Insurance woes!

10 weeks ago i had the misfortune of meeting a large tractor on a country lane, this meeting resulted in my 90 being a write off.

i reported the incident to my insurance company who then kindly offered me a loan car and then promptly retracted it because they were unsure of who was at fault.

the 90 was then taken away to a garage to be inspected by an engineer which took a week, then it took a further 3 weeks to get a figure from them, a measly 2750 less 400 excess, this was a 1990 vehicle in very good condition with a 200tdi put in to replace the turbo diesel if anyone can find a 200tdi 90 for this price in good condition let me know.

then when i said that this would not be enough they asked me to post examples of vehicles similar to mine, so i found examples on landyzone classifieds and on autotrader and posted them and waited a week ........nothing.

so i called them and they said it had not been recieved so they gave me a fax number so i faxed more examples and waited a week.........nothing .

i rang again "we have not recieved them, what number did you fax them to? .....oh i'll give you the number to the machine downstairs" so i fax again and call straight after "i'll go and have a look, i'll call you back in 5 mins" 90 mins later i call them "oh did blah not call you there on his desk now", so i wait a week.......nothing.

i call again "we are waiting to recieve a fax from you" i say no i got confirmation that it was recieved,so i fax again and a few days later i get a call saying they won't budge on there offer unless i can prove that it has been regularly serviced .

i service the vehicle myself so i have no dealer stamps, luckily the previous owner did so i have a pile of reciepts to send off,

has anyone else had this kind of trouble with insurance or am i just a poor sole that gets put at the bottom of the pile

and what kind of price would you put on a 1990 land rover 90 200tdi sw in good condition?

Thats a right pain... I like the way they "didnt recieve" your fax's all those times - BS.

We will all post our landys on ebay, at £6500 and say they are 1990, 200tdi's that might work. Get yella to make out a load of reciepts from his new garage for ya.

Blimey - which insurance company is that? They sound a right shower - even Adrian Flux weren't that bad when I claimed off of them some years back.

i insured through Lancaster who have "specialist land rover insurance"
and when i call their claims line i get an automated list of about 20+ insurance companys to be put through to.

so i spotted the actual insurers phone number on the back page of my policy (jubilee motor policies at lloyds) and call that, they took details and then i was passed onto "the claims service" who as far as i can see are a completely seperate company.

So Where are these specialists?

i was also told that their researcher could only find one example of a similar 90 . is that Research?

how can they base the value of my 90 on one car, which was probably the same age and nothing else.

i bought the car for £5000 just over a year ago so i was expecting an offer of around 3500 as my research found this to be rock bottom price for a 90 TDI

send all your information via recorded delivery or registered post.
and dont accept their valuation. see them in court if necessary.

I claimed for a stolen car from Bell Direct about 3 years ago - their first offer was derisory (£1,000 less £150 excess) after 3 weeks of arguing I got £3,250 + £100 for the contents that were stolen with it. I was going to advertise the car for £3,500 and probably accept £3,250 - so it was really only my excess I lost out on.

If writing to them doesn't get you significantly closer to the valuation figure you're after - phone them up, speak directly to the person dealing with your claim and don't let them put the phone down until you're satisfied. Worked for me ;-)

Hope that helps,

I have now been contacted with a final figure, Horah!

I posted the full service history by recorded mail before Christmas, and phoned a few days later to check it was received it had been but it had to go to this office then that office then the other then..........blah!

i got the minimum i was going to hold out for, £3500, so i'm pretty happy apart from 3 months without a car.

i'm now on the hunt for a disco, a cheap 200tdi for modding and getting muddy.

Thanks for putting up with my moans

Mat

It just shows you that dont accept the 1st qoute I am with
Adrian Flux I must say the premum I am paying is very good
Just hope if and when I have to claim things will be OK
Glad you are now happy

I have for sale a R,reg Disco 3.9 V8i A. Gased up returns price to price of Diesel 40 MPG it has full service history. off for a the gas system check tomorow it had a new motor in late 2005 with 25,000 miles on new motor new tyres all new brakes the last owner spent 6k since renewing the motor.

Thanks Chipped td5, Quite tempted but i'm only really after a diesel as i'm planning to get quite wet!