I apologise unreservedly as some of my comments were getting personal and were uncalled for and made in the heat of the moment. Nobody likes bad news. Could you answer me one question though as I have reviewed all the posts and have not yet had the answer. many people have commented without fully reading my posts. i am not demanding anew car from my insurer. What i would expect is that the settlement figure would be sufficient to enable me to buy a replacement of similar age spec and mileage whether that be 1st 2nd or 3rd hand. You say I should get what it is worth. How is that calculated. I would expect it to be based on the price I will have to pay to replace it 'like for like' not necessarily new. I also expect to recover, albeit by my own efforts the additional losses I incurred from the 3rd party responsible e.g. the cost of hiring a car for my holiday which i would otherwise have to cancel.
Just a thought Tekky Have you tried posting your problems and questions on a petrol head site like Honest John. The address is http://www.honestjohn.co.uk/forum/threads.htm?f=2 There's some seriously knowledgable people post on there - knowledgeable in the motoring sense that is - There's also plenty of people that are that into all things motoring that it is quite sad really - but I suppose it's only like us posting on here. Perhaps I'm the one that's really sad as I've used both. (clown) Just be wary of one thing - the board is moderated to death so be wary of your language or your post will be removed.
Moderated to death! Now there is a thought..... The other possibility is an email to "Honest John" himself, he is a car dealer who does a Q and A session in the torygraph. I dropped an email to him once and got a helpfull reply almost by return
no probs they calculate it on the following and contrary to popular opinion most major insurers do not just use a book price, they use it as a guide: age condition mileage number of owners any extras on the car as your car is a total loss they should send an engineer out to view the condition of the car. they do this to check the exact condition mileage etc and to make sure your car is as you declared it was (no undeclared mods etc). they then give you an offer based on these. you are well within your rights to reject their offers until you are happy but after a couple of rejections they may just say this is our final offer. if you're then not happy you can take them to court, tho you will need to pay for the solicitor and it is done under english law. depending on the circumstances, your family legal cover on your home insurance may help with the cost. you will get a decent pay out as your car is nearly new. it's just a huge shame that you won't get a brand new replacement because of what the garage has done.
