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gsc1ugs | Insurance ripoff? |
Can anyone advise please once offered a ridiculous sum off my insurance due to stolen vehicle what I should do next to appeal? is this common practice for an insurance company to offer such a ridiculous amount?
Additional Details
A reply to all thxs, vehicle was stolen, evidence sent and pics of similar vehicles also sent, they even did'nt phone to discuss, I 've used them for 10 years or more, they are very cheap but this is why, vehicle worth £2500 easy and they offered £600, I even sent original receipt of £1750 is was bought for off the road 3 months prior to insurance being taken out... there initials D L off the uk... |
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Tony H
|
Tell them you wont accept offer.
Send them adverts for similar vehicles with prices.
Tell them that unless they agree a reasonable settlement you will see a solicitor and take them to court for the value and claim legal costs against them. this is a last option but don't threaten unless you can prove the value of the vehicle. The legal costs far outweigh the value of the vehicle and if you have a case they will not want to pay these on top of the claim. |
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achrimsdale
|
What worked for me was I cut out from my local papers adverts for a similar model car (age, type etc) and sent them to the insurance company pointing out that there estimate and reality were different
I got an immediate 25% increase in the settlement offer. |
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RM
|
I don't understand why you would expect £2500 for it if you only paid £1750, and that doesn't take into account depreciation since you bought it.
You could look up the blue book value for it in its last known state, and forward that to your insurance company.
Good luck. |
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sparman20
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It seems the best thing to happen is if the car is a total right off, you get a proper return. I have thought for years that insurance it the biggest legal rip off known to man. Dammed if you do insure and dammed if you don't. |
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stepfordmom75
|
Your insurance company will most likely value the car at "Fair Market Value". The previous answers about using ads for similar cars in your area are a great idea. Blue book is not realistic because it assumes a car is being sold by a dealership and includes both cosmetic and mechanical reconditioning.
Another thing you should check is if any taxes or registration fees will be paid by your insurance company, also, if you have receipts for things like new tires and such bought recently, they may take some of that into account. |
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Mark
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Perfectly normal.
But you may wish to gain evidence of the cars true worth or replacement value.
This may be ads for a car that is of equal age, mileage, condition and service history.
Persevere |
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Indy500
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Name them and let us all know! |
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badbill1941
 |
Have no idea what you are trying to say without more info. |
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welcome news
|
I suggest that you write to them stating that you think that they are not 'treating you fairly' and that you will take the matter to the Financial Ombudsman Service. Full details of how to make a complaint have been sent to you.
That should make them reconsider.
NB Use those exact words.The FSA is having a blitz at the moment on 'Treating Customers Fairly' |
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