Haha, mine was more a case of breaking down on the motorway without my locking wheel nut, car being towed to garage and MOT'd while it was there and they didn't have locking wheel nut to put it back on!
Their offer is supposed to get you back in the equivalent of what's been lost, but the first offer never will. I found (though it was a fair few years ago now) that going back to the insurance with a few cars on Autotrader that match what you had was a good way of getting the offer bumped up to something more reasonable.
They ain't budging on £4000 and won't consider cars on auto trader and the like.
They are going purely from book valuation (using Glass's and CAP and averaging out between the two), despite my car having £6k worth of work before I purchased it and being in good condition - this also is not being considered.
To buy back they want £1.5k (what on earth).
I don't have access to either Glass's or CAP to see this info, anyone that can help on this would be most appreciated.
I'll submit a complaint with the FOS and see how I get on there.
Sorry i am a bit late to the party so unsure of why it's being written off and for what damage.
Was it stolen recovered?
or is the "Claim" against accidental damage caused by the RAC?
I have no experience of an insurance company paying out for a mechanical/electrical fault.
My tuppenneth though based on the money you have already spent on other things, engine/gearbox etc.
Could you repair the Car for £2,500?
If so
Try to change tack with the Insurance Company and suggest accepting £2,500 for the repairs on condition they Don't write the car off?
Otherwise you want them to source a replacement vehicle to the same spec
They may accept this because the write off decision would be based upon the cost of the repairs plus recovery and hire car charges whilst repair is done etc etc.
They ain't budging on £4000 and won't consider cars on auto trader and the like.
They are going purely from book valuation (using Glass's and CAP and averaging out between the two), despite my car having £6k worth of work before I purchased it and being in good condition - this also is not being considered.
To buy back they want £1.5k (what on earth).
I don't have access to either Glass's or CAP to see this info, anyone that can help on this would be most appreciated.
I'll submit a complaint with the FOS and see how I get on there.
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