Car insurance nightmare

tberry4118

DB1904 said:

tberry4118 said:

DB1904 said:

tberry4118 said:

Goudy said:

It was settled quite quickly after the standoff over where is was left.
They asked, I told them I had nothing and it went quiet. They asked again, I told them and it went quiet.

Eventually I just asked what is it I could do to prove it was where I left it, they asked for any doorbell camera footage which I told them I didn't have, even if I did, my door isn't on the street anyway (they actually checked on Google maps while I was on the phone to them, my car was even in the image in the same place!).
I kept repeating if I'd have any I would have given it to them straight away anyway.

They then started asking about on street CCTV. I just said if they was any, the council or police certianly wouldn't hand it over to me and they best ask them themselves. 
After those few roundabouts they seemed quite happy.

All in all it was about 6 weeks start to finish.
I don't think I had any contact with their fraud team, just the loss adjuster who in the end turned out quite helpful and helped me claim for some other things left inside the car.

You need to remember the insurance arranged collection by a breakdown agent or garage, they themselves will probably never see the vehicle as it's stored in a garage pound somewhere.
If they need to inspect it, they won't do that themselves but send an independent engineer.

The insurance company are only working with the things sent to them, what you, the police, the engineer etc report to them.
If there is anything that rings their bell, they will probably need others to investegate for them, which takes time, particularly now.
They could be waiting weeks if not months for info from say the DVLA.

They sent their own  engineer 3 weeks after the car was found and he has said the car is green, but the police emails show it as white and ive spoken to the police and they confirmed the paint that was left was white. Ive sent them everything. Theres nothing more I can possibly do. I guess its just a case of waiting now. My claims adjuster told me he had the police report weeks ago but the man from the fraud team said they haven't spoken to the police at all. I just don't know anymore 

So if their engineer has seen it, what have they said about the engine and chassis numbers?

The engine had been removed, as well as other parts but the police confirmed it had my chassis number on it and thats how they identified the car back to me 

So what's the issue with colour then, is there more to this story?

In one email they said they don't think the car had been restored but I emailed back saying I have never said it was restored. A respray and a restoration are two very different things. I have invoices for the colour change. I dont think they think the car was in the condition I said it was. But their own engineer done the valuation when I purchased the insurance. Its a 34 year old car 

Herzlos

tberry4118 said:

Its a 34 year old car 

This seems like a lot of hassle over a 1987 Range Rover.

So what actually happened? It was stolen from your home and appeared in a field later, burnt out with no engine in it?

The_Fat_Controller

What was the agreed valuation when you last insured the vehicle ?

tberry4118

Herzlos said:

tberry4118 said:

Its a 34 year old car 

This seems like a lot of hassle over a 1987 Range Rover.

So what actually happened? It was stolen from your home and appeared in a field later, burnt out with no engine in it?

No it was stolen from a car park whilst I was at a farm with my children. It was found about 2 weeks later completely stripped, behind a locked gate 

tberry4118

The_Fat_Controller said:

What was the agreed valuation when you last insured the vehicle ?

The insurance company valued it at £15,000

AdrianC

So a RRC. Appreciating classic, and - in good nick - worth real money these days. But sheds are still dirt cheap...

No wonder they're looking closely at it.

Was it on a classic policy, or a vanilla one?

tberry4118

AdrianC said:

So a RRC. Appreciating classic, and - in good nick - worth real money these days. But sheds are still dirt cheap...

No wonder they're looking closely at it.

Was it on a classic policy, or a vanilla one?

Yes it was a golden oldie, not many of them about anymore.  What do you mean sheds are dirt cheap? 
It was on a classic policy

Herzlos

tberry4118 said:

AdrianC said:

So a RRC. Appreciating classic, and - in good nick - worth real money these days. But sheds are still dirt cheap...

No wonder they're looking closely at it.

Was it on a classic policy, or a vanilla one?

Yes it was a golden oldie, not many of them about anymore.  What do you mean sheds are dirt cheap? 
It was on a classic policy

What he means is you can buy a knackered one for a few hundred quid, leave it behind a gate and then claim £15,000 on the insurance.

Behind the locked gate bit is suspicious, but presumably the police will be looking into that part as it's not relevant to the insurance company.

I think you're going to keep jumping through the hoops and trying to find as much evidence of the previous state of it as possible - photos of it on your driveway, etc, should they ask further questions.

tberry4118

I can understand if I had no photos of it, that would look very suspicious but I sent them loads of photos from all angles of the car, the engine the inside, underneath when they valued it. I also sent them last week the cctv of it on my drive. The police also have it on cctv being stolen. 

DB1904

tberry4118 said:

DB1904 said:

tberry4118 said:

DB1904 said:

tberry4118 said:

Goudy said:

It was settled quite quickly after the standoff over where is was left.
They asked, I told them I had nothing and it went quiet. They asked again, I told them and it went quiet.

Eventually I just asked what is it I could do to prove it was where I left it, they asked for any doorbell camera footage which I told them I didn't have, even if I did, my door isn't on the street anyway (they actually checked on Google maps while I was on the phone to them, my car was even in the image in the same place!).
I kept repeating if I'd have any I would have given it to them straight away anyway.

They then started asking about on street CCTV. I just said if they was any, the council or police certianly wouldn't hand it over to me and they best ask them themselves. 
After those few roundabouts they seemed quite happy.

All in all it was about 6 weeks start to finish.
I don't think I had any contact with their fraud team, just the loss adjuster who in the end turned out quite helpful and helped me claim for some other things left inside the car.

You need to remember the insurance arranged collection by a breakdown agent or garage, they themselves will probably never see the vehicle as it's stored in a garage pound somewhere.
If they need to inspect it, they won't do that themselves but send an independent engineer.

The insurance company are only working with the things sent to them, what you, the police, the engineer etc report to them.
If there is anything that rings their bell, they will probably need others to investegate for them, which takes time, particularly now.
They could be waiting weeks if not months for info from say the DVLA.

They sent their own  engineer 3 weeks after the car was found and he has said the car is green, but the police emails show it as white and ive spoken to the police and they confirmed the paint that was left was white. Ive sent them everything. Theres nothing more I can possibly do. I guess its just a case of waiting now. My claims adjuster told me he had the police report weeks ago but the man from the fraud team said they haven't spoken to the police at all. I just don't know anymore 

So if their engineer has seen it, what have they said about the engine and chassis numbers?

The engine had been removed, as well as other parts but the police confirmed it had my chassis number on it and thats how they identified the car back to me 

So what's the issue with colour then, is there more to this story?

The car that I bought was previously green,  i had it resprayed white. i also sent off the colour change to DVLA. It got stolen, the police found it and called me, the insurance company are saying the car that was recovered is green. But the police photographs show alot of white paint still remaining and a bit of green in the footwell. The car was left in a sewage field behind a locked gate for 15 days in the rain before the insurance company took it. In the official police photos its white and not much rust however the photos that the insurance company took, most of the paint has come off and the car is covered in thick orange rust. The car definitely was white in the police photos 

Which police force are we talking about?