Have you had any good insurance payouts on your car

obi_waynne

Administrator
Staff member
Moderator
Points
1,157
Location
Deal, Kent UK
Car
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.
 

Lunchmoney

The Torque Meister
Points
497
Location
Uk
Car
'98 JDM Impreza STI
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.
 

Aerial Andy944

The Torque Meister
Points
537
Location
Sunny South Somerset UK
Car
VW Golf GT TDi 200
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.
 

TCJBOLDIE

Moderator
Staff member
Points
707
Location
Brisbane
Car
2011 Honda FN2
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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