Car valuation

DullGreyGuy

born_again said:

caprikid1 said:

"Churchill say we have no rights to challenge the valuation. What can I do - the valuation is over 1k difference! Anyone know why consumer rights don't apply and what we can do about it?"

Instruct a claims management company, get a hire car.... that will focus their mind, did anyone suffer any Whiplash ?

Try deciding what you want and offer a "Full and final settlement" at the moment they are only discussing the car, don't let that cloud your judgement, can you find an equal Categorised car for sale ? Or industry standard % for what it is worth.

You are not going to get the previous pre accident value in a million years but you may be able to get more with a bit of pressure.

Let your insurance company deal with the claim.

How much did you buy the car back for?

As in reality that is it's worth.

I would not go the get a hire car route etc. As it will not focus their minds. It will leave you with a big bill. 

The car was repaired after the first total loss so it's not just worth the salvage value of the first total loss. 

The OP however haven't said the timeline between the first and second valuations. You would expect it to have gone down as its now a previously written off car, its had more mileage, its older and secondhand prices have reduced.  £1k reduction may be totally reasonable or excessive.

Minilover said:

I'm confused - my car was hit by a drunk driver and written off by my insurance company with a valuation that we negotiated. It became a Cat N car we bought it back, repaired it, re-mot'd it and it was back on the road.  We were unlucky enough to be hit from the rear by a driver who admitted liability, our car again was written off by her insurers who have valued the car considerably less that our insurers did the first time ( our insurers were Direct Line her insurers were Churchill who we believe are the same company). Churchill won't negotiate on the price even though we have written proof of the first valuation. Churchill say we have no rights to challenge the valuation. What can I do - the valuation is over 1k difference! Anyone know why consumer rights don't apply and what we can do about it?

Churchill and Direct Line are both brands used by UK Insurance which is the insurer entity in the Direct Line Group. 

As you are dealing with her insurer you are not their customer and as such your route to settle disagreements is the court rather than the Financial Ombudsman. You could pay for an independent engineer to value the vehicle but that would be your cost to pay if the engineer turns round and says the current offer is reasonable for the vehicle.