I don't know, but you perhaps should set your sights at getting the "write-off" rescinded? Until the insurers "offer" is accepted, the vehicle is yours.Keep it secure from salvage wagons!

BTW, on reading the link on values, I think they are wrong on "trade value" as you can't replace your vehicle at the price dealers would offer to buy! Suggest you Google for more material. For starters, here is the Ombudsmans stance: www.financial-ombudsman.org.uk/publications/techni...4

See Note 2 of which this is the opening para:" In most cases, we assess the market value as the retail price which the consumer would have had to pay for a comparable vehicle at a reputable dealer, immediately before the date of the damage or theft."

This area is complicated, and I am no expert as I said before.

Edited by nortones2 on 03/09/2015 at 16:22

Do you have a broker?

As it strikes me, the insurer have had no claim, have not suffered a loss so surely making the car 'Cat B' is a bit premature. While if they paid out the car would perhaps be a B, the description doesn't sound any worse than would occur if you left a window open in a rain storm.

The other question though the OP needs to ask is how does this effect the insurer of the company who had the flood and was originaly going to pay for repairs? Since it's all gone pear shaped anyway, there would be no harm in asking this question, and there must be a modest chance the issue of catagories would come up in their discusions.

Yes, I completely agree with this statement and I shall point it out. This part is getting a little bit too complicated as well.

Originally, the owner of the building (my company rents the office) was going to pay for the damage to my car. However, they have just informed me that I have to claim from my own insurance policy.

This is because the water runs in straight from the road outside and the flood is due to circumstances beyond their control, they also have two water pumps running constantly. They said that they warned people of the risk of flooding in the lower car spaces, so they cannot be accountable for the design of the road.

Ok, I guess this is half true, as there is no sign saying that the car park is prone to flooding, however, the lower car spaces are not even marked and allocated to companies for some reason(this is pretty obvious why). The facts are that I noticed the flooding (as there was noone around who would have been responsible doing this) and alerted everyone in the building, I parked in a higher car space that is marked and allocated to my company, I'm not sure that the pumps were running at all and the whole underground car park had to be emptied (not just the lower section).

Two cars are damaged and written off due to this flooding. Mine and another bloke's car completely sank as he parked very low.

I am sure that the building needed to be signed off at the time of construction.

So, there are three parties who could be responsible for this. The company I work at, the company who owns the building or the local council.

The issue is that my car got written off already by my insurer and the other parties are just pointing at each other. The funny thing is that I dried the vehicle 2 days ago and it is completely functional.

I wish I could just cancel the whole thing.

Edited by rolandka on 04/09/2015 at 08:49