Landrover Hit me :(

FDAsh · June 03, 2008, 11:17:04 PM

At least it happened after that though, or you\'d have missed the feature too... Small consolation but you have at least one decent record of its full glory.

It\'s a ****ty situation you\'re in there

yogibear · June 12, 2008, 09:40:21 PM

Had a e-mail from AON today. They turned round and said they ahd never recieved the indipendent valuation of the vehicle when the policy was taken out so the car was on market value only. I forwarded the valuation that Clive had done for the car dated back in March. There email today said after careful consideration they have declined the valuation and the claim well be settled on a market value basis only.

Think the insurance ombudsman is gonna be getting a call cos im sick of the whole thing now. Also AON mysteriously cant find any record of the orgional quote I recievied where I queried what would happen if the car was damaged and the paint couldent be matched to which the reply was that the car would have a full respray.

The only people who have been helpful and got back to me and returned my calls has been the appointed solicitors but they cant give me advice against AON or Royal Sun Alliance. Free legal advice unless theres a conflict of interests.

yogibear · June 17, 2008, 11:31:00 PM

Spoke to the head guy at my broker on tuesday. Asked him how he would feel if I reversed into his car then in 4 months time his insurance company offered him less than half of what it was gonna take to put right. Was a bit of mumbled reply that he wouldent be very happy.

Gave them 14days to settle in full before I start the ball rolling with the insurance ombudsman.

Im saving more than a small fourtune not running the car though lol.

fil_auto · June 18, 2008, 03:11:58 PM

hopefully the result your after then in sight now #;o)

Quote from: yogibear;509517Spoke to the head guy at my broker on tuesday. Asked him how he would feel if I reversed into his car then in 4 months time his insurance company offered him less than half of what it was gonna take to put right. Was a bit of mumbled reply that he wouldent be very happy.

Gave them 14days to settle in full before I start the ball rolling with the insurance ombudsman.

Im saving more than a small fourtune not running the car though lol.

ro284 · June 28, 2008, 06:55:30 PM

How you getting on yogi? any updates or progress?
Good luck,

yogibear · June 28, 2008, 09:29:59 PM

Not really a lot to report. Friday was the two week notice id given to AON and to Royal Sun Alliance to get it all sorted out. Royal Sun Alliance have been talking to me but AON havent.

They have sent me a cheque for Â£4220 but this is not final settlement.

There is quite a bit of confusion at the moment as AON sent me a letter saying that RSA were not preparred to accsept the Agreed valuation and the the claim would be settled on an market value but when I brought this matter up with RSA there man had no idea what they were talking about as its AON that make the agreed valuation decision.

Read out the whole letter to him over the phone to which he said he was going to have to make further enquieries because it didnt make sense and it certainly seams like AON havent been telling the truth to be honest.

Going to be setting the ball in motion for going to the insurance ombudsman on monday.

ro284 · June 28, 2008, 09:33:26 PM

Thanks for the update yogi, just out of interest do they state anything about Agreed value on the policy?

goldk28611 · June 29, 2008, 12:21:59 PM

Just a quick note as this seems crazy to me...

My mate last year crashed his modded Supra all mods declared but had no agreed value on it, long story short, was told that they\'re only giving him 6k, he then declined and went back to them with 3 other cars that were up for sale that were close to the mods that he had and were on sale for around 12k, which he beleived that was the value of his car... they were then chase and hounded and shortly after was given a cheque for 12k....
You may not have an agreed value for the car but as the car is modded and insured as modded they can\'t offer book price as its not a reflection of what is insured, otherwise why declare mod at all?! so should give you what the value of the car is in its current state (before hit)... just need to give them some evidence as they wont go looking for it... Don\'t sell up at 6k, get what the car is worth and from the insurance company. Always go fighting with ammo... try and cover everything they might try and throw at you to get out of what you want/think you should get!

my 2p.... its always easier being an outsider giving advise, and much harder to put in practice... but good luck!

ro284 · July 05, 2008, 12:08:54 PM

Hows it going Yogi? any news?

yogibear · July 15, 2008, 01:08:59 AM

Spoke to my solicitor today and he has reomended I take it to the ombudsman so thats whats happening next. Been trying to get through to the person at AON that I was dealing with but they havent returned my calls that I made surprise surprise. Recieved a letter from AON the other day saying they were looking into what was said when I took out the policy but have been unable to locate anything so far as they were moving offices at the time.

Basically not got anywhere and they have wasted more of my time

ro284 · July 28, 2008, 08:51:46 PM

Sorry to hear of your problems with no resolution as yet, I\'m beginning to wonder if it\'s worth paying extra for an \'agreed value\' it seems meaningless, do they ever cough up!
Hope you can make some progress soon,

Macer · July 28, 2008, 10:00:07 PM

Just read through this thread... What a nightmare!! That\'s a beautiful Rex you\'ve got there (maybe not quite at the mo\', but you know what I mean!). Can\'t believe how long they\'ve been dragging it on for, b******s.

I\'m gutted for you, but I really hope you get it sorted. Keep fighting!!

martinFD · July 28, 2008, 11:24:01 PM

Have you cashed the cheque they sent for Â£4,200?? I have a funny feeling that if you do, then that is taken as acceptance of the compensation offered.

There is a leason to be learned here for everyone. Get everything you require from your insurance company in writing. It is far to easy for them to lose records when it works in their favour!

Sorry for all your hassles yogibear. I\'m not a big fan of those wings you have, but it is still a beautiful example!

yogibear · July 29, 2008, 02:22:40 PM

Thanks for the support guys. No end in sight at the moment. Still ringing up all the time trying badger them in to settleing. Checked with my solicitor and the cheque was not full and final settlement so there was no problem cashing it.

The essence of what they are saying is that they never recieved the agreed value documentation for the policy, they also failed to tell me this untill I was 3/4 months into the claim.

Im gonna be sending clive a message bout this to see if he is able to be of any further help and also to say I dont believe the club should be recomending them in future. When I first signed up with them 3 ish years ago there was a dedicated guy there who knew what you were talking about and rang you back and was generally helpful but the people that ive been dealing with have to have everything explained to them and dont seam to grasp the cost, value, time , effort that has gone into the car.

The way they have delt with my claim doesent make it hard to understand why there are so many fradulent claims made against them.

philiwily · September 03, 2008, 05:28:41 PM

Any updates on this

Phil