Have you had any good insurance payouts on your car


Staff member
Deal, Kent UK
A3 1.4 TFSI 150 COD
Has anyone on here done OK or felt fairly treated by their insurers when it came to an accident?

I know the system quite well and I have done OK out of the 3 claims I made. I would say the payout was fair rather than generous but I reckon insurers get a lot of bad press.
I know the system very well (quite literally from the inside ;) ).
So when I was hit in the rear a few years ago I thought I would be ok.

However I got stitched up on my valuation as not a single "professional" engineer could agree that my car was an jap import and much harder to replace "like for like". Even after I gave plenty of evidence to show the value they gave me could not replace my car I could not get any more.

I was forced to use my injury payout (legit injury and the wifelet still suffers 4 years later) to replace my car with the Scooby I have now.
When my 944 decided to spin up it's rears and mate very lightly with a small tree my insurer wrote it off unexpectedly. I wasn't in a good place at the time so accepted the decision although in hind sight I should of fought to get it repaired. Anyway they phoned few days later to say they had valued the car at £4500. I reminded them it had a guaranteed value on the policy of £12000. "Oh, ........... erm we'll get back to you". Took a couple of weeks but they finally found the paperwork and I think reluctantly gave me the agreed value. So glad I got agreed value otherwise I would of been very very out of pocket.
I have my car insured for an agreed value and if in ever happens I also get possession of the wreck.
It is most important to have a record of all modifications noted on the policy as I have the firm belief that the insurance assessor is not my friend should his services ever be needed.

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