My car broken into and burned out

tv3

Hope i post this in the correct forum.
My car was broken into last night outside a pub i went to.I drove to the pub thinking i was going to have a coke but ended up having a few beers so obvisiously left the car there.
When i went to get my car today it was burned out.Basicly destroyed.I cant believe this has happened.I rang the guards and my insurance company and am waiting to hear back.
Can anyone help me in explaining what will happen now?

DUBLINHITMAN

tv3 wrote: »

Hope i post this in the correct forum.
My car was broken into last night outside a pub i went to.I drove to the pub thinking i was going to have a coke but ended up having a few beers so obvisiously left the car there.
When i went to get my car today it was burned out.Basicly destroyed.I cant believe this has happened.I rang the guards and my insurance company and am waiting to hear back.
Can anyone help me in explaining what will happen now?

just wait for the insurance to come through ,
if your fully comp you should get a replacement car ,
,i hate hearing this kind of stuff fookin scum pig c**ts

and you doing the right thing NOT drinkin and driving ,

tv3

Ye mate i have fully comp.I have finance on that car also cant believe it

Gumbo

tv3 wrote: »

Ye mate i have fully comp.I have finance on that car also cant believe it

insurance company will investigate it to ensure it wasnt an "inside" job

they will check for cctv etc etc which may delay the claim process but they are checking everything now because of the amount of car "thefts" and cars disappearing.

hope you get sorted ASAP.

ball

With most insurance co's, that won't effect your No Claims and you won't have to pay an "excess".
You'll have to ask the insurers what you're entitled to (car hire etc.)

tv3

And what will happen about replacing or getting a new car??

Hope this goes quick

ball

They probabaly will investigate as kceire says.

But if everything gets smoothed over with them, they'll offer you what they think the car would have been worth before it was burned out

DUBLINHITMAN

i had to wait nearly 3 months similar thing...
just dont have your hopes up for getting it sorted asap ,
hard to do but forget about it its money in the bank ,

tv3

DUBLINHITMAN wrote: »

i had to wait nearly 3 months similar thing...
just dont have your hopes up for getting it sorted asap ,
hard to do but forget about it its money in the bank ,

What ya mean money in the bank?taught they would just replace the car...

tv3

ball wrote: »

They probabaly will investigate as kceire says.

But if everything gets smoothed over with them, they'll offer you what they think the car would have been worth before it was burned out

And were do they get there prices?

brian ireland

tv3 wrote: »

And were do they get there prices?

Not to sure if this is correct but I believe every car has what's called the book price. It a guide garages and insurance companies use to value cars. Say your car is worth "book value" 10 grand and you insure it for 40 grand. If you are getting paid by the insurance company they will only give you the book value 10 grand.
Think this is true.

tv3

Ok cheers il wait and see what they say anyway

ball

brian ireland wrote: »

Not to sure if this is correct but I believe every car has what's called the book price. It a guide garages and insurance companies use to value cars. Say your car is worth "book value" 10 grand and you insure it for 40 grand. If you are getting paid by the insurance company they will only give you the book value 10 grand.
Think this is true.

Yeah, this is right.
Although, sometimes they will offer to try source a similar car for you.
If your car is '09, '08 and sometimes '07 reg, they might get you a brand spanking new one

CharlieCroker

Did the Gardai take the car?
It's criminal damage by fire (Arson) so the Guards will have a technical examination done on the car to try to get some evidence. The insurance co will prob be looking for a copy of the exam report too.
A lot a fraudulant claims happening at the moment so they're looking at everything very carefully

congo_90

sorry to hear about that op. I had my car broken into and around the corner is a golf (98/00 model) burnt out. I hope you get the claim sorted. I just got a settled cheque today for mine but it doesn't cover all the damages!

L-M

Sorry to hear OP.

TBH, I'd say with the amount of repossed cars the banks have, you could end up having something similar dropped of to your door rather than cash to buy a new one. Here's hoping everything works out.

tv3

congo_90 wrote: »

sorry to hear about that op. I had my car broken into and around the corner is a golf (98/00 model) burnt out. I hope you get the claim sorted. I just got a settled cheque today for mine but it doesn't cover all the damages!

