would often increase their offer to compensate for this. If they've followed the guidelines laid down to ensure a standard & fair way of valuing cars across the industry then they're unlikely to increase their offer especially as the Ombudsman has agreed they've followed the correct procdure

I think you are making too many assumptions there, not that they are definitely wrong but..


Their duty is to pay me market value for the car, specific dates are not mentioned and I for one would not agree to such restrictions, if I had seen such excessive restrictions in my policy I would of cancelled it within the time frame allowed.
here comes the crux,
The ombudsman has stated Esure have followed their recommended procedure, I have never said they did not.
I do however argue that the very procedure is flawed and does not itself represent true "Market Value" if it did they would not have Glasses GUIDE or Parkers GUIDE,
see what I did there?
What the insurers are doing is using these as price LISTs and that is where I need help, ie transcription to another legal process.