Dads R32 stolen - insurance being awkward; some advice pls
Discussion
My old mans lovely Mk4 R32 was stolen last week. They broke into his house and nicked the keys. Obviously he and my mother are really shook up as they are well into their 60's.
So the insurance company are dragging their heels a little and the next stage is that they are going to telephone interview him on Wednesday. Does this mean they are going to try and trip him up on something so they can avoid paying? He has never ever claimed for anything before so this is a new one really.
Also how do insurance co's go about ascertaining the value and therefore the figure to offer him? I just want to help him avoid getting bent over as I guess he is a little out of touch with this sort of thing....
Any help or suggestions appreciated thanks
So the insurance company are dragging their heels a little and the next stage is that they are going to telephone interview him on Wednesday. Does this mean they are going to try and trip him up on something so they can avoid paying? He has never ever claimed for anything before so this is a new one really.
Also how do insurance co's go about ascertaining the value and therefore the figure to offer him? I just want to help him avoid getting bent over as I guess he is a little out of touch with this sort of thing....
Any help or suggestions appreciated thanks
For something of relatively high value, and telephone interview is to be expected.
Best thing may be to state facts - answer only the direct question asked and don't volunteer any information or begin explaining the life story of the something irrelevant.
The value insurance should be paying out would be what it would cost to go out and buy a similar car right now, without bargaining - from a dealer.
The first offer the insurance company make will never be anywhere near this figure. Prepare by getting some ads for similar cars together - from Autotrader and PH Classifieds if similar cars are not being sold through dealerships. Otherwise get dealership figures.
Stick to your guns and ask for a value very close to what the above research throws up.
Note - No personal experience, but this is what I have had a friend do when he got his car written off, and what I have seen people recommend on this forum.
Edited by sinizter on Monday 30th August 11:31
If your dads insured with the company that have a red telephone with wheels on as a logo, then he may be in for a fairly long and frustrating wait. Its almost 3 months since my MKV GTI was stolen and still haven’t had a settlement offer 
Although amusingly somebody did phone up last week and try to sell me their home insurance . . . . . . . . . . my only pauses in a 10 minute rant, were for breath and to think up more and more obscure abuse!
Although amusingly somebody did phone up last week and try to sell me their home insurance . . . . . . . . . . my only pauses in a 10 minute rant, were for breath and to think up more and more obscure abuse!
The OH's MK4 R32 was stolen a few months ago under the same circumstances - house was burgled to get the keys. The insurance were actually pretty good about it and settled within about 6 weeks with no quibbles, but IIRC, he did have to have a telephone interview to discuss where the keys were left etc.
Sorry to hear about this, really boils my pi55.
We pay the insurance companies a lot of money for cover so why do they take weeks to pay up and treat you as a liar into the bargain.
Hang on! they'll claim that they are making sure everything is above board as if it isn't they will have to up our renewals which they do every year anyway.
We pay the insurance companies a lot of money for cover so why do they take weeks to pay up and treat you as a liar into the bargain.
Hang on! they'll claim that they are making sure everything is above board as if it isn't they will have to up our renewals which they do every year anyway.
Oakey said:
'Telephone interview' - it's rather ironic they want to see if your father is a dirty, theiving, lying b
d yet they can't be honst themselves, otherwise they'd be straight up and say "we want to put you through this lie detector"
Indeed, you should be able to spot the 'baseline' questions, then they'll go into questions about the car & the theft to see if your father's voice falters. They'll probably go over some areas of the story several times to see if there are any inconsistencies. For example if your dad says 'the keys were on my desk' later in the conversation they'll say "so you say the keys were on the sideboard" to see if your dad corrects them.d yet they can't be honst themselves, otherwise they'd be straight up and say "we want to put you through this lie detector"croyde said:
Sorry to hear about this, really boils my pi55.
We pay the insurance companies a lot of money for cover so why do they take weeks to pay up and treat you as a liar into the bargain.
Hang on! they'll claim that they are making sure everything is above board as if it isn't they will have to up our renewals which they do every year anyway.
What is the problem? Genuine loss, no worries. We pay the insurance companies a lot of money for cover so why do they take weeks to pay up and treat you as a liar into the bargain.
