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Author Topic: and now this!!  (Read 3515 times)

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Offline Miss Demeanour

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Re: and now this!!
« Reply #15 on: December 11, 2007, 03:38:00 PM »
Look at this as a Godsend - at least you know what to buy her for Christmas now  lol:
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Offline Grumpmeister

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Re: and now this!!
« Reply #16 on: December 11, 2007, 03:39:38 PM »
Quote from: Miss Demeanor on December 11, 2007, 03:38:00 PM
Look at this as a Godsend - at least you know what to buy her for Christmas now  lol:

Aye, pre pay taxi vouchers  whistle:
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Offline Nick

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Re: and now this!!
« Reply #17 on: December 11, 2007, 05:32:46 PM »
Courtesy car tomorrow. She is now pissed off that she only get valuation on hers, not replacement value.
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Offline Snoopy

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Re: and now this!!
« Reply #18 on: December 11, 2007, 05:34:55 PM »
That is normal
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Offline Nick

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Re: and now this!!
« Reply #19 on: December 11, 2007, 05:35:23 PM »
I know that. You know that. She has just learnt it!
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Offline Marley's Ghost (Imbiber of Spirits)

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Re: and now this!!
« Reply #20 on: December 11, 2007, 05:37:21 PM »
To be fair, there are no insurers (that I know of) that will do 'new for old' cover on motors. You might be able to get it on your house contents, but not on a motor.

That said, I've always had good results by haggling with them. Well, on the one occasion that it happened, anyway.
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Offline Nick

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Re: and now this!!
« Reply #21 on: December 11, 2007, 05:38:17 PM »
She bought it "nearly new" last year. She is fairly upset over the expense!!

So am I! evil:
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Offline Darwins Selection

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Re: and now this!!
« Reply #22 on: December 11, 2007, 05:43:14 PM »
Check the small print on the policy for cover of accessories and personal effects like Satnav, Prada handbags and Krugerrands which will obviously have been taken from the wreckage by Scallies. eyes:

That may boost the claim value a bit, as long as you have receipts (or get some from the pub).
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Offline Snoopy

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Re: and now this!!
« Reply #23 on: December 11, 2007, 05:51:27 PM »
Quote from: Nick on December 11, 2007, 05:38:17 PM
She bought it "nearly new" last year. She is fairly upset over the expense!!

So am I! evil:

You can also take civil action against the person that hit her car to recover the difference between what their insurance is willing to pay put and what an identical replacement will cost ~ but be prepared .... not all courts agree with your evaluation. Better to fight the insurers to up their offer as MG says. Remember also that your valuation of a replacement is not the same as "Trade Value". I 'spect most of us have gone down this road a few times and you never get what you hope for.
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Offline Nick

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Re: and now this!!
« Reply #24 on: December 11, 2007, 05:54:43 PM »
One more job. Ta. and Merry effing Christmas!
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Offline Marley's Ghost (Imbiber of Spirits)

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Re: and now this!!
« Reply #25 on: December 11, 2007, 06:17:56 PM »
Quote from: Nick on December 11, 2007, 05:54:43 PM
One more job. Ta. and Merry effing Christmas!

As Snoops says, don't give up straight away. Big G may be able to help - he's affiliated to the motor trade I think.

Anyway, best route, go round local dealers and price up identical (or near identical) models in pretty much the same condition (and mileage) and use that as ammo against them. You'll be surprised! The insurers nearly always start with a low offer and if you can make a good case that this does not reflect the cost of replacement fairly, they'll often pay more just to get rid of you.

With your reputation, I suspect it'll be a case of: "Oh God - it's that Nick chap! Quick, offer him loads of dosh before the business goes tits up!"
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Offline Nick

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Re: and now this!!
« Reply #26 on: December 11, 2007, 06:30:01 PM »
Thanks all! Really. noooo:

Mrs Nick presently in a sort of heap! ::)
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Offline Darwins Selection

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Re: and now this!!
« Reply #27 on: December 11, 2007, 07:39:40 PM »
Quote from: Nick on December 11, 2007, 06:30:01 PM
Mrs Nick presently in a sort of heap

I thought your car was quite swanky?
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Offline Snoopy

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Re: and now this!!
« Reply #28 on: December 11, 2007, 07:41:24 PM »
Quote from: Darwins Selection on December 11, 2007, 07:39:40 PM
Quote from: Nick on December 11, 2007, 06:30:01 PM
Mrs Nick presently in a sort of heap

I thought your car was quite swanky?


Errrr ........ the s is actually surplus to requirement in that description.  ::)
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Offline Darwins Selection

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Re: and now this!!
« Reply #29 on: December 11, 2007, 07:42:51 PM »
Quote from: Snoopy on December 11, 2007, 07:41:24 PM
Quote from: Darwins Selection on December 11, 2007, 07:39:40 PM
Quote from: Nick on December 11, 2007, 06:30:01 PM
Mrs Nick presently in a sort of heap

I thought your car was quite swanky?


Errrr ........ the s is actually surplus to requirement in that description.  ::)

I knew I could rely on you to catch the ball.  ;)
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