Admiral - no fault low value

lisyloo

Davethomas07 said:

lisyloo said:

Davethomas07 said:

lisyloo said:

Is it driveable?
Can it be fixed?

often insurers would price it up at retail whereas sometimes you can fix it yourself with scrapyard parts (06 is 16 years old?)

It is old but I literally do 2k miles a year so the fact it’s a old steamer doesn’t really matter. Quote to repair was £8k :-( but that was via their recommended garage so local might be cheaper

The reference to age was that scrapyard parts might be acceptable whereas if it was 6 months old and pristine they would not be.

is the option of buying the “write-off” back from the insurers and fixing it up from second hand parts worth investigating?
it sounds like this one (high spec) may be worth more “on the road” than off.

what is the £8k for?
if it’s matching the paintwork to a pristine level then you could possibly get some imperfectly matching panels from a scrapyard for a lot less if you can tolerate an imperfect colour match.

the other option are

make a formal complaint

claim direct from the other insurer. Do you have any separate motor legal Insurance?

I am sure I have legal cover as part of my policy. So maybe worth considering. 

The rear corner is pretty bad so would definitely be new panels…..They have classified as a category N so even if I repaired the value in future is pretty much  worthless. 

Just feels disgusting that it will cost me money though no fault of my own! Just wrong! 

If you’re planning on keeping the car, not massively fussy over exact colour matching and are able to do it, I’d get it repaired yourself more cheaply and keep it and forget about the papervalue.

that’s the most pragmatic answer.

I agree it’s not fair.

Sandtree

lisyloo said:

Sandtree said:

lisyloo said:

Sandtree said:

lisyloo said:

Davethomas07 said:

lisyloo said:

Davethomas07 said:

lisyloo said:

Is it driveable?
Can it be fixed?

often insurers would price it up at retail whereas sometimes you can fix it yourself with scrapyard parts (06 is 16 years old?)

It is old but I literally do 2k miles a year so the fact it’s a old steamer doesn’t really matter. Quote to repair was £8k :-( but that was via their recommended garage so local might be cheaper

The reference to age was that scrapyard parts might be acceptable whereas if it was 6 months old and pristine they would not be.

is the option of buying the “write-off” back from the insurers and fixing it up from second hand parts worth investigating?
it sounds like this one (high spec) may be worth more “on the road” than off.

what is the £8k for?
if it’s matching the paintwork to a pristine level then you could possibly get some imperfectly matching panels from a scrapyard for a lot less if you can tolerate an imperfect colour match.

the other option are

make a formal complaint

claim direct from the other insurer. Do you have any separate motor legal Insurance?

I am sure I have legal cover as part of my policy. So maybe worth considering. 

The rear corner is pretty bad so would definitely be new panels…..They have classified as a category N so even if I repaired the value in future is pretty much  worthless. 

Just feels disgusting that it will cost me money though no fault of my own! Just wrong! 

Admiral add-on legal cover will only help you as part of a claim (I buy mine seperately with RAC for £15 for the entire household).

have you formally complained yet?

I agree it’s not fair. There is a complaints process and free ombudsman available to you. You should use it.

Only if they are claiming off of their own insurance... the OP has stated they are claiming from the third party (and their own) and if this is true you have no rights to access the Ombudsman as you are not a customer of the third party insurer.

I think the OP needs to clarify whom they are claiming from.

btw - I asked about “separate” legal cover which I agree they don’t have.

I buy both my motor and household sepeately now for precisely this reason.

You just need to be careful with separate MLP... whilst insurers cross selling it to Motor customers would make money even if they gave it away standalone providers dont normally have the volume to be able to say the same and certainly some of the policy I have seen basically dont give you any cover for small track cases. Haven't looked recently so there may be some better policies out there now.

Appreciate the advice but I think the RAC are reputable. It’s a proper insurance so there is ombudsman cover with it.

one of the reasons is 5 vehicles in the household.
but another is reading incidents on his forum.
one poster was expected to live in an uninhabitable home by his home insurer so I buy that separately now.
as this case also shows sometimes you need to take issue with your insurer and you can’t use their “add-on” against them.
I would expect them to provide he service as detailed in their contract. Of course I’m aware they won’t flog a dead horse (or anything less tha 51%) but this case on the face of it appears to be simply unfair and worth fighting if the evidence.stands up. Yes you can do small claims but always good to have a professional on hand to speak to.

Assuming its https://www.rac.co.uk/insurance/legal-expenses-insurance then this is only Motor Legal Protection + an advice line... it wouldn't cover making a claim against your home insurers in the scenario you mention.

It also only responds in the event of an RTA which it defines as two or more vehicles colliding on a public highway/car park so no right for it to respond if you hit something that fell off a lorry or an accident in the work's car park etc. Not the end of the world and is better than some of the other policies that basically dont offer small track cover but does have some more limits than normal MLP and certainly isn't a replacement for FLP

lisyloo

I agree this is motor only.
I have a seperate policy for home.

I wfh so not bothered about works car parks.
I think it’s better then 5x MLPs and better than the OPs situation where they cannot use it without a claim with admiral.

if you have a better suggestion for multiple vechicles and seperate from main insurer then please advise it.

can you offer an example of FLP for multiple vehicles.
I haven’t looked in detail yes, but I’ve seen this one
https://memonline.co.uk/

diystarter7

OP
Could you not challenge them to get you a similar car from a dealer?

lisyloo

diystarter7 said:

OP
Could you not challenge them to get you a similar car from a dealer?

I don’t think they have to do that although depending on what the contract says it may be worth challenging if it’s meant to be of replacement value.

[Deleted User]

You could try emailing their offer to a few dealers. Then you have replies to show them as evidence that it's too little.