Need some help please.

Unfortunately, I managed to insurance write off my car....

The insurance company have offered me derisory value for the car. I have sent them 2 emails back objecting to the offer they have made.

On both occasions I have sent cars of similar age and mileage and still they refuse to up the offer, even though I have proved they have their facts wrong. I had my car valued at £2,000. The offer is less than half, almost a 1/4!

We are now on the 2nd stage of complaint where someone else is looking into my problem.......

What else can I do?

Can you give us a bit more info on accident/vehicle make & model/ins co?

Accident my fault. No complaints about that.

Rover 216 Cabriolet, Honda Engine, Very good condition, mileage - 134,000, Year of reg - M - 1995. Saga.

Damage to car - Bumper, Bonnet, Headlights and bar which goes across front wings.

Anything else needed?

2K for a 13 year old Rover seems a little ambitious......

ROVER 216 Cabriolet, 2 Doors, Manual, Cabriolet, Petrol, 1995 N Reg , 150,000 miles, BLUE. Leather interior, Part exchange to clear, power operated hood, Driver Air Bag, Power-Assisted Steering, Service History, Alloy wheels, Electric mirrors, Electric windows, Radio/Cassette. Insurance Group:12, M.O.T. Until April 09 £695

ROVER 216 Cabriolet, 2 Doors, Automatic, Cabriolet, Petrol, 1992 K Reg , 107,000 miles, Metallic Turquoise, 5 Owners, Alloy wheels, Central locking, Cloth upholstery, Colour coding - Body, Electric windows, Power assisted steering, Radio/CD. Insurance Group:12, mot nov 2009 , taxed untill may 2009 . power hood . number plate is K430ANT £1,295 p/x welcome

1997 ® Rover 216 Cabriolet 216 Cabriolet, 74000 miles, silver, Petrol, Manual Transmission, £1295

^^ These are all inflated dealer prices ^^

It's too old for Glass's guide but what does Parkers say? Also worth finding out if their engineer considered your car to be in very good condition.

It is always worth fighting for a bit of an increase and the best thing you can do is to dig your heels in.

Thanks for the above, I have used that tactic already. Thanks for the Glasses Guide bit, as they are forever quoting Glasses. The car was in very good condition. But, in addition, I would like to know how to fight back re their constant value of the car.

I have stated I would like between 950 - 1200. How can I get them to see reason! I know good joke.....

But, honestly. This is my first ever accident in 30+ years driving... And I have no experience in 'fighting' insurance companies.

Help needed.

Forgot to say, £2k is what I insured the car for. Would seem to be no point on that! and I was offered £1500 for it last January.

What I am asking for is help to get the 'write off' value to be in excess of the value they offered me.

http://www.financial-ombudsman.org.uk/publications/technical_notes/motor-valuation.html#6

http://www.financial-ombudsman.org.uk/publications/ombudsman-news/22/issue-22-motorinsurance.htm.

Guide valuations are most important. What value does Parker’s suggest and what are they offering you? What value do they quote from Glass’s guide? Get in touch with Glass’s and ask them where you can get hold of a copy as the info for 10 years + cars is not readily available online: http://www.glass.co.uk.

If the insurance company are 100% confident about their valuation you will reach a stalemate and then be referred to the Ombudsman if you wish to take it further. Depending on the guide book valuations, this may not be worth your time and effort:

We do not often uphold a complaint about the valuation of a vehicle where, within a reasonable time, the insurer has offered the full retail value (not the trade value) in accordance with the main motor trade guides

Accept an interim payment while this is sorted so at least the money is in your bank account and not theirs.

Spent the money and got a parkers guide price for the car.

Glad I am sticking to my guns on this. Worth a darn sight more than glasses and the insurance companies valuation....

Thanks for the heads up.