Guest Omar.mahmood Posted October 16, 2009 Share Posted October 16, 2009 Hi Guys, Basically the story is i have been involved in a non-fault accident 2 months ago, after doing all the chasing up, contacting sky insurance and qbe they offered me a price of £2000, i told them im not accepting the offer whatsoever, they told me they will look into it again but they just sent me the cheque through the post for £1800 after deducting exceess. I rang them up they said to get quotes from pistonhead, auto trader etc and send it back to us. I have looked up,as the n/a manual supra are rare only found 1 car which is priced at £5495 on piston head. the car i have is an M reg, toyota supra, manual, veilside bodykit, bodywork in excellent condition,been resprayed recently, first owner since it arrived from japan 4 years ago. so i was wondering if theres any places i could recieve quotes from. even if i had to pay for quotes i would would br much appreciated if anyone could help, just devastated the amount they offered me kind regards Omar Quote Link to comment Share on other sites More sharing options...
jackso11 Posted October 16, 2009 Share Posted October 16, 2009 What price had you insured the car for in the first place? You must have told them how much it was worth when taking out the insurance. The respray won't change what its worth by much, neither will the kit, but sounds to me like you should be looking at between £4k-£4.5k. Just send them printouts of some on autotrader that are similar or some ads on here along with what you found on piston heads. They should be paying you what it costs to replace, not what they think it is worth. Quote Link to comment Share on other sites More sharing options...
Gaz6002 Posted October 16, 2009 Share Posted October 16, 2009 find adverts from here. The first offer is always low... go back and ask for double. Quote Link to comment Share on other sites More sharing options...
TopgunTT Posted October 16, 2009 Share Posted October 16, 2009 I'm afraid people will get this problem when making a claim unless they have agreed value. Quote Link to comment Share on other sites More sharing options...
martini Posted October 16, 2009 Share Posted October 16, 2009 This is why insurance annoys me... we have to be insured by law, yet there seems to be no benefit to us (unless it's your fault when you do something). Quote Link to comment Share on other sites More sharing options...
Scott Posted October 16, 2009 Share Posted October 16, 2009 For a non-fault claim it doesn't matter what your car is valued at on your policy. Your car is worth whatever it will cost to replace it. Get as many ads from the classifieds etc and send them off to them. I would say 4-4.5k anyway. I'm curious though, why are you being charged an excess? Surely the 3rd party in the crash is taking care of the bill? Quote Link to comment Share on other sites More sharing options...
Safely Insured Posted October 16, 2009 Share Posted October 16, 2009 Have you involved us in this? This sort of query would usually be brought to my attention. Please PM me your details Thanks Quote Link to comment Share on other sites More sharing options...
mobsta_01 Posted October 16, 2009 Share Posted October 16, 2009 I'm curious though, why are you being charged an excess? Surely the 3rd party in the crash is taking care of the bill? You always have to pay excess, even if it's your own fault. The idea is to claim it all back from the third party that you are claiming against. Quote Link to comment Share on other sites More sharing options...
DODGYDODDS Posted October 16, 2009 Share Posted October 16, 2009 as said send in some ''realistic advert prices'' You pay a premiium for cover at a set value of cover, then when the unfortunate happens they offer you whatever they want, whilst ever increasing the yearly rates. If only you could say to a insurance agent when they say thats 500quid pls, hang on how about i offer you 200. Quote Link to comment Share on other sites More sharing options...
Scott Posted October 16, 2009 Share Posted October 16, 2009 You always have to pay excess, even if it's your own fault. The idea is to claim it all back from the third party that you are claiming against. So your own company normally pays out and then claims from the other one? I always thought the money came direct from the other insurance company when it was a non-fault accident. Why on earth would your own insurance company be arguing about the value of the car? Its not them thats having to pay for it. Doesn't make sense to me. Quote Link to comment Share on other sites More sharing options...
TopgunTT Posted October 16, 2009 Share Posted October 16, 2009 Doesn't look good for sky. Quote Link to comment Share on other sites More sharing options...
martini Posted October 16, 2009 Share Posted October 16, 2009 I thought, if some one smashes into your car whilst it's parked or waiting at traffic lights and it's in no way your doing - they pay the cost (through insurance). What happens if they are not insured? It's a funny old world. Usually insurance is not something I bother with, but obviously I have to for the car. Quote Link to comment Share on other sites More sharing options...
mathew Posted October 16, 2009 Share Posted October 16, 2009 So your own company normally pays out and then claims from the other one? I always thought the money came direct from the other insurance company when it was a non-fault accident. Why on earth would your own insurance company be arguing about the value of the car? Its not them thats having to pay for it. Doesn't make sense to me. im currently in the process of a claim against another driver for driving into me when i was stationary at some lights. my insurance company have been brilliant. ive got a new saab convertible hire car to use whilst my supra is away for repairs. they originally sent me a fiesta but i kinda had a moan about that and my insurance company's attitude has been more or less have what you like as we are claiming it all back from the other driver's insurers. Quote Link to comment Share on other sites More sharing options...
steady_dave Posted October 16, 2009 Share Posted October 16, 2009 (edited) Have you involved us in this? This sort of query would usually be brought to my attention. Please PM me your details Thanks It's the only way forward really, but I would like to know the outcome. I'm almost 23 (the minimum age you can get insured with SKY) and would like to know how they handle the claim from here on out, especially when they are the club insurers! Edited October 16, 2009 by steady_dave I can't spell today! (see edit history) Quote Link to comment Share on other sites More sharing options...