Hang on! they'll claim that they are making sure everything is above board as if it isn't they will have to up our renewals which they do every year anyway.
I'm happy the ins companies are weeding out crooks and false claims.
I see your point but it's just the thought of the questions tripping up a pensioner who won't be so up with the modern cut throat ways of the insurance companies.
I had my CBR600 stolen in France in 1988 and there were no accusing questions and payment was swift and the correct amount.
My quote for a CBR600 last year was £10,000, this year down to £4000. Talk about covering your ar5e.
So if I had been dumb enough to pay £10,000 only to have the bike nicked the next day, I would have been bloody unhappy to be questioned like a thief.
I had my CBR600 stolen in France in 1988 and there were no accusing questions and payment was swift and the correct amount.
My quote for a CBR600 last year was £10,000, this year down to £4000. Talk about covering your ar5e.
So if I had been dumb enough to pay £10,000 only to have the bike nicked the next day, I would have been bloody unhappy to be questioned like a thief.
croyde said:
I see your point but it's just the thought of the questions tripping up a pensioner who won't be so up with the modern cut throat ways of the insurance companies.
I had my CBR600 stolen in France in 1988 and there were no accusing questions and payment was swift and the correct amount.
My quote for a CBR600 last year was £10,000, this year down to £4000. Talk about covering your ar5e.
So if I had been dumb enough to pay £10,000 only to have the bike nicked the next day, I would have been bloody unhappy to be questioned like a thief.
You what?! I had my CBR600 stolen in France in 1988 and there were no accusing questions and payment was swift and the correct amount.
My quote for a CBR600 last year was £10,000, this year down to £4000. Talk about covering your ar5e.
So if I had been dumb enough to pay £10,000 only to have the bike nicked the next day, I would have been bloody unhappy to be questioned like a thief.
croyde said:
I see your point but it's just the thought of the questions tripping up a pensioner who won't be so up with the modern cut throat ways of the insurance companies.
I had my CBR600 stolen in France in 1988 and there were no accusing questions and payment was swift and the correct amount.
My quote for a CBR600 last year was £10,000, this year down to £4000. Talk about covering your ar5e.
So if I had been dumb enough to pay £10,000 only to have the bike nicked the next day, I would have been bloody unhappy to be questioned like a thief.
£10,000 ? Was it gold plated or something ?I had my CBR600 stolen in France in 1988 and there were no accusing questions and payment was swift and the correct amount.
My quote for a CBR600 last year was £10,000, this year down to £4000. Talk about covering your ar5e.
So if I had been dumb enough to pay £10,000 only to have the bike nicked the next day, I would have been bloody unhappy to be questioned like a thief.
Dick_Phallus said:
croyde said:
I see your point but it's just the thought of the questions tripping up a pensioner who won't be so up with the modern cut throat ways of the insurance companies.
I had my CBR600 stolen in France in 1988 and there were no accusing questions and payment was swift and the correct amount.
My quote for a CBR600 last year was £10,000, this year down to £4000. Talk about covering your ar5e.
So if I had been dumb enough to pay £10,000 only to have the bike nicked the next day, I would have been bloody unhappy to be questioned like a thief.
You what?! I had my CBR600 stolen in France in 1988 and there were no accusing questions and payment was swift and the correct amount.
My quote for a CBR600 last year was £10,000, this year down to £4000. Talk about covering your ar5e.
So if I had been dumb enough to pay £10,000 only to have the bike nicked the next day, I would have been bloody unhappy to be questioned like a thief.
Crazy. I had a hard time getting cover for my Street Triple yet now in year 2 it has not been a problem and much cheaper.
Sorry OP for the topic kidnap.
Seems supersports cannot be insured in London unless you have built up a massive NCB and have a garage.
Oakey said:
'Telephone interview' - it's rather ironic they want to see if your father is a dirty, theiving, lying bd yet they can't be honst themselves, otherwise they'd be straight up and say "we want to put you through this lie detector"
I was telephone interviewed when we claimed for a 32 inch LCD TV that was broken off our home insurance.d yet they can't be honst themselves, otherwise they'd be straight up and say "we want to put you through this lie detector"I dont really have a problem with it. Far too much fraud out there.
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