Lexus Car Stolen

Herzlos

ijjub said:

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 aware that it was installed. so they won't pay this £1500.

What exactly did they say the £1500 was for?

ijjub

Herzlos said:

ijjub said:

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 aware that it was installed. so they won't pay this £1500.

What exactly did they say the £1500 was for?

£1500 to get the car from Rescue Centre

ijjub

is it normal to pay insurers to get the car from Rescue Centre to them?

Grumpy_chap

I initially thought the £1,500 was paid to the Lexus Dealer to activate the tracker.

Now, the £1,500 was to recover the car from the "Rescue Centre".
What and where is the "Rescue Centre" - is this another term for a Police or similar compound where cars that are found dumped in whatever state are taken to?  If so, why would the car need to be moved from there for assessment?  Often, insurers have local representatives that can assess the car at wherever it is and, if a clear write-off. the car will then simply be moved to scrap process without requiring any further transportation.

XRS200

You've given different reasons for the £1500 - activate tracker, release car, get the car.  Can you specify exactly?

Who activated the tracker if no-one knew it was there?

Mildly_Miffed

Grumpy_chap said:

I initially thought the £1,500 was paid to the Lexus Dealer to activate the tracker.

Now, the £1,500 was to recover the car from the "Rescue Centre".
What and where is the "Rescue Centre" - is this another term for a Police or similar compound where cars that are found dumped in whatever state are taken to?  If so, why would the car need to be moved from there for assessment?  Often, insurers have local representatives that can assess the car at wherever it is and, if a clear write-off. the car will then simply be moved to scrap process without requiring any further transportation.

Trying to fill in the blanks here...

1. The stolen car has been located (whether via the tracker or however else).

2. It's been recovered by whoever has the local police recovery contract, and taken to an impound yard.

3. It's been there for a period of time, with storage charges accruing.

4. It's then been taken from the storage yard to whoever the insurer use for assessing stolen-recovered vehicles for viable repair, where the insurer have decided it's uneconomic to repair and sent it off to salvage auction.

The £1,500 covers the transport between those steps plus the storage.
If the car had not been located, the £1,500 would not have been incurred - but the insurer would not have had the revenue from sale at the salvage auction.

If that assumption is correct, I stand by my statement that the £1,500 is part of the claim.

My suspicion is that the OP has been contacted as keeper, and - rather than simply pass the recovery yard on to the insurer - has paid the £1,500 themselves, and it's reimbursement of that which the insurer is now quibbling over.

Grumpy_chap

Mildly_Miffed said:

Grumpy_chap said:

I initially thought the £1,500 was paid to the Lexus Dealer to activate the tracker.

Now, the £1,500 was to recover the car from the "Rescue Centre".
What and where is the "Rescue Centre" - is this another term for a Police or similar compound where cars that are found dumped in whatever state are taken to?  If so, why would the car need to be moved from there for assessment?  Often, insurers have local representatives that can assess the car at wherever it is and, if a clear write-off. the car will then simply be moved to scrap process without requiring any further transportation.

Trying to fill in the blanks here...

1. The stolen car has been located (whether via the tracker or however else).

2. It's been recovered by whoever has the local police recovery contract, and taken to an impound yard.

3. It's been there for a period of time, with storage charges accruing.

4. It's then been taken from the storage yard to whoever the insurer use for assessing stolen-recovered vehicles for viable repair, where the insurer have decided it's uneconomic to repair and sent it off to salvage auction.

The £1,500 covers the transport between those steps plus the storage.
If the car had not been located, the £1,500 would not have been incurred - but the insurer would not have had the revenue from sale at the salvage auction.

If that assumption is correct, I stand by my statement that the £1,500 is part of the claim.

My suspicion is that the OP has been contacted as keeper, and - rather than simply pass the recovery yard on to the insurer - has paid the £1,500 themselves, and it's reimbursement of that which the insurer is now quibbling over.

That makes sense and is the kind of sequence that would be expected.
It seems that the secret tracker was largely irrelevant and quite likely not what the £1.5k was for.

Mildly_Miffed

It could well be that this tracker is how it was recovered... but the big question is, if it was such a secret, how...

Perhaps the tracker company still have the car subscribed, and were notified by police stolen-vehicle lists.

Herzlos

ijjub said:

Herzlos said:

ijjub said:

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 aware that it was installed. so they won't pay this £1500.

What exactly did they say the £1500 was for?

£1500 to get the car from Rescue Centre

Instead of drip-feeding us details, can you give us the whole story from the start?

Okell

Mildly_Miffed said:

Grumpy_chap said:

I initially thought the £1,500 was paid to the Lexus Dealer to activate the tracker.

Now, the £1,500 was to recover the car from the "Rescue Centre".
What and where is the "Rescue Centre" - is this another term for a Police or similar compound where cars that are found dumped in whatever state are taken to?  If so, why would the car need to be moved from there for assessment?  Often, insurers have local representatives that can assess the car at wherever it is and, if a clear write-off. the car will then simply be moved to scrap process without requiring any further transportation.

Trying to fill in the blanks here...

1. The stolen car has been located (whether via the tracker or however else).

2. It's been recovered by whoever has the local police recovery contract, and taken to an impound yard.

3. It's been there for a period of time, with storage charges accruing.

4. It's then been taken from the storage yard to whoever the insurer use for assessing stolen-recovered vehicles for viable repair, where the insurer have decided it's uneconomic to repair and sent it off to salvage auction.

The £1,500 covers the transport between those steps plus the storage.
If the car had not been located, the £1,500 would not have been incurred - but the insurer would not have had the revenue from sale at the salvage auction.

If that assumption is correct, I stand by my statement that the £1,500 is part of the claim.

My suspicion is that the OP has been contacted as keeper, and - rather than simply pass the recovery yard on to the insurer - has paid the £1,500 themselves, and it's reimbursement of that which the insurer is now quibbling over.

I admire your ability to make some sort of sense of this story - something which the OP has failed spectacularly to do.

I couldn't make head nor tail of it...