Scott Posted October 16, 2009 Share Posted October 16, 2009 im currently in the process of a claim against another driver for driving into me when i was stationary at some lights. my insurance company have been brilliant. ive got a new saab convertible hire car to use whilst my supra is away for repairs. they originally sent me a fiesta but i kinda had a moan about that and my insurance company's attitude has been more or less have what you like as we are claiming it all back from the other driver's insurers. Thats the way i have always understood it to be. Quote Link to comment Share on other sites More sharing options...
stevie_b Posted October 16, 2009 Share Posted October 16, 2009 I'm just speculating, but the excess thing could be due to the other party not having admitted fault for accident yet. Unless the other party admits liability, then it's a kind of stalemate (which can last for months) until liability is decided. Until that point, both sides have to pay for their own repairs. Quote Link to comment Share on other sites More sharing options...
Scott Posted October 16, 2009 Share Posted October 16, 2009 I'm just speculating, but the excess thing could be due to the other party not having admitted fault for accident yet. Unless the other party admits liability, then it's a kind of stalemate (which can last for months) until liability is decided. Until that point, both sides have to pay for their own repairs. Thats basically what i was hinting at. The "non fault" part of it seems merely an opinion. Quote Link to comment Share on other sites More sharing options...
Guest Budz86 Posted October 17, 2009 Share Posted October 17, 2009 I'm just speculating, but the excess thing could be due to the other party not having admitted fault for accident yet. Unless the other party admits liability, then it's a kind of stalemate (which can last for months) until liability is decided. Until that point, both sides have to pay for their own repairs. This does sound like the case tbh. You have one of two options when claiming for something not your fault. First you can claim through your ins co. and pay the excesses, then claim it all back from the other party (PITA), or second you can let their ins co deal with it and not pay a penny (except maybe the refundable deposit for the replacement car). This has happened to me three times now and the second option is far less hassle. Give your details to Oly at sky and ask him to have a look into it all for you. Quote Link to comment Share on other sites More sharing options...
Guest Omar.mahmood Posted October 17, 2009 Share Posted October 17, 2009 much appreciated with the feedback i have received from you guys, thank you... what actually happened was i approached a roundabout, stoped for the cars to go pass, it was raining heavily then suddenly got hit from behind... I have been told from my insurer QBE that i could claim back my excess from third party(God knows when)... I also have been told from the broker Sky insurer that i could claim back my premium but as you see the situation is kind of complicated and a mess because i'm having to deal with broker sky insurance and QBE seperate. Basically it feels like im dealing with 2 separate companies.No courtesy/hire car has been offered since the accident.I have personaly been making all the calls to insurer QBE and Sky insurance for da past 2 months. its a headache tbh + im studying quantity surveying and the stress gets even worse. As Budz86 said, ill be giving oly at sky my details see what happens from there. and ill also be sending a letter to insurer obv that am no happy with the offer with couple of quotes and there cheque back to. i will rather have the car back instead of the £1800 cheque QBE have sent me. Quote Link to comment Share on other sites More sharing options...
gaz1 Posted October 17, 2009 Share Posted October 17, 2009 jeez i thought the idea of a broker was to help sort out claims to make things easier or am i missing something here:blink: one of my cars policies is due next week with sky, starting to wonder if there is a point in going to a broker now:rolleyes: Quote Link to comment Share on other sites More sharing options...
mathew Posted October 17, 2009 Share Posted October 17, 2009 what actually happened was i approached a roundabout, stoped for the cars to go pass, it was raining heavily then suddenly got hit from behind.... any injuries? Quote Link to comment Share on other sites More sharing options...
stevie_b Posted October 17, 2009 Share Posted October 17, 2009 Omar, I would think it should be you that liases with Sky (only) and Sky who liases with both you and QBE. Sky as the broker should AFAIK act as the middle-man. In this case, it might be easier to carry on as you are though. Changing the points of contact halfway through a claim can only add to the confusion. Quote Link to comment Share on other sites More sharing options...
Branners Posted October 17, 2009 Share Posted October 17, 2009 Have you involved us in this? This sort of query would usually be brought to my attention. Please PM me your details Thanks Worth bearing in mind they are not a paid up member of the club. Would be interesting to see if they have got the club discount on their insurance as well. Quote Link to comment Share on other sites More sharing options...
Guest Omar.mahmood Posted October 17, 2009 Share Posted October 17, 2009 jeez i thought the idea of a broker was to help sort out claims to make things easier or am i missing something here:blink: one of my cars policies is due next week with sky, starting to wonder if there is a point in going to a broker now:rolleyes: wish things were easier,just gutted mate. Admiral are well good. i've had the front bumper reversed into by a third party, gave admiral a call, got to the garage, signed a paper next day a BMW 330 delivered to my work, had the hire car for three months and Admiral did all the case handling. there good in price to.... Quote Link to comment Share on other sites More sharing options...
Guest Omar.mahmood Posted October 17, 2009 Share Posted October 17, 2009 Worth bearing in mind they are not a paid up member of the club. Would be interesting to see if they have got the club discount on their insurance as well. i'll PM him my details tomorrow, see how the situation is handled and obv i'll let you guys know to Quote Link to comment Share on other sites More sharing options...
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