Stolen recovered car question
Discussion
My Mums 6 month old 206CC was stolen on the 9th of December (stole keys from her house), and Tesco Insurance have just placed the order for her replacement car.
This morning she was called by the Police as they have just recovered the car, seemingly undamaged, 250 miles away in Kent, and arrested the culprit
.
How is this going to work out do you think? I assume that the car has already been declared a total loss by Tesco, so is their car, not my Mum's?
She is concerned they will try to give her her car back and she doesn't really want it (1 month of being drive like it was stolen!).
Anyone know where she stands?
This morning she was called by the Police as they have just recovered the car, seemingly undamaged, 250 miles away in Kent, and arrested the culprit
. How is this going to work out do you think? I assume that the car has already been declared a total loss by Tesco, so is their car, not my Mum's?
She is concerned they will try to give her her car back and she doesn't really want it (1 month of being drive like it was stolen!).
Anyone know where she stands?
I would think most likely that Tesco will cancel the order for the new car and get the stolen one back to her. They will I would think, have the car looked at by a garage to see if there is any damage and if they don't then you should do so for your own piece of mind. Obviously, if the engine or any other part has been damaged, the insurance will cover it.
They are not in the habit of buying new cars to replace old ones which turn up which they then have made a big loss on. If they have not already replaced the car, then I am afraid your mum is likely to be unlucky with her new one.
They are not in the habit of buying new cars to replace old ones which turn up which they then have made a big loss on. If they have not already replaced the car, then I am afraid your mum is likely to be unlucky with her new one.
I agree with Madcop although you might have a chance if there is damage to the vehicle.
As the car was only 6 months old look for all of the small things. Scratches in th epaint, cig burns, damage to the dash, damage to the wheels, worn tyres, damage to the hood and/or windows etc. Maybe get an independant engineers report to include mechanical damage (clutch wear, tracking etc). All of which you would want fixing. What was the mileage before it was stolen? What is it now?. You want the car to look like the 6 month old XXXX mile vehicle it was.
Be prepared to fight and haggle. Also be prepared to have to accept the car back.
As the car was only 6 months old look for all of the small things. Scratches in th epaint, cig burns, damage to the dash, damage to the wheels, worn tyres, damage to the hood and/or windows etc. Maybe get an independant engineers report to include mechanical damage (clutch wear, tracking etc). All of which you would want fixing. What was the mileage before it was stolen? What is it now?. You want the car to look like the 6 month old XXXX mile vehicle it was.
Be prepared to fight and haggle. Also be prepared to have to accept the car back.
loaf said: I'm fairly sure that if Tesco have made an offer, and your Mum has accepted it, they are bound by it. I've got a call into our senior claims manager now, will post again when I get an answer.
rgds,
Loaf
edited cos i can't spell claims
>> Edited by loaf on Monday 13th January 14:59
Not quite as clear cut as this (is it ever?) - it depends on exactly what the policy wording says on the issue. Normally the wording will say something along the lines of 'If the insured car is less than 12 months old from date of registration and damaged in an insured incident to more than 60% of the current UK list price, or is stolen and not recovered* or, if stolen and subsequently recovered and found to be damaged to more than 60% of the current UK list price, we will with your agreement and that of any interested party replace the car with a new model to the same specification, as long as the model is still made for sale and is generally available within the United Kingdom' [takes breath]. The key thing here is this:
Is there a time limit on the recovery? At * above, there may be a time period, usually 28 days - so if it's not recovered within 28 days your Mum gets her new motor, full stop. If there isn't a time limit, then it depends at what point the purchase/delivery of the new car is at. If the order has progressed past the point where the order can be cancelled without penalty, then your Mum should still get her new car. If not, then she may have to take the old one back. There is, of course, the chance that it is damaged beyond 60% of the list price, in which case she'll get the new car regardless of the theft.
Check the policy wording - if you're unsure either post it here or mail me offline and I'll check it out.
I had my car Stolen recently, and it would seem that if it turns up at any time prior to them paying out, then they will return the car. I had bought another car in the meantime so was not best pleased AND I still haven't got my original car back coz it's taking them ages to fix it coz they lost the keys!
AND they sent me a letter 3 days afterwards saying for an extra £15 on my premium I could have had a hire car until mine was recovered but that it was too late now
Hopefully you can tell I'm not bitter
AND they sent me a letter 3 days afterwards saying for an extra £15 on my premium I could have had a hire car until mine was recovered but that it was too late now
Hopefully you can tell I'm not bitter
Good news - despite the recovered car being seemingly undamaged, Tesco have said a new car will be delivered within 2 weeks!
Quite interesting how they caught the guy - He was trying to get onto the Channel Tunnel and they scan every reg plate, and check with the DVLA. He had made some plates up and stuck them on, but this showed up as 'no such car' and they grabbed him!
Quick check inside and they found a load of V5 documents too.
Sadly he will probably get 10 minutes community service!
Quite interesting how they caught the guy - He was trying to get onto the Channel Tunnel and they scan every reg plate, and check with the DVLA. He had made some plates up and stuck them on, but this showed up as 'no such car' and they grabbed him!
Quick check inside and they found a load of V5 documents too.
Sadly he will probably get 10 minutes community service!
Yep - they have ANPR (Automatic NumberPlate Recognition) at every ticket check in point and at the "passports please" part - you can see the camera at the end of the "island" that the hut sits on.
hughjayteens said:Quite interesting how they caught the guy - He was trying to get onto the Channel Tunnel and they scan every reg plate, and check with the DVLA. He had made some plates up and stuck them on, but this showed up as 'no such car' and they grabbed him!
Just as well he made up a legally spaced and correct size one (it's illegal now to make incorrect sized plates) - otherwise the ANPR might not have been able to read it and work out it was fake! At least one good reason for standard size plates!
That long - ooooooooooo.
Sadly he will probably get 10 minutes community service!
J
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