What did it not cover?

Darragh29

CharlieCroker wrote: »

Did the Gardai take the car?
It's criminal damage by fire (Arson) so the Guards will have a technical examination done on the car to try to get some evidence. The insurance co will prob be looking for a copy of the exam report too.
A lot a fraudulant claims happening at the moment so they're looking at everything very carefully

Bummer OP... What area did it happen in?

furtzy

Have insurance companies started offering replacement cars? Usually you just get the Glass's guide book value. You can sometimes argue a slightly higher figure as their first offers are usually low

paddy 1916

nothing can be done...i had the same prolem

Random

The insurance company will probably pay the finance company and not you, as they are the owners of the car.

Kimbot

Random wrote: »

The insurance company will probably pay the finance company and not you, as they are the owners of the car.

I also think this is the case.

tv3

It happened in dublin.

My car had a value of about 8k a month ago but the finance still has 12-13k on it so dont no how it will work

confuzed

tv3 wrote: »

It happened in dublin.

My car had a value of about 8k a month ago but the finance still has 12-13k on it so dont no how it will work

keep updating for future reference. you never know who is next.

tv3

confuzed wrote: »

keep updating for future reference. you never know who is next.

Ta

jimmycrackcorm

tv3 wrote: »

It happened in dublin.

My car had a value of about 8k a month ago but the finance still has 12-13k on it so dont no how it will work

They'll only pay out what the market value is. You should get the 8k to buy an equivalent.

tv3

jimmycrackcorm wrote: »

They'll only pay out what the market value is. You should get the 8k to buy an equivalent.

What about if i go to a main dealer and ask him to give me the value of the exact model etc ??Obviously a main dealer will be more..

S.I.R

was your car parked beside any vans or anything ?

my dad had his van broken into a few years ago and torched, but their was several butane tanks in the back so both cars either side got burned also...


they couldn't get the van itself driving so they burned it out ! - Took his trade when they done it... the tool in the back where actually worth more then the van, but thats how life goes i guess.

tv3

S.I.R wrote: »

was your car parked beside any vans or anything ?

my dad had his van broken into a few years ago and torched, but their was several butane tanks in the back so both cars either side got burned also...


they couldn't get the van itself driving so they burned it out ! - Took his trade when they done it... the tool in the back where actually worth more then the van, but thats how life goes i guess.

No it was on its own...just dont no were i stand as replacing my car etc

S.I.R

tv3 wrote: »

No it was on its own...just dont no were i stand as replacing my car etc

any cameras in the pub parking lot or buildings looking at it ??


your insurance will cover you, just got to snap up a recession bargain now

mik_da_man

Ring your insurance company - Now
They will tell you what you are entitled to
If the car is less than one year old you may have a clause in which you get a replacement.
If not then you may be entitled to car hire for a period of time.

Your insurance company are the only peple who will be able to tell you.
It should be on your policy too - give it a read.

Oh and sorry to hear what happened - was it just torced where u left it?

tv3

S.I.R wrote: »

any cameras in the pub parking lot or buildings looking at it ??


your insurance will cover you, just got to snap up a recession bargain now

No no cameras in car park:mad:still cant believe it.Paid 15k a few ago and still about 13k on finance so wont get near that back

tv3

mik_da_man wrote: »

Ring your insurance company - Now
They will tell you what you are entitled to
If the car is less than one year old you may have a clause in which you get a replacement.
If not then you may be entitled to car hire for a period of time.

Your insurance company are the only peple who will be able to tell you.
It should be on your policy too - give it a read.

Oh and sorry to hear what happened - was it just torced where u left it?

Its 2005 and i can geta hire car for 2 weeks but the gardai told me it will take more than that to sort out.Wouldnt normally leave it were i left it ,but the brother was staying over so he parked in my space

mik_da_man

Well I would take the car hire anyway for as long as you can.
Have a look on carzone for similar cars so you know what to expect when the Ins Company ring.
And remember you can reject their offer and hold out for a higher one. I've heard of this working.
Apart from that you may have to get the bus for a while - or try to buy something cheap to get you around.

Hope it works out for ya

tv3

Cheers mate