Can i claim delivery costs of car on insurance expenses

ginster_67

Hi,my car was wrote off in a none fault accident ,i have found a new used car but its 200 mile away and they are quoting £300 for delivery .
My question is can i claim the delivery as an expense on the insurance claim? Thank you 

angrycrow

If someone presented that as an item on a claim I would refuse to pay it as it is your choice to buy a car from 200 miles away. You could buy a car closer to home. 

It is also extremely risky buying a car from 200 miles away and will become a nightmare if the car develops a fault as you will need to take it back to the dealer for repair as a 400 mile round trip. 

Grumpy_chap

ginster_67 said:

Hi,my car was wrote off in a none fault accident ,i have found a new used car but its 200 mile away and they are quoting £300 for delivery .
My question is can i claim the delivery as an expense on the insurance claim? Thank you 

That question does not reflect how the settlement works in the case of a total loss.

The claim will be settled on the basis of compensating the loss which means a financial payment reflecting the value of the car immediately before the accident.

What car you then choose to buy and from where is then your free choice.  There is no change to the insurance settlement whether you buy a £500 car from next door or a £500k car from Australia.

Sandtree

Are you claiming off of your insurance or directly from the third party?

Your insurance would only be liable for the pre-accident value of the car and certainly not any costs involved in getting a replacement vehicle. You could attempt to claim it as an uninsured loss from the third party but you'd not be on particularly strong grounds plus would need to look at if its cheaper to collect it rather than have it delivered 

giraffe69

Quite apart from all that couldn't you go and pick it up for less than £300 including one way travel costs and fuel?

Nobbie1967

giraffe69 said:

Quite apart from all that couldn't you go and pick it up for less than £300 including one way travel costs and fuel?

Maybe they want the ability to reject the car? If they collect it, it is no longer a distance sale.

Jenni_D

Nobbie1967 said:

giraffe69 said:

Quite apart from all that couldn't you go and pick it up for less than £300 including one way travel costs and fuel?

Maybe they want the ability to reject the car? If they collect it, it is no longer a distance sale.

Only if they complete the financial part of the contract whilst there. If the "payment" is completed remotely (online) and they're merely completing the "delivery" part of the contract by collecting, then it's no different to Argos Click-n-Collect, which does still count as a distance transaction.  

Sandtree

Nobbie1967 said:

giraffe69 said:

Quite apart from all that couldn't you go and pick it up for less than £300 including one way travel costs and fuel?

Maybe they want the ability to reject the car? If they collect it, it is no longer a distance sale.

It depends when the contract becomes binding... if its locked in before seeing it person then its a distance sale under the CCR even if you collect in person... click and collect distance regs apply, click and reserve distance regs dont apply, see it in person then buy online then technically distance regs dont apply but the merchant may not be able to prove you interacted physically before the sale

ginster_67

Sandtree said:

Are you claiming off of your insurance or directly from the third party?

Your insurance would only be liable for the pre-accident value of the car and certainly not any costs involved in getting a replacement vehicle. You could attempt to claim it as an uninsured loss from the third party but you'd not be on particularly strong grounds plus would need to look at if its cheaper to collect it rather than have it delivered 

Claiming off a third party ,problem is the used car market is sky high at the moment ,prices at least20% up in last year and the car i am buying is hard to find so couldnt just buy one closer and was thinking if im out of pocket then it may be considered a worthy expense . 

caprikid1

"The claim will be settled on the basis of compensating the loss which means a financial payment reflecting the value of the car immediately before the accident."

Is it to compensate the loss of the vehicle ? or to put you back into the position you would have been had it not happened.

Personally I think it is to restore you to your pre accident position , that position was driving a 2015 Toyota Avensis, if the equivalent car needs to be delivered then that is included surerly ?

Grumpy_chap

caprikid1 said:

"The claim will be settled on the basis of compensating the loss which means a financial payment reflecting the value of the car immediately before the accident."

Is it to compensate the loss of the vehicle ? or to put you back into the position you would have been had it not happened.

Personally I think it is to restore you to your pre accident position , that position was driving a 2015 Toyota Avensis, if the equivalent car needs to be delivered then that is included surerly ?

That is all part of assessing the value of the car.  Once the payment is made, the payment is made - there is no further claim for delivery of the replacement vehicle if it was not in the agreed settlement value.  Ultimately, if an agreed settlement value cannot be reached, the injured party would be able to go through legal processes to recover loss.  That is rarely the outcome once liability has been accepted by the third party and there is only a certain amount of band that represents the fair value of the loss.

The insurer does not go out and actually buy the replacement vehicle but makes a financial settlement to allow the injured party to acquire the vehicle of their choice - adding to upgrade if they wish, or just keeping the money and using the bus.