Insurers want to write off our car - what can we do?

EdGasket

Mungo76 wrote: »

Regarding this car though, I understand the position, if drug use has gone on, this would get treated similarly to vehicles involved in fatalities/heavy injury - you just CAT d them - the seats are soiled, potentially with drug paraphernalia, potentially with bodily fluids - the garage would be right to bump up the cost of a valet/increased risk/extra PPE/disposal costs/ HEP A & B injections for staff, potential injuries during repairs and when the car goes back, and on and on.........

You making that up? There's probably druggies using buses and trains every day; do those seats get deep cleansed? no and people are hot-seating all day long. You won't catch anything anyway from dried out fluids even if there were any.

EdGasket

Some good info here but can't vouch for the accuracy:

http://www.motorclaimguru.co.uk/advice-on-retention-of-salvage.html

dacouch

EdGasket wrote: »

Some good info here but can't vouch for the accuracy:

http://www.motorclaimguru.co.uk/advice-on-retention-of-salvage.html

See if you can spot the mistake in his advice on what TPF&T covers here

"Third Party Fire And Theft

This does not cover you for any damage to your vehicle other than by way of Fire, Theft, or Vandalism.But it does cover you for any damage to peoples property or injury you may have caused."

This is my favourite...

"EXCESS

Excess is the first part of the claim you have agreed to pay. THIS SHOULD ONLY BE APPLIED TO CLAIMS ON YOUR OWN VEHICLE,NOT TO CLAIMS AGAINST YOU. These come under the following titles.

Statutory or Compulsory Excess.

This is the lowest excess on your policy you can pay, and forms the basis of how the insurer underwrites the policy, the higher this excess, the higher the risk they attach to it."

I assume a "Statutory Excess" is an excess that is written into the Road Traffic Act. The only problem with that is there is no such thing as a Statutory Excess and ironically it would be illegal under the RTA for an excess to be built into a policy for claims by third parties.

http://www.motorclaimguru.co.uk/guide-to-motor-insurance.html