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Charlieccu

New Member

• Sep 5, 2011

• #1

I have a restored on galavanised chassis 1982 SWB Series 3 with 200tdi conversion.. and I took out a policy from Adrian Flux with agreed value of £5000. However at just 16:30 on the day policy began a Calibra pulled out in front of me with the result that the vehicle is a write off.
Now here the tricky bit, I have photos taken in the last three months of Landy which I submitted but as they were not taken after the policy took effect they say...

Unfortunately we are unable to accept the photographs submitted for the Agreed
Valuation as they were taking prior to the policy starting and they do not guarantee
the current condition of the vehicle. We appreciate that due to the incident you are
unable to take any photographs at this time. However, these can be submitted at
any point during the policy so if/when the vehicle is repaired, updated photographs
can be forwarded to us. It is with regret that we must advise that should the vehicle​

be written off then your pay-out may be based on market value only.

Nice!! It seems a mite unreasonable I think, I do have a couple of snaps taken earlier in that fateful day but which I can discuss with them and I have the engineer coming to value the wreckage this week! Any ideas chaps?!!
Thanks!
Charles

 

Pikey

Dummy Ejection Facilitator..

• Sep 5, 2011

• #2

WE heard ya the first time double posting isn't nice..

 

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Charlieccu

New Member

• Sep 5, 2011

• #3

Sorry I didn't realise chaps, just noticed now, will remove immediately!! PC told me I hadn't logged on!

 

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Charlieccu

New Member

• Sep 5, 2011

• #4

How does one delete a thread chaps? Thanks!

 

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IGP50

Active Member

• Sep 5, 2011

• #5

See if insurers will accept a loss adjusters report instead, and if they will then get a quote for a report from an experienced motor loss adjuster and see if insurers will contribute to the cost, even if not its likely to be a fraction of the difference between market value and agreed value.
An experienced loss adjuster will report to insurers on the likely pre accident condition of the vehicle based on what it inspects like now.

 

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Charlieccu

New Member

• Sep 5, 2011

• #6

Thanks IGP50, My solicitor has appointed an independent engineer/assesor/inspector to view the vehicle, I had taken out legal expenses which should help, I hope!