Insurance claim void

Steph260789

Long story short my partners car was set on fire, insurance company voided the claim it was with the ombudsman as he wanted it reinstated and car also returned. During that process insurance company scrapped the car, new claim was opened with that, investigation was done and they agreed insurance company shouldn't have scrapped car. He have provided proof scrap yard are selling it for parts and how much parts can go for. My partner has licences to do this but ombudsman and insurance are dragging there feet and only offered £1000 for scrap value and compensation yet the scrap yard are going to make £3000+. He has not received a penny for the car and asked 6 times in writing for the cars return. 
Please help

DullGreyGuy

They declined the claim or void the policy? Voiding a claim isnt a normal term.

If it's already with the ombudsman then you need to await their process. 

Steph260789

I am looking for help on what I can say to the ombudsman to get them to recognise that the scrap company are making money on a car they have no rights too. 

DullGreyGuy

Scrap companies in principle always makes money from the scrap they buy otherwise they'd go out of business.

Your argument should be with your insurer not the scrap company.

Ayr_Rage

Very confusing post.

Has your partner actually accepted an insurance payout ?

If he has then he has no further interest in what happens to the scrapped vehicle, whoever has it can sell the parts for whatever they wish.

DullGreyGuy

Ayr_Rage said:

Very confusing post.

Has your partner actually accepted an insurance payout ?

If he has then he has no further interest in what happens to the scrapped vehicle, whoever has it can sell the parts for whatever they wish.

Policy has been void and the claim declined for reasons the OP hasn't said following an investigation for a fire claim.

During this process the car was scrapped by the insurer for which they received £1,000.

Having had the claim declined the OP feels they should have had the car returned but that's not possible now. The insurer has offered the £1k they received but the OP believes they should get more because the "true" value of the scrap is notably more.

As is often the case the focus is on the wrong thing... the £2k difference in scrap value the OP claims there is probably wont cover 2 years of the increased premiums they'll have to pay across all their insurers when they declare they have had an insurance policy void.

Steph260789

Sorry I haven't been clear the argument is with the insurance company they sold a car to scrap they had no claim over and the car was to be returned, but they sent it for scrap in Dec 2021 and never told the ombudsman until march 2022 that they had. A new claim was opened for that and as my partner can dismantle cars and sell the parts he wanted it returned since the original claim was void. The investigator has says the insurance company was wrong but only offered £1000 and never acknowledged the money that the parts would sell for. And that's why I am looking for help on how to get them to take that in to consideration 

mgfvvc

Steph260789 said:

Sorry I haven't been clear the argument is with the insurance company they sold a car to scrap they had no claim over and the car was to be returned, but they sent it for scrap in Dec 2021 and never told the ombudsman until march 2022 that they had. A new claim was opened for that and as my partner can dismantle cars and sell the parts he wanted it returned since the original claim was void. The investigator has says the insurance company was wrong but only offered £1000 and never acknowledged the money that the parts would sell for. And that's why I am looking for help on how to get them to take that in to consideration 

I'm afraid you're on a hiding to nothing with that argument. They are supposed to offer enough to put you back in the position you were in and that will be based on the value of the car as it was, not the value if broken for parts. That will allow you to purchase another scrap car to dismantle, if you are so inclined.

Aretnap

mgfvvc said:

Steph260789 said:

Sorry I haven't been clear the argument is with the insurance company they sold a car to scrap they had no claim over and the car was to be returned, but they sent it for scrap in Dec 2021 and never told the ombudsman until march 2022 that they had. A new claim was opened for that and as my partner can dismantle cars and sell the parts he wanted it returned since the original claim was void. The investigator has says the insurance company was wrong but only offered £1000 and never acknowledged the money that the parts would sell for. And that's why I am looking for help on how to get them to take that in to consideration 

I'm afraid you're on a hiding to nothing with that argument. They are supposed to offer enough to put you back in the position you were in and that will be based on the value of the car as it was, not the value if broken for parts. That will allow you to purchase another scrap car to dismantle, if you are so inclined.

Agree with this I'm afraid.

If the insurer has scrapped the car when they should have let you keep it, the remedy is to pay you the value of the car *as a whole*, ie the price of buying another car in a similar condition (presumably £1000).

Your complaint seems to be that your partner could have made more money than that had he broken up the car for parts himself and sold them individually. But that would presumably have meant a significant amount of work on his part. If the insurer had just paid you the total value of the individual parts then you would be better off than if they had not scrapped the car - you would still have the £3000 but your partner would have saved himself all the work of breaking it up and selling the parts individually.

The argument is different if your claim is that the burnt out car itself would have sold for more than £1000 - but there's no mileage in an argument which relies on the theoretical value of a collection of broken parts as opposed to the car that you actually had at the time the insurer scrapped it.