Crashed my gti in spectular style

[monkeyalan]

mate, thats sh!te on 2 counts .

1 for the crash and 1 for being shafted by the insurance.

you may aswell have not had any cos they'd have only fined you about £4.87 judging by what people seem to get find nowadays.

[Unfinishedgolf]

Yeah mate thats what i was thinkng too, apperently if your insured with this company and you have an accident the remainder of the premium instantly becomes payable which because i crashed my car 18 days after taking out policy i owed 840 odd quid plus my 500 quid excess and they told me it was worth 1200 quid (that was their 3rd valuation). So when they deducted my excess i got 700 quid which i could not replace the car for but would cover how much i spent on my CC to buy so ithought great job done.

Imagine my surprise after an e mail told me 840 quid would be deducted from my cheque and the rest would be due in full and final payment. If i cancel the policy i will not get a refund, so my 18 day golf stint cost me 1400 quid in insurance as well.

To add insult to injury when i crashed the car we walked to my mates house to get his landrover to pull it out and get it moved so i could strip it and get some money back, whilst we were gone (max 10 mins) my stereo was stolen and my insurance wont pay out because the car wasn't locked.

Just as we were about to shift it the bob's came along and deemed it unsafe to tow. Which did not help either.

[Simpson]

so unlucky mate, that is awful change companies, and there will be a better car out there. 

[vwjack]

tell them to fu*k off and dont give them sh!t. unlucky mate glad your ok . poor old beast" car".

[R98 HUF]

Sorry to hear this really feel for you, but it does state as i had pointed out to me in the past that upon 1st claim insurance for the year (only in 1st year with company i believe is due in full)   However you can get another car now on same policy for the rest of the year

Good luck

[dubsport]

man id cry if that was my car ... bloody country roads eyh!?!

[Organisys]

can you buy the car off them, break it  and sell what u can for some cash?

[Unfinishedgolf]

Right,  i cant afford to pay them off and get another car so keeping the policy is pointless. The car is a CAT B so i cant buy it back and has actually been crushed NOT broken for spares. Im gutted as you can imagine some of my personal belonging were in the car and i wont see them either.

[VW_valver]

Are you positive its been crushed now? As insurance companies still sell Cat B write offs to breakers as 'Breaker Only' vehicles. If it hasnt been crushed maybe it would be a good idea to get a friendly scrappy to buy it on your behalf and you give them the money for buying it.

Cat A write offs are the only ones that cant be bought as they are deemed useless to everyone.

Cheers,
Andy

[Unfinishedgolf]

Last week i was told it was crushed, i asked about my belonging and if i need to send them reciepts for the stuff in it to claim it back. This week it is sat in a compound waiting for a settlement!?!

I got a lovely letter off them today too asking where the car was on the 4th of august (why did it take soo long to ask?)because they were told it was in my possesion and if it was then i may have to pay some of the storage charges!?! Think they are trying their hardest to get away with paying me the absolute minimum, mainly because of the reciepts that are in the car detailing the 1k i spent on it in about 3 weeks to get it to look like that. Im currently pursuing a few places to see if i can get duplicates etc.

Does anyone know about cover on modifications? i have cover for 1500 quid respray backed up by a reciept, obv. i paid extra on premium to have that. How much of that should i expect back? and is that on top of the price of another car, or how does that work?
At the moment i am tempted by getting some legal advice, because they seem to be refuseing to pay out without trying to charge me more for a better pay out.