Insurance Claim - wright-off
Discussion
So it would appear a sight mishap with a ADNOC road tanker has resulted in the Evora requiring a new wheel and rear clam.
The insurance is yet to confirm, but looks like the car will be getting written-off.
Does anyone have any experience of dealing with this kind of claim here? The car is insured fully Comp with Axa - I guess I'm dreaming if I think they are going to write a cheque for the insured amount. Will they evaluate the market value (same as they would in the UK)? Do we get to challenge the value they give?
Is it possible to buy the car back from the insurance company? The damage is minimal cosmetic and would be an easy repair in the UK - my thoughts would be to buy the car back and sell in Europe once repaired (with full disclosure to the potential buyer).
Any advice welcome
Sam
The insurance is yet to confirm, but looks like the car will be getting written-off.
Does anyone have any experience of dealing with this kind of claim here? The car is insured fully Comp with Axa - I guess I'm dreaming if I think they are going to write a cheque for the insured amount. Will they evaluate the market value (same as they would in the UK)? Do we get to challenge the value they give?
Is it possible to buy the car back from the insurance company? The damage is minimal cosmetic and would be an easy repair in the UK - my thoughts would be to buy the car back and sell in Europe once repaired (with full disclosure to the potential buyer).
Any advice welcome
Sam
At last, a post I can contribute to...
Sorry to see the state of the motor.
I smashed the Jag about a year ago.... no one else involved, had one of those massive concrete blocks jump out at me.
I had exactly the same insurance. I knew it was close to being written off...wheels were all the place, pushed back into the bodywork.
I had to hound the insurers to get things moving and eventually got a call from the repair garage to say that the repairs had been approved and they would start the work. They then let slip that they might not use proper Jaguar parts and some parts would be second hand. I immediately told them not to touch it and spoke to the insurers. The insurers told me that it was in my policy that they were allowed to use such parts.....I read the policy book cover to cover 5 times, and it said nothing of the sort. it was a blatant lie.
A week of arguing after and with the threat of legal action, they agreed to write it off. They pro-rata depreciation of 20% over the year, which was fair enough. They then tried to get me to sign that I was responsible if any parts were "pilfered" whilst it was in their garage, and that if they couldn't get the expected scrap value, they would make another deduction from the pay out. I told them to poke it on both counts and reminded them of the legal contract......a week later I got the cheque.
I understand they lost a few quid, but that's the insurance game for you...no one is forcing them to be in the business. It seems standard practice to over esti ate the value of vehicles in order to ramp up the premium....but they really don't like it when you make a claim.
Good luck...but be prepared to read every single word of anything you are asked to sign.
Sorry to see the state of the motor.
I smashed the Jag about a year ago.... no one else involved, had one of those massive concrete blocks jump out at me.
I had exactly the same insurance. I knew it was close to being written off...wheels were all the place, pushed back into the bodywork.
I had to hound the insurers to get things moving and eventually got a call from the repair garage to say that the repairs had been approved and they would start the work. They then let slip that they might not use proper Jaguar parts and some parts would be second hand. I immediately told them not to touch it and spoke to the insurers. The insurers told me that it was in my policy that they were allowed to use such parts.....I read the policy book cover to cover 5 times, and it said nothing of the sort. it was a blatant lie.
A week of arguing after and with the threat of legal action, they agreed to write it off. They pro-rata depreciation of 20% over the year, which was fair enough. They then tried to get me to sign that I was responsible if any parts were "pilfered" whilst it was in their garage, and that if they couldn't get the expected scrap value, they would make another deduction from the pay out. I told them to poke it on both counts and reminded them of the legal contract......a week later I got the cheque.
I understand they lost a few quid, but that's the insurance game for you...no one is forcing them to be in the business. It seems standard practice to over esti ate the value of vehicles in order to ramp up the premium....but they really don't like it when you make a claim.
Good luck...but be prepared to read every single word of anything you are asked to sign.
Had a call last night and yes they have written off the car, should get a claim offer within the next few days.
Thanks for the heads up re the sneaky conditions that they try to apply - I'll keep an eye out for that.
I want to buy back the car, the damage is minimal - the little information I could get out of them last night indicated I'd need a trade licence to buy the car off them.
Thanks for the heads up re the sneaky conditions that they try to apply - I'll keep an eye out for that.
I want to buy back the car, the damage is minimal - the little information I could get out of them last night indicated I'd need a trade licence to buy the car off them.
Chilli said:
At last, a post I can contribute to...
Sorry to see the state of the motor.
I smashed the Jag about a year ago.... no one else involved, had one of those massive concrete blocks jump out at me.
I had exactly the same insurance. I knew it was close to being written off...wheels were all the place, pushed back into the bodywork.
I had to hound the insurers to get things moving and eventually got a call from the repair garage to say that the repairs had been approved and they would start the work. They then let slip that they might not use proper Jaguar parts and some parts would be second hand. I immediately told them not to touch it and spoke to the insurers. The insurers told me that it was in my policy that they were allowed to use such parts.....I read the policy book cover to cover 5 times, and it said nothing of the sort. it was a blatant lie.
A week of arguing after and with the threat of legal action, they agreed to write it off. They pro-rata depreciation of 20% over the year, which was fair enough. They then tried to get me to sign that I was responsible if any parts were "pilfered" whilst it was in their garage, and that if they couldn't get the expected scrap value, they would make another deduction from the pay out. I told them to poke it on both counts and reminded them of the legal contract......a week later I got the cheque.
I understand they lost a few quid, but that's the insurance game for you...no one is forcing them to be in the business. It seems standard practice to over esti ate the value of vehicles in order to ramp up the premium....but they really don't like it when you make a claim.
Good luck...but be prepared to read every single word of anything you are asked to sign.
Was your insurance with Axa? They are usually very decent?Sorry to see the state of the motor.
I smashed the Jag about a year ago.... no one else involved, had one of those massive concrete blocks jump out at me.
I had exactly the same insurance. I knew it was close to being written off...wheels were all the place, pushed back into the bodywork.
I had to hound the insurers to get things moving and eventually got a call from the repair garage to say that the repairs had been approved and they would start the work. They then let slip that they might not use proper Jaguar parts and some parts would be second hand. I immediately told them not to touch it and spoke to the insurers. The insurers told me that it was in my policy that they were allowed to use such parts.....I read the policy book cover to cover 5 times, and it said nothing of the sort. it was a blatant lie.
A week of arguing after and with the threat of legal action, they agreed to write it off. They pro-rata depreciation of 20% over the year, which was fair enough. They then tried to get me to sign that I was responsible if any parts were "pilfered" whilst it was in their garage, and that if they couldn't get the expected scrap value, they would make another deduction from the pay out. I told them to poke it on both counts and reminded them of the legal contract......a week later I got the cheque.
I understand they lost a few quid, but that's the insurance game for you...no one is forcing them to be in the business. It seems standard practice to over esti ate the value of vehicles in order to ramp up the premium....but they really don't like it when you make a claim.
Good luck...but be prepared to read every single word of anything you are asked to sign.
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