Glad to hear you're not injured - always a good thing!
Originally Posted by Dave G
Just a quick tip for if the car is a write off.
When you get a settlement figure from the insurers, if you think it is too low, cut some adverts out of autotrader or similar for other cars of the same spec and mileage as yours to prove that yours is worth more than they are offering. Send these to the insurer as proof and they will nearly always increase their first offer. This advice also comes from some friends who work for NU!!
This worked for me - when my 164 was written off a few moths ago, I was offered £1250, talked the insurer's engineer up to £1450 on the fact I have a CD changer fitted.
WhenI spoke to the garage I bought the car from, they sugested I should be looking for closer to £2K.
A few days searching on Autotrader and Exchange & Mart websites gave me an estimate of £1875.
Faxed these details through to the engineer & we split the difference at £1650, as the vehicles tended to be a little younger than mine.
Not as much as I'd have liked
, but better than the 1st offer.
Incidentally, the engineer said standard practice was to check Autotraders website only for similar vehicles - there's usually a whole other group of vehicles on exchange & mart or fish4.co.uk.
You may as well push for as much as you can - it's the only time you'll see anything back from those premiums
Also, with the insurance, have you tried increasing the initial liability amount you pay on a claim? (can't remember the proper word
). Bumped mine from £100 to £350 & saw about £250 come off my premium for the year.