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Walshey1

OneCall - under valued written off car

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Well quite god smacked,

 

I would of sung the praises of one call all day long,

however after 39 years of driving i had my first RTA.

 

One call, I must of made 15, assessor came out took photo's,

heard nothing, then received phone call we are coming to collect your car???

 

I was confused,

was at work at the time,

got some one to access email at home,

car had been written off,

so no car, no courtsey car.

 

Phoned them to find out whats happening,

told me written off,

ask how much I was getting they could not tell me.

 

i had the extra gold cover they told me as they collect my car a hire car was arranged for first thing in the morning.

Morning came, phoned enterprise they knew nothing.

 

Car was collected,

phoned one call about the hire car,

sorry you are not covered,

not what i was told last night,

so hung around like a prat for nothing.

 

Because its an extra there is a 14 day cool down period,

i was unfortunate to have my 1st accident during this period,

therefore not covered,

which also applied to halving the access.

 

Just as I thought it could not get any worst they decided the value of my car was £1800 ??????

My car was insured for £3500,

I paid £3000 with bartering,

 

I have now supplied them with 30 pictures of the same make etc,

most of them with higher mileage ranging from £2500 - £4000,

so average £3000,

funny what I paid for my car.

 

So £1800 ??? of course minus premium and £400.

So be careful out there,

they go on about fraud,

I don't what to rip them off so why do they want to rip me off???

 

Sorry I had the accident,

all I wanted/expected was the ability to replace my car like for like,

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You should challenge the write off value, taking it to the FOS if necessary. They can deduct the excess and remaining premium, but the amount they value the car should be the market value of what it would cost to replace.

 

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

 

You have to be a bit careful at the moment, as it appears some Insurers are writing off cars quickly, as they realise the salvage may be worth more than they are paying out. There was a case the other day, where an Insurers were offering only half of what an engineers valuation had informed the insurers. Pretty poor practice, when Insurers look to take advantage of customers to make a profit following an accident.


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