Help needed arguing Esure's valuation

maddogb wrote: »

Well finally heard back from the ombudsman, what a waste of time they were, as I suspected the followed exactly the same mechanical approach as esure said.
"Computer says NO"
They did not do a single thing above the initial outlined approach to actually find if the guides were correct, no confirming data, no checking if the guides were accurate locally despite their promise in their website
"because it all depends on the individual circumstances. "


two months without a car, cannot afford anything remotely comparable, am approx. £300 down paying hpi checks and fuel to go visit old wrecks miles away, no wonder people drive uninsured.

Instead of maybe focussing on getting exactly the same car again, is there scope to look for a different brand? Maybe take the opportunity to try something different? Smaller / bigger, more economical, suits your needs better, etc, etc?

I'd be fairly confident with a reasonable sum in my pocket i could get a car i'd be happy with, even if my "ideal" car seems extremely rare and hard to come by.

There are bargains to be had out there (having just done so myself) but you cant be absolutely fixated on a spec car or spec.

The other thing is, i wouldnt be afraid to put in a cheeky bid on a car that over budget and see what happens. I bid £3,300 on a car over the phone that had a sticker price of £3,995 (which was already £500 cheaper than any other comparable car on autotrader) expecting to be chased however we settled on £3,500 to include a fresh MOT (which i know cost him a lot more than he'd hoped as it needed new rear discs and pads, and a cracked spring replaced which had to come from a franchised garage), service and valet. Picked it up today and well pleased.

I bought a diesel jag last year with pretty much optimum spec that had a sticker price of £3,995. Told the guy i had £2,960 in my pocket to buy a car with and after about 10 mins of checking figures and chat he accepted it.

I know you dont want to give out specifics, but if you could tell us the year and type of car your last one was (eg, 2007 large saloon or 2008 5 door family hatchback), we could maybe suggest options (not necessarily specific cars on specific sites but cars that might be in budget or worth considering)

If our main car - god forbid - got written off, being quite rare we'd probably struggle to replace it as theres only another couple for sale here in NI, however we'd probably use the opportunity to go for something different.