SAAB 9-3 Convertible - insurance wright off

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Fri 1 Oct 2010 12:33
SAAB 9-3 Convertible - insurance wright off - lordloopy

i have a 56 plate 40000 miles diesle saab thats a completly burnt out from a garage fire.

owned from new and was in immaculate condition.

insurance first offerd £10k now offering £12k .

same spec & milage car at saab dealer is £13750

i don't think it's unreasnable to expect the amount it would cost me to walk onto the forcourt and replace my vehicle so i am no worse or better off than before the fire.

can anybody enlighten me.

many thanks

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Fri 1 Oct 2010 13:05
SAAB 9-3 Convertible - insurance wright off - Paul G1pdc

We knew a lady who had fiesta involved in an accident. front and rear damage..right off. car was bought new by her parents then passed down to her, was 4 years old with 30k and full ford history.

she was offered about 2k less than ford dealers had the same age and milage cars.

when complained was put in, she was told that if you bought a car from a dealer it would come with a warrenty etc etc and put you in a better car than the old that had been totalled. Hence the money offered was for a private sale car. she also took the second offer for her car after providing the insurance company proof that her car was worth more than the first offer...ie prices from autotrader and local paper...

paul.

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Fri 1 Oct 2010 16:03
SAAB 9-3 Convertible - insurance wright off - bonzo dog

The object of having insurance is to put the claimant in as near as damnit the same position as they were immediatly prior to the loss.

Thus they should be giving you what it would cost to buy the same make & model of the same age & with a similar mileage. Initially this should be based on Glasses Guide retail value but as I'm typing this neither of us know what this is.

So, ask a friendly SAAB dealer if he will give you this info (tell him you are looking to replace a write off & will happily consider his stock first); also look at Autotrader for prices to see if these are about the same.

Then, ask the insurance co (assuming they are still out of bed on the valuation) for a written explanation where they have derived their valuation from. Tell them you will be going to the insurance ombudsman if they don't play fair.

On the other hand, don't forget that a main dealer's forecourt prices will be priced to include an "over-allowance" on a customer's PX. You don't have one so won't be paying the forecourt price

Good luck

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