Hi gyzmo I have trawled through lots of adverts on ebay & autotrader to try to find a similar replacement vehicle. The prices range from £600 (Much Higher Mileage & 2 Years Older) to £1,200 (6 Months Newer, Same Mileage). This morning I spoke to a local motor trader, he said to replace mine in similar condition he would expect me to pay £800+. I don't know this trader, but he has kindly offered to put this in writing for me. He went on to say that although I only paid £450 for my car, that was irrelevant it is the replacement cost that matters. Regards Wizard1

Hi gyzmo Thanks for the info. A friend of mine has told me to get in touch with an Independent Loss Assesor or the FOS to resolve this claim. Would you recommend this as the next course of action ? Personally I think I need to wait & see what the CIS put in writing first. Regards Wizard1

Hi On the 26/01/08 my car (Citroen Ax) was legally parked outside the house when it was hit by another (Insured) driver. The driver was hurt & taken to hospital. The police obtained his details (Name,address & Reg No) & passed them onto me the following day. All the details were given to my (Fully Comp) Insurance company CIS, who then contacted Albany Asssitance to arrange for a hire car. CIS sent an inspector to look at my Citroen, he said it was a complete write-off. He asked me for the purchase price, (£450, 6 months prior to the accident) also for any recent bills. Over the last 4 months I have spent £142 on 2x tyres & a new exhaust. He said that I would get all of that back. On the 12/02/08 I recieved an offer from my own Insurance company (CIS) for £450 minus £250 excess. I wrote back the same day declining their offer. on the 27/02/08 I reiceved a letter from Albany Assistance, saying that because I had not replied to the Offer made by CIS, they were requesting the Hire car back. I telephoned Albany & explained that I had replied & had declined their offer. Details were taken & they suggested that I contacted CIS myself. I contacted CIS & eventually was given a phone number for their Total Loss dept in Stoke. I telephoned & was told by a very arrogant lad, that he had my letter in front of him. He went on to say that this was the best offer & only offer they could make. I explained about the recent bills (CIS where sent copies along with the Log Book & Current MOT Cert) he said that I could not claim for these as they were for general wear & tear & maintanance of the vehicle. He advised me to accept their offer, I declined. I have since emailed Albany attaching a copy of the letter sent to CIS declining the offer. My Insurance with CIS was taken out in August 07. The premium was £1544.50 as it a second car with my (18 year old) son as a named driver. When asked for the value of the Citroen, I valued it as £800 because of the exceptional condition & service history. I cannot understand why CIS are being so stubborn, at the end of the day it will be the third party's insurance that pay. If they made me an offer around £600, To cover the cost of the vehicle + additional funds spent that would be acceptable. I would appreciate any advice on what to do next. Regards Wizard