"parts not available" insurance low pay out ?

wildrat

They are saying that they will only pay for the cost of the repair ( that cannot be done )
So am left with a unsafe car that cannot use though no fault of my own
There position is that the car could be repaired and so is not a write off
But cannot as no parts are available ?
My valuation is from other same models/ condition for sale in UK
This is the third one I have owned and am member of owners club

maddogb

yet another argument why this subject needs tougher legislation, yet another insurer dodging fair payouts by hiding in confusing terms and conditions.

AdrianC

wildrat wrote: »

They are saying that they will only pay for the cost of the repair ( that cannot be done )

There position is that the car could be repaired and so is not a write off
But cannot as no parts are available ?

"Write-off" is purely a financial decision. Is it cheaper to close the claim by buying the car off you and throwing it away than by paying to fix it?

Parts may well be available - but they just aren't available through UK Nissan dealers.

You have a difficulty in setting a value, because the vehicle's not in any UK price guides - so there's much more of an element of negotiation around what's a fair value. The club will be familiar with the process of helping insurers decide a value, and will be able and willing to help a member.

wildrat

What I cannot get my head around is that as the third party and no fault
Why do I have to be in a worse case than before the accident ?
Always thought that the car had to be repaired OR paid market value / salvage .
I was stationary at the time of the crash with video proof / admission of fault from other driver .
I had not received the terms and conditions pamphlet and had to request several times to receive after the crash .
But as there is no UK list price for the parts how can they still use this clause ?
Have spoken to Financial ombudsman on Wednesday and need to wait until receive letter saying final position then complaint can move forward something there happy to look in to .

AdrianC

wildrat wrote: »

What I cannot get my head around is that as the third party and no fault
Why do I have to be in a worse case than before the accident ?

You don't.

Always thought that the car had to be repaired OR paid market value / salvage .

They can choose to pay out for the damage to be repaired by you. They won't normally, but this is not a normal scenario.

TBH, it's always the option I'd choose, if it's available. The only remaining question is the amount.

I was stationary at the time of the crash with video proof / admission of fault from other driver .

But you are claiming from your insurer, rather than going directly to his insurer and claiming from them. Your insurer will get his insurer to reimburse their expenditure in full, and it will go down as a non-fault claim on your record, but your claim is being dealt with by your insurer, under the Ts & Cs you agreed to when you bought the policy. You have no direct contractual relationship with his insurer, so there may be other options available.

stator

wildrat wrote: »

They are saying that they will only pay for the cost of the repair ( that cannot be done )
So am left with a unsafe car that cannot use though no fault of my own
There position is that the car could be repaired and so is not a write off
But cannot as no parts are available ?
My valuation is from other same models/ condition for sale in UK
This is the third one I have owned and am member of owners club

Claim on HIS insurance policy, not your own

NBLondon

Am I missing something....

wildrat wrote: »

Took to approved repairer to get looked at (not stripped) and was told next day that cost was near £3000 and parts not available so no point stripping and they would contact insurance engineer to discuss.
After a week I had call from engineer saying he had looked at repair and had re-engineered the quote to £1500 and that is all the company will offer!

So the approved repairer says £3000 because parts would need to be found/imported - but the insurance company engineer says £1500. So can you not say to the insurance company - "Great - where is the repair being done?" Are you trying to insist that it is done at your preferred repairer? On a 15 year old vehicle that's possibly over the top.


I didn't think an insurance company could unilaterally decide to just give the money for a repair - rather that you could negotiate that if you didn't like their choice of repairer.

sheramber

So they are not declaring it a write off but their choice is to repair the car. Tell them to go ahead. How they achieve that is their problem.

If they find it is not possible they then come back to you to say it is a write off.

AdrianC

NBLondon wrote: »

Am I missing something....


So the approved repairer says £3000 because parts would need to be found/imported - but the insurance company engineer says £1500. So can you not say to the insurance company - "Great - where is the repair being done?" Are you trying to insist that it is done at your preferred repairer? On a 15 year old vehicle that's possibly over the top.


I didn't think an insurance company could unilaterally decide to just give the money for a repair - rather that you could negotiate that if you didn't like their choice of repairer.

I think they're saying that - with estimated prices for new parts - it would be c.£3k. But they can't find prices for new parts.

So they're offering £1,500 to the OP to take on the repair, with used parts or however they prefer. As a member of the club, sourcing good used parts should not be hard at all. But the bodyshop won't go down that route. If the OP sources the parts, the bodyshop may well be interested in the spraying/fitting, though the quality of the parts would be the OP's responsibility, and the bodyshop would provide no warranty relating to them.

arcon5

Get a few quotes in writing... Then send a letter before action to the person that crashed in to you... Yes the person, not their insurer. They will then pass that on to their insurance company... But with the threat looming over them they may put pressure on the insurer to resolve it.

If they don't then it's the person you name on court papers anyway. It's him liable, just his insurer indemnifying him.