Car stolen insurance value question

garycoyle1

My audi a4 was stolen last monday night theyfished the keys through letter box scumbags!! a week on coming to the belef ill never see my car again ...the insurance company say i have to wait 28 days for claim settlement. But looking at other posts really scared ill be seriously left out of pocket and unable to buy the same spec car it was a 2010 2.0tdi sport it had led front and back cant seem to find same speced car on websites it had 100k miles on it but the lower spec cars having really low asking prices. I had it insured at 17e do u think it will even come close to the value they offer

Atlantic Dawn

If it was insured for €17k and that's the market rate for them you should get in or around that. What you need to also consider is if you see a car at a dealers for asking price of €17k they will likely give a 10-15% discount for cash as you will have no trade in for them to dispose of. So if they give you €17k you could be looking to bargain down cars at €18k-€19k.

visual

Insurance company will decide what the market value is and make you an offer that wont exceed the value you insured car for.
You will have to bargain hard to increase the offer. Look up similar spec milage cars to demonstrate the true value of your car.

To Elland Back

It may be worth appointing your own motor assessor if you are unhappy with the insurers pre-loss value. I also know a firm of solicitors who appoint an assessor and argue for you on these things

Wait and see what is offered before you take any action

goz83

Do as much searching as you can. Make the distinction between your car and the others for sale. Look to the UK for similar cars if you can't find any listed here. Spread the year to a year younger, or older to get more results. Put it all together and present it to the insurance company. It' ahorrible situation to be in, exactly the same thing happened me in 2010. Lovely Singapore 318iSe was stolen from my garden. Keys fished through letter box too.

garycoyle1

Thanks for the advice guys I might go down the accesor route if things don't pan out so well !!! On another note I got a fine today from etoll they went down the m50 last Monday at 1pm the day they took it the cops didn't even notice it was on the system till I told them keep up the good work lads!!

Craftylee

And a top-gear top tip - don't put your car keys anywhere visible and certainly not near your front doors letter box. It's the oldest trick in the book