Insurance claim - they are xxxxx

Short story - i was rear ended recently and the insurance company decided to write my car off as beyond economic repair.


They sent out an assessor, and they examined my car, then phone me up and said it's beyond economic repair and the value of the car is X, but the salvage value is Y which is 100 so if i want to keep the car i be entitled to X - Y


Assessor came out on Tuesday 27th Jan and a few days later contacted me and told me the above.


6th February Insurance company contacted me and said Pre Accident Value is X and Salvage is 321.00


I queried this and was told the salvage company name and phone call, but when i looked them up they are a VAG salvage company and when i phone them up they said they don't accept BMW's as they only accept VAG's


Rejected the insurance company offer, my car is a MSport which very few are available for sale here, but i saw a SE for sale which is 2k more them what the insurance company offer is.


I sent an letter to the insurance company with a copy of the above SE car and said an MSport is more expensive and this is a SE car, but Msports are available in NI and the UK and the cost would be xxxx including vrt and fx conversion etc.


I also asked for a copy of the engineers report detailing how they have valued my vehicle vehicle, i'm entitled to this as they inspected my vehicle in relation to the claim and also under Data protection act, i have the right to see “ANY” information that relates to you. i told them that i have no issue with them blanking confidential rates and discounts , but they must release the engineers report to me.


Got another letter yesterday from the insurance company, offer was 225 more :pac::rolleyes:, when i asked what guide did they use to value my car, i was told a car site, and that a model similar to my one was sold in JANUARY 2019 and this is what they are using :pac:, but i gave them a SE that is currently being sold and they ignored that as its more expensive.


I was asked if i was VAT registered, and i refused to answer that question and asked them why they want to know if i am VAT registered, was told that if i accept there offer it be net of VAT bla bla bla,



Asked them for a specific section of the VCA;s that they are relying on as i can give you the Section of the VAT acts that says you can't claim VAT back on insurance awards as no supply of service took place, and they retracted the VAT statement them.


A common excuse insurer’s come up with is ” we will not pay the vat on the estimated cost of repair” and in doing so offer you 23% less than you are entitled too.


This is COMPLETELY WRONG!, Any insurance claim is a “compensatory amount” and is not subject to VAT, the fact they use repairers that are vat registered is not your fault. Whether it cost €1000 to repair your vehicle at repairer a repairer who is not vat registered, or €1000 at one who is makes NO difference to you as the consumer.


I'm not looking for advise on what make is your car or what yr is your car, bla bla bla as that is totally irrelevant, i am just posting this to show you my experience with insurance companies.