Lexus Car Stolen

ijjub

born_again said:

ijjub said:

The car was bought from Vantage. The "secret" tracker is the wording used by the Vantage team.

Yes, it was the tracker which found the car, but no one is claiming who activated it.

I was not aware of this when i bought the car and we have trolled through all the paperwork

But the insurance won't pay for £1500 for tracker activation!!!!

So new or 2nd hand?

Given the tracker must be activated for them to have found the car, why are you expecting the Ins co to pay for activation?

i did not explain properly.

the insurer got the car and have written it off. they are getting the proceeds of the salvage.

hence, the insurer now has the car, written it off, made money from the salvage and i am left with a bill of £1500.

if the car was not found, i would get the value of the car.

now i am £1500 out of pocket

cw8825

from what you are saying the £1500 is not part of the claim
You would have paid that to have it activated anyway

Herzlos

ijjub said:

the insurer got the car and have written it off. they are getting the proceeds of the salvage.

hence, the insurer now has the car, written it off, made money from the salvage and i am left with a bill of £1500.

Did the insurer write it off before it was recovered?

Did you get a payout when it was written off? What are they saying the £1500 was for?

born_again

ijjub said:

born_again said:

ijjub said:

The car was bought from Vantage. The "secret" tracker is the wording used by the Vantage team.

Yes, it was the tracker which found the car, but no one is claiming who activated it.

I was not aware of this when i bought the car and we have trolled through all the paperwork

But the insurance won't pay for £1500 for tracker activation!!!!

So new or 2nd hand?

Given the tracker must be activated for them to have found the car, why are you expecting the Ins co to pay for activation?

i did not explain properly.

the insurer got the car and have written it off. they are getting the proceeds of the salvage.

hence, the insurer now has the car, written it off, made money from the salvage and i am left with a bill of £1500.

if the car was not found, i would get the value of the car.

now i am £1500 out of pocket

Or answered the question that might help explain the unknown tracker 🤷‍♀️

So is this £1500 for the cost of the tracker that you had no idea of being fitted, as no one has paid the activation fee, but the insurance co have paid the activation to find & reclaim the car?

Of course the ins co get the proceeds of the salvage, as they are paying you out for the theft of the car.

End of the day Ins co payout is what it is. Not often you get what you feel is the value of the car. You can always complain to ins co & go to FOS if not happy with the result.

ijjub

Herzlos said:

ijjub said:

the insurer got the car and have written it off. they are getting the proceeds of the salvage.

hence, the insurer now has the car, written it off, made money from the salvage and i am left with a bill of £1500.

Did the insurer write it off before it was recovered?

Did you get a payout when it was written off? What are they saying the £1500 was for?

The insurer wrote the car off after "assessment".

They say that if the car was not found, they would give me market value, but to get the car assessed, I had to pay £1500 to get the car to them.

They got the car, assessed it and wrote it off. They told me that what happens to car is their business, but I am £1500 short and the insurer has the car and £1500 has gone to someone who activated the tracker.

So, the crux is, why whould I suffer this big loss for no fault of mine.

ijjub

born_again said:

ijjub said:

born_again said:

ijjub said:

The car was bought from Vantage. The "secret" tracker is the wording used by the Vantage team.

Yes, it was the tracker which found the car, but no one is claiming who activated it.

I was not aware of this when i bought the car and we have trolled through all the paperwork

But the insurance won't pay for £1500 for tracker activation!!!!

So new or 2nd hand?

Given the tracker must be activated for them to have found the car, why are you expecting the Ins co to pay for activation?

i did not explain properly.

the insurer got the car and have written it off. they are getting the proceeds of the salvage.

hence, the insurer now has the car, written it off, made money from the salvage and i am left with a bill of £1500.

if the car was not found, i would get the value of the car.

now i am £1500 out of pocket

Or answered the question that might help explain the unknown tracker 🤷‍♀️

So is this £1500 for the cost of the tracker that you had no idea of being fitted, as no one has paid the activation fee, but the insurance co have paid the activation to find & reclaim the car?

Of course the ins co get the proceeds of the salvage, as they are paying you out for the theft of the car.

End of the day Ins co payout is what it is. Not often you get what you feel is the value of the car. You can always complain to ins co & go to FOS if not happy with the result.

the insurer says that they did not activate the tracker, as me or them were NOT aware that it was installed. so they won't pay this £1500.

Mildly_Miffed

I can't see why £1,500 to recover/store/transport the car to their assessor is not a valid part of the claim.

The tracker is irrelevant to this. No matter how it was found, this would be the same situation. If some good samaritan had spotted it and phoned the police, would you be cursing them, too?

sheramber

Who did you pay the £1500 to? 

Herzlos

ijjub said:

Herzlos said:

ijjub said:

the insurer got the car and have written it off. they are getting the proceeds of the salvage.

hence, the insurer now has the car, written it off, made money from the salvage and i am left with a bill of £1500.

Did the insurer write it off before it was recovered?

Did you get a payout when it was written off? What are they saying the £1500 was for?

The insurer wrote the car off after "assessment".

They say that if the car was not found, they would give me market value, but to get the car assessed, I had to pay £1500 to get the car to them.

They got the car, assessed it and wrote it off. They told me that what happens to car is their business, but I am £1500 short and the insurer has the car and £1500 has gone to someone who activated the tracker.

So, the crux is, why whould I suffer this big loss for no fault of mine.

So the car was recovered, then assessed and then written off?
Why did they charge the money? Did you disagree with their initial assessment value?

Where does the tracker fit in here?

How much did the insurance pay you for the write off? How does that differ from what you were initially offered?

Herzlos

Mildly_Miffed said:

I can't see why £1,500 to recover/store/transport the car to their assessor is not a valid part of the claim.

I suspect they'd made an offer which OP disagreed with, so they agreed to have it assessed elsewhere at the OP's cost. Otherwise any recovery/assessment fee would be part of the claim. I've no idea what that's got to do with a tracker though.