Advice needed on car insurance

[Lukep]

BAssically if you ve read my last post then this is a follow on from it.

I had my Peugeot 206 broken into (via the passenger window) and radio stolen. My car was then kicked alot and most panels need replacing. The car insurer has told me that as there was old damage where some of the new damage is they are refusing to fix the car. Instead they are telling me that they will write a cheque to get the damage repaired.

The garage has said the repairs will cost me £2500 to repair but yet the insurer is only giving me £1000. What do I do? I have rejected the first offer. But what do i do now?

[Lukep]

I don't know what to say to them as I am unsure as to how high they will go.

[GoldyR]

Ask them where they got the £1000 from, presumably this is based on an estimate for repair from the garage it was assessed at? You want to see the estimate, otherwise how will you know that you can get the insured repairs done for £1000? And if they are telling you you can get the insured repairs done at £1000, why are they not instructing their garage to do the repairs? I get a feeling they have just plucked this figure out of the air.

You are equally entitled to get a garage of your choice to estimate for these repairs, you can then compare what they say with the estimate from your insurer.

[Lukep]

Basically they have screwed me over and the garage im going to feels so sorry for me they are chucking in a few discounts so I can get as much done as possible. They have advised me to write a letter to the insurance abudsmen.

I'm goign to go into the details but basically they have taken the lowest figure to fix the lowest amount of damage and then taken VAT & 2 (yes 2) amounts of excess off.

They say that the theft of my radio was 1 claim and the vandalism is another claim.