Reasonable

[Deleted User]

Hi

My Ford Fiesta (good condition 2010, yearly service, etc) has been written off in an accident. The insurance company have offered me £2,800.

It seems if I buy a similar car it would cost me £3170 from a private seller and between 3700-4100 from a dealership.

I need to buy a similar car because I don't have much money. I would always buy from a dealership.

What can I say to the insurance company? Or do I have to take the loss?

Thank you in advance.

Aylesbury_Duck

You need to gather evidence that the car is worth what you say it is. Don't accept their first offer but do present evidence. Your preference for a dealership isn't valid in the process though.

AdrianC

A quick look on Autotrader, with no more detail than it being a 2010 Fiesta (and excluding Cat writeoffs), finds over 400 cars ranging from £1,600 to £6,500...

298 of them are <£4k, 203 <£3.5k, 135 <£3k.

So... any more detail?

Of course you can query the valuation, but without giving a lot more detail than "2010 Fiesta", you really are guessing on what a fair value is. Where did the £3170/£3700-4100 numbers come from?

[Deleted User]

Hi

It counted as good condition and mileage was 65K. What else should I look for do you think in judging its value?

[Deleted User]

I entered the details on autotrader as a 'buyer' of this car.

Car_54

Beremy wrote: »

Hi

It counted as good condition and mileage was 65K. What else should I look for do you think in judging its value?

Check online with Parkers. That's one of the guides the insurers are expected to use.

AdrianC

Beremy wrote: »

It counted as good condition and mileage was 65K. What else should I look for do you think in judging its value?

Engine, spec, number of doors...?

[Deleted User]

It's a 1.4, 5 door, titanium, Couple of modifications, darkened rear window, parking.

[Deleted User]

I'm second owner - careful owner (usually).

AdrianC

£2,800 certainly seems very low, then, whether petrol or diesel. The only similar cars <£4k are a couple of writeoffs.

https://www.autotrader.co.uk/car-search?sort=price-asc&radius=1500&make=FORD&model=FIESTA&year-from=2010&year-to=2010&maximum-mileage=70000&minimum-badge-engine-size=1.4&maximum-badge-engine-size=1.4&quantity-of-doors=5&keywords=titanium

born_again

Beremy wrote: »

It's a 1.4, 5 door, titanium, Couple of modifications, darkened rear window, parking.

Hope you declared the mod's.
Or you can forget them.