Write off

Shaun_of_the_Dead

sithmaster wrote: »

Excess is £350 but should I pay this for a non fault? It is possible to be the remaining balance to the insurance company, will have to find out tomorrow.

Yes because you've claimed on your policy.

jimbo6977

I'd say that's just your assumption unless you've seen the accompanying letter.

Fair enough you don't know me from Adam and I could be full of the brown stuff, but in fact my posts are based on 4 years experience settling theft and total loss claims for a major motor insurer.

Banking the cheque is good for you (cash in your bank possibly earning interest) and good for the insurer (cheques wandering about in the ether are a theft/fraud risk).

The only way a problem would arise is if you banked the cheque, spent the money, and were unable to repay it should some sort of problem come to light (eg fraud, of which I'm in no way accusing you).

Car_54

Shaun_of_the_Dead wrote: »

Do you agree £3000 is a fair value?

If not, get some evidence of what cars of a similar age, condition and mileage are selling for. Let them know what it's worth.

How do you do that? All the adverts tell you is the asking prices, which can be wildly optimistic. The ombudsman specifically warns against that, and says the insurers should use the trade guides which are based on actual selling prices.

Aretnap

sithmaster wrote: »

Excess is £350 but should I pay this for a non fault? It is possible to be the remaining balance to the insurance company, will have to find out tomorrow.

Your excess is the part of any claim that is not covered by your policy - it is not punishment for causing an accident. Your fault, someone else's fault, nobody's fault in particular, it makes no difference - if you claim on your policy you have to pay your excess.

What you can do, if the accident was someone else's fault (and you can prove it) is claim your excess from the at fault drivers insurer (if they have one). If your own policy comes with legal cover your insurer can provide a solicitor to help with this, though if liability is clear cut it is usually fairly simple to do yourself.

Sometimes if liability is clear cut your own insurer will offer to waive your excess altogether and claim it back from the other side themselves. However if they do it's as a goodwill gesture - it's not something that they're obliged to do.

sithmaster

Update
I have phoned they said the deduction is for scrap value so we keep the car and scrap it. I then said its very unlikely I will get £500.
I have also said I want to disbute the valuation but they said I need to fine 3 adverts for the same model and year with roughly the same mileage.
I have said that is impossible as there is only 1 on auto trader.
They are not being very helpful.

couriervanman

Whats the model and year

sithmaster

couriervanman wrote: »

Whats the model and year

Renault grand scenic Tomtom 2010