insurance payout how to prove

[.GAZ.]

FLOL @ £3.5k

 

[Heez]

I'd be very happy with £3k.

Get as close to that as you can.

IMO, if you want any more for an eight year-old Clio on 90k miles, then you're dreaming.

This.

gunna try get 3.5k

Good luck.

 

[Revels]

You wouldn't have got £3500 if you'd tried to sell it on here.

No way you'll get that as a payout.

 

[Yellow Dave]

LOL.

It doesn't make the car worth more money.

Not entirely accurate. My premium went up for LY over other standard colours due to the cost of respraying. The limited number of cars will put a marginal premium on resale costs.

Maybe speak with Steve of R-Sport cars for an independent evaluation and see if he can offer any help

At the end of the day they have to provide you with suitable funds to buy the same car in the same condition, therefore colour makes a difference

 

[LY04 GAV]

Well i did say GUNNA TRY didn't say thats what im gunna get just said i was GUNNA TRY

 

[Damo_Sport]

Im not one to jump the gun, but 3.5k for a yellow 8 year old clio on 90k miles?.. If i went to a private sale guy i would be paying 2.5k max..

 

[Christopher]

The Welsh language confuses me.

 

[LY04 GAV]

Well if you can find a Liquid yellow for 2.5k like i just said to the crayon cruncher on the phone i will have one ") So good luck finding one

 

[Inequality Street]

a had the same problem with my old car, had it for 2 weeks and some old dear decides to pull out extremely slowly then all of a sudden come out like jenson button and smashed my b pilar and creased it all. was written off and they offered me £1200 and a paid £1800 for the car a told them to get f***ed and wanted proof a paid that price and on that date so a faxed over my purchase proof and a got just under £1800 for it, they will try anything to give you as low as possible.

I, not A.

 

[Italian_Job]

Well it is yellow, which was £1200 ish more as an ID paint option so as per CS logic that dictates the car is still worth £1200 more than another clio of comparable age/mileage but in a non ID colour.

what are you going on about?
if the car has lost 1/6th of it's value in 8 years the LY optional does too!

 

[Turkish]

Did you not see the "CS logic" part of my post?

 

[Italian_Job]

Did you not see the "CS logic" part of my post?

I'm dumb -_-

 

[skyinsurance]

Perhaps you could approach Clioport.net admin and if they agree with your valuation you could ask them to write a letter on headed paper to support this.. whether that will be acceptable proof with your insurer is a different matter though.

Ollie

http://www.skyinsurance.co.uk/car-club-insurance.html

 

[Kneel]

Based on the first few pages of cars for sale section then asking for £3.5k is reasonable. All the sports that are less than this are 172's which is a different 'lower' model, i dont see the issue with you trying to get enough money to buy a decent car back if yours was well looked after. I dont think I'd buy a 182 for £2.4k I'd be afraid it was ropey...

 

[Gally]

I feel like helping...

 

[Heez]

Perhaps you could approach Clioport.net admin and if they agree with your valuation you could ask them to write a letter on headed paper to support this.. whether that will be acceptable proof with your insurer is a different matter though.

Ollie

http://www.skyinsurance.co.uk/car-club-insurance.html

Would that make any difference with you guys?

 

[Gally]

will try anything to give you as low as possible.

That's a lie and illegal. That's not how insurance works.

What insurance company are you with OP?

I'll take a stab at admiral.

Please bare in mind the insurance assessor isn't on ClioSport and he doesn't give a monkeys if it's a FullFat girl wagon!

 

[skyinsurance]

Would that make any difference with you guys?

We'd be happy to use it as supporting evidence yes...

The trouble is though, owners clubs generally over value their own vehicles so it can only be used as evidence which is taken into consideration.

Ollie

 

[Gally]

We'd be happy to use it as supporting evidence yes...

The trouble is though, owners clubs generally over value their own vehicles so it can only be used as evidence which is taken into consideration.

Ollie

You were serious with that previous comment Ollie?

I thought you were ripping the utter piss!

 

[skyinsurance]

I gave up trying to defend the insurance industry a long time ago but I'd argue your sweeping statement below:

they will try anything to give you as low as possible.

It is incredibly rare that we receive any complaints about the value placed on vehicles insured via our car club scheme. if we do (and support the value), we step in and assist.

I'll use my mother as another example.

Mk2 Mr2 which she'd been trying to sell for 6 months at £4500 - it got stolen and was never recovered. Paid out at £5k.

Ford Escort - rolled down driveway and crashed into tree (it still amuses me to today) - vehicle value £1500, paid out £1900.


Ollie

 

[2Damnsly Andy]

Cap retail is £3395, Cap clean is £1900. Realistically unless you have a guaranteed valuation you're fighting an uphill battle.

 

[skyinsurance]

You were serious with that previous comment Ollie?

I thought you were ripping the utter piss!

No, serious post. Where else better to find out from than the experts? Works better for rare/odd ball cars. A part of my role here used to be dealing with agreed value applications, complete and utter pain in the ar*e but I'd often seek advice from owners clubs and communities, I've also encouraged customers to seek advice themselves. I had a guy once who valued his car at £9000 just because it has low mileage, he was adamant, he was angry, he was insulted when I went back to him with an offer of £3000. I told him to get advice on his owners club forum, he did, he got ripped to pieces and was told that £3000 was more than fair. Car was worth £2k tops. Bloke was an ar*e.. The customer, in my experience, is quite often wrong.

 

[Turkish]

The trouble is though, owners clubs generally over value their own vehicles

You will hear the pitchforks clinking and the sound of fires being started near you soon for that lol

 

[Revels]

No, serious post. Where else better to find out from than the experts? Works better for rare/odd ball cars. A part of my role here used to be dealing with agreed value applications, complete and utter pain in the ar*e but I'd often seek advice from owners clubs and communities, I've also encouraged customers to seek advice themselves. I had a guy once who valued his car at £9000 just because it has low mileage, he was adamant, he was angry, he was insulted when I went back to him with an offer of £3000. I told him to get advice on his owners club forum, he did, he got ripped to pieces and was told that £3000 was more than fair. Car was worth £2k tops. Bloke was an ar*e.. The customer, in my experience, is quite often wrong.

Lol. He didn't paint his exhaust too did he?

 

[Gally]

In my experience the "non car club" owner thinks his car is worth a lot less than it actually is.

I've helped people on this forum get decent payout on their car even though you could argue it isn't worth that amount.

Do insurance companies even use cap anymore?