Writing to Car insurance company (to reject 1st offer & requesting a higher offer)..How to word?

katesheet

If a car insurance company have offered you a low offer settlement for a collision, and it is known their first offer is low and you can request a higher one, by showing them evidence that the car with same millage, age, etc is worth more  (eg autotrader adverts/ parker etc)

If you show them photos of these images as 'proof' that the car has higher value, and you send these in with a letter/email.. 

then what should the wording of the letter/ email be?  even if in vague sentences, can you give some examples/ pointers please 

Have you written this type of letter to your car insurers in the past, and what did you write?

Do you have any example template letters you can show?  or a quick draft you can show me?


Thanks xx

AdrianC

Ads alone are not sufficient. There is an expectation of haggling prices down from ads. If the car is something fairly common and recent, and you were accurate when you described it to them when you took the policy out, then the chances are that their estimate is not that far off - because they're using the trade standard price guides.

There are no magic-worded template letters. Just be factual, accurate, clear, and waffle-free. Say how low you think it is, and give examples that you feel support it. Don't be selective, picking just the high-priced ones. Remember, cars are portable, so don't say "Maybe elsewhere, but round here...".

What car, and what's their first offer?

katesheet

AdrianC said:

Ads alone are not sufficient. 

Thank you xx
What else needs to be included along side ads?

AdrianC

https://www.financial-ombudsman.org.uk/businesses/complaints-deal/insurance/motor-insurance/vehicle-valuations-write-offs