shocker
Well-Known Member
- Posts
- 2,038
- Location
- BODMIN MOOR,KERNOW
AS many here know I have had a write off a year for 4 years now so mu insurance aint cheap , but thats only to be expected . Ive been with NFU (like the rest of the farming family) for years now as there is a local ofice to go talk to not a bored chav in a call centre .
I just got me a 1986 RRC V8 perol EFI that has a lot of bits on that will cost a lot to replace . Stainless exhuast , new EP9 winch , split charge , batteries , a bar , lights all new uprated suspension OEM from LR etc etc .
However , they are telling me that they will only value the vehicle at the Glasses price or stated price , whichever is lower ,....Glasses obviously . That or get an "Agreed Value" from a local specialist (not a problem for me to get) but that their underwriters will be unlikely to give me a policy on these terms .
I dont use the vehicle for work , I am disabled and live on bodmin moor . I often have to winch myself up the lane to get me or a family member to hospital as ambulances cant get to us . Also , the winch means I can go caravanning at rallies again without help .
Seeing as I am in dispute over my ES premium 1998 that was lovely with loads of extras that they will only pay out £3k on even though its not replaceable , demonstrated many times , and which had ALL the contents stolen by their handling agents when I insisted that the vehicle be taken to my own secure yard , on the way to the pound (it wasnt).....I am a little wearied about not being paid out on all these upgrades and extras that I ALWAYS declare to them from the very start .
Four times now I have had this , being paid out bottom book money for a top rate motor , being told , look , theres a D1 in Orkney for 1100 quid !
How does this Agreed value thing work ? For someone with zero no claims ?
Go elsewhere , you may say...tried that , call centre chavs once you get past the promised "personal attention" at front desk .
Does anyone have any constructive advice or experience here . Of course humour is appreciated but some a LITTLE above some of the poor quality stuff we have been getting of late would be nice...
thanks for your times guys and gals
I just got me a 1986 RRC V8 perol EFI that has a lot of bits on that will cost a lot to replace . Stainless exhuast , new EP9 winch , split charge , batteries , a bar , lights all new uprated suspension OEM from LR etc etc .
However , they are telling me that they will only value the vehicle at the Glasses price or stated price , whichever is lower ,....Glasses obviously . That or get an "Agreed Value" from a local specialist (not a problem for me to get) but that their underwriters will be unlikely to give me a policy on these terms .
I dont use the vehicle for work , I am disabled and live on bodmin moor . I often have to winch myself up the lane to get me or a family member to hospital as ambulances cant get to us . Also , the winch means I can go caravanning at rallies again without help .
Seeing as I am in dispute over my ES premium 1998 that was lovely with loads of extras that they will only pay out £3k on even though its not replaceable , demonstrated many times , and which had ALL the contents stolen by their handling agents when I insisted that the vehicle be taken to my own secure yard , on the way to the pound (it wasnt).....I am a little wearied about not being paid out on all these upgrades and extras that I ALWAYS declare to them from the very start .
Four times now I have had this , being paid out bottom book money for a top rate motor , being told , look , theres a D1 in Orkney for 1100 quid !
How does this Agreed value thing work ? For someone with zero no claims ?
Go elsewhere , you may say...tried that , call centre chavs once you get past the promised "personal attention" at front desk .
Does anyone have any constructive advice or experience here . Of course humour is appreciated but some a LITTLE above some of the poor quality stuff we have been getting of late would be nice...
thanks for your times guys and gals
