Car insurance write off valuation [Merged]

400ixl

Glad to hear you got an acceptable offer. Hopefully in the £4k region which would appear to be in the right ballpark.

sheramber

Advice is never to accept the first offer.  

We rejected the forst offer and were offered what we were happy with.

And yes, our existing policy was continued to cover the  replacement car we bought.

diystarter7

confuzzledbuyer said:

diystarter7 said:

Thanks.
I've already provided them with as many examples of similar vehicles as I can find, both trade and private. Its an older car so there's not much around though really. 

It's a 2009 Ford SMax, 2L diesel, 80k miles, we're the 2nd owner. It is (or was) immaculate inside and out with full service history. 

Initial offer was £3500, and there has been no movement on this. With Aviva. I wasn't aware that the policy is also written off, but there's only 6 weeks left on it anyway so not really a consideration.

Hi
Thnaks
What model is it and is it automatic or manual - i'm guessing manaul.

Aviva is one of the better companies imo

Ask aviava what will happen to your car insurance and if you can transfer it etc and see what they say and if there are any admin fees etc.

Having looked at a few sites, you can get them from arounnd 3200 and by what you said and not knowing the model type and if auto - for a none auto and not the highest spec, I'd settle for 3800, auto and higest spec, 4200.

I'm certain they will sort you out but ask what will happen to your remaining insurance and the best way forward to get the most out of it.

Good luck

diystarter7

confuzzledbuyer said:

Thanks all for the opinions. I did of course realise that asking price is not necessarily the same as sold, but the difference between the offer and advertised prices was quite large. 
This afternoon they have come back to me with a higher offer, which I am happy enough with. So make of that what you will.

sorry, i posted away before reading this post.

As I said, Aviva is a good co - we had our cars, properties insured with them for manny years, never needed to claim thankfully, but if i had a question etc they were helpful - every year on renwals i called them up re cars and propert got a discount but when covid kicked off, they were much more expesnive when compared with others especially after cash back from cash back sites

Well done and I'm please its all over

sikora

I was in a similar situation a few years ago.
I would take this straight to the ombudsman. I'd declined all offers from the insurer and they weren't interested in my own valuation evidence from current for sale ads, stating that they use Parkers Glass' guides for valuation.
Ombudsman was fantastic and ruled in my favour. Pay out went from £1800 to £5250

jimbo6977

sheramber said:

Advice is never to accept the first offer.  

We rejected the forst offer and were offered what we were happy with.

And yes, our existing policy was continued to cover the  replacement car we bought.

I can't agree with never accepting the first offer. The trouble is too many insurers seem inclined to muck people about, but if the valuation is right then take it and get on with life. 

diystarter7

jimbo6977 said:

sheramber said:

Advice is never to accept the first offer.  

We rejected the forst offer and were offered what we were happy with.

And yes, our existing policy was continued to cover the  replacement car we bought.

I can't agree with never accepting the first offer. The trouble is too many insurers seem inclined to muck people about, but if the valuation is right then take it and get on with life. 

Hi

I agree with your comments,  However, most of the time, the poster you quoted is right

Having said that, it also depdns on how busy you are, stress levels, want to draw a line under it etc etc.

In fiarness to both of you, you both make valid points and the word 'never' is often used in the context of meaning 99% but not 100% I guess

Thnaks