Darren S
ClioSport Club Member
I think that's part of the stance most insurers 'hope' that the general public will take. Do you want a lump sum to use towards your brand new or slightly used 2nd hand car - or try and recover your 16+ years old, damaged car?Why would their only option be to strip and repair the current engine? If the OP could source a 2nd hand engine the insurance would pay for that.
I see it all the time on here when somebody has a belt failure. " Just source a 2nd hand engine and fit that".
You have a lot more rights than people think when you make an insurance claim. Granted for a car 16+ years old the insurance company's first port of call is to write the car off. But you can insist that it's repaired.
Look at my car. I'd say it was worth £5k, 105k miles, one owner from new with every bit of service history since new. Yet they're still paying £3k to repair it. Some might say it's not economical to repair. But I want my car repaired so it's going to be repaired. I've already had a courtesy car for 1 month which has probably cost the insurance company £3k before we even start talking about the cost of the repair.
They really will hope that the owners will cave and just accept the pay out - it's easier for all concerned (in their eyes). People like us however, are a right pain in the arse to deal with!