bought a astra active 9 mths ago 4 12 grand(new) wrote it off now insurance said they will give me half that?

Question

i only done 10,000 miles can insurance do that

Answer 1

Years ago they would have replaced your car at its full value if it was under a year old, now I suspect they are only interested in their shareholders profits !!

Answer 2

I appreciate what the others are saying, but usually reputable insurers will replace your car for another new one if it is under 1 year old.

Re the mileage, well normal is 12k per year, did you give them your approx yearly mileage when you took out your insurance policy with them.? Giving you half the value of your car which is only 9 months old is harsh, argue the toss, especially if you have been with them for quite some time. I think if you have words in their ears then they may have a change of heart. This has happened to people before and they have had a go and got a more acceptable result, just remember insurance companies will try their best to pay out as little as possible.

The insurers should supply you directly with a brand new car, also dont forget that they dont pay full whack for a replacement as they get dam good discounts possibly from the makers direct, so if you were about to settle for say 9k and they did offer you that amount without arguing the toss, then stick to your guns m8, they are not going to lose a customer for 3k or less, ask them to replace the car directly rather than sending you a cheque, they will try and wear you down, just be strong m8, I am 100% sure you will either get a replacement car as yours is less than 1 year old, or you will get more than 9k you just hang in there m8.


Just remember this, if they offer you around 9k then you know for sure that they can supply you with a replacement for the same amount or pretty dam near, this is why I am dam sure you will get a replacement.

Please let me know how you get on, I will be very interested to hear your outcome.

Good luck m8

Jimmy Disabled Scottish gentleman living in Essex England.

Answer 3

The insurance company's figure is based on the price you should expect to pay for a 9 month old car with 10,000 miles on the clock. You don't get new for old with car insurance.

Try a few online car sites and see what you can find. If prices are higher than they've offered on like for like, print out the screens, send them to your insurance company and ask them to make a better offer.

Answer 4

Get down to your vauxhall dealer explain the situation they should be able to value your car (as it was)

Next get onto your insurance company...your car is definately worth more than 6k, a friend recently changed her car which was an 15 month old astra and she got 8k for it! Haggle with them, say your not happy etc etc

Another idea is to go to citizens advice as they will be able to help you out more and know the law better than you!

If its on finance, were you sold gap insurance?! this basically pays out the difference between how much you own on finance and how much the insurance company give you.

Keep hassling, you'll get somewhere with them eventually!

Answer 5

Best thing to do is go to a car dealers and find a similar car to yours, that΄s priced similarly to yours, and take pictures of it showing the price, then get back in touch with your insurance company and tell them that you will not accept there offer, as it would cost you more to replace you car, and send them copies of the car with price attached, and see what they offer instead.
If you still get no joy take legal advice, they must give you full market value for your car, otherwise insist on having your car repaired, but be careful though as you will probably find that you insurance policy will leave the final decision to the insurance company, best to nip to your local citizens advice though just to be on the safe side.

Answer 6

Remember that cars depreciate in value very quickly. They've insured you for the cost of replacing your vehicle, but they'll only give you what they think it will cost to buy a 9mth old Astra.

Answer 7

If you got a courtesy car while the claim is being sorted refuse to give it back. Tell them that to replace your car with like for like it will cost x amount. Use prices of similar cars in local garages as leverage.

As long as you have the courtesy car the more likely the insurance company will give you a better deal. Its costing them approx £120 a week to leave it with you.

If you let me know the age, spec and mileage of the car I'll check glass's for the trade price and the retail price for you.

Answer 8

Sorry, it's worth at time of loss and will only normally give you bottom book price. Try an independant LOSS ADJUSTER, as an INSURANCE ASSESSOR works for the company and won't give their/his money away. Nother idea - Drive safer, ooops sorry but it does help !!! Joking apart, good luck, huge firms to take on, tread carefully. A.B.

Answer 9

welcome to the real world!!! insurance companies Will do what ever they can to pay as little as they can out in claims. if you can prove that the current value of your car is much more than they are willing to pay and you Had full cover then i would recommend you seek legal advice as they will soon up there offer if you have a good solicitor behind you

Answer 10

Typical F*ck insurance company you know How much is is it worth?
You tell them, car gets wrote off and they only give you what they THINK IT'S Worth. I had a smiler problem I had on on finance and when mine was wrote of I had to Find 2 Thousand pounds.
Because they would not give me any more money.

If you ask me the They are the biggest Basta**'s on the planet, There the biggest rip off merchants going.
Sadly they can however you can ask them to come back with another offer.

BUT DON'T BANK ON IT!.

Good look.