Agreed Value insurance disaster!

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Charlieccu

New Member
Posts
182
Location
Boston, Lincolnshire
I have a restored on galavanised chassis 1982 SWB Series 3 with 200tdi conversion.. and I took out a policy from Adrian Flux with agreed value of £5000. However at just 16:30 on the day policy began a Calibra pulled out in front of me with the result that the vehicle is a write off.
Now here the tricky bit, I have photos taken in the last three months of Landy which I submitted but as they were not taken after the policy took effect they say...

Unfortunately we are unable to accept the photographs submitted for the Agreed
Valuation as they were taking prior to the policy starting and they do not guarantee
the current condition of the vehicle. We appreciate that due to the incident you are
unable to take any photographs at this time. However, these can be submitted at
any point during the policy so if/when the vehicle is repaired, updated photographs
can be forwarded to us. It is with regret that we must advise that should the vehicle​
be written off then your pay-out may be based on market value only.

Nice!! It seems a mite unreasonable I think, I do have a couple of snaps taken earlier in that fateful day but which I can discuss with them and I have the engineer coming to value the wreckage this week! Any ideas chaps?!!
Thanks!
Charles
 
See if insurers will accept a loss adjusters report instead, and if they will then get a quote for a report from an experienced motor loss adjuster and see if insurers will contribute to the cost, even if not its likely to be a fraction of the difference between market value and agreed value.
An experienced loss adjuster will report to insurers on the likely pre accident condition of the vehicle based on what it inspects like now.
 
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