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Unhappy Bunny!!!


tjambarker

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Hi all

 

Although it's not confirmed yet I'm 99. 9% sure my van has been written off. I can't see the insurance company paying out £9,500 to repair a 5 year old caravan. Trouble is I can't seem to find a worthwhile replacement for it. Since the accident I've trawled all the dealerships within a 75 mile radius and can't find anything to replace my XL Typhoon. It looks like all the dealerships in the area have run their stocks down to an absolute minimum.

 

Having said that I'm not sure the lack of stock is the whole problem I can't seem to stop comparing the "stuff" I see with what I had and drawing the conclusion that I preferred what I had. Has anyone else suffered this problem? Does anyone know of a good year 2k Elddis XL Typhoon within a 150 miles of North Devon? The only alternative I've seen that I might consider is a Bailey Pageant Champagne. Again does anyone know of a good 2000/01 one within 150 miles of North Devon?

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Have you checked out this website?

 

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Thanks. I Have already checked out all the stuff in the local area.

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You could wait until the end of caravan season. this is when people put their vans in for part ex on the new models and dealers second hand stocks rise. Also, you are in a good position as you will have cash and no part ex, so you can negotiate a better deal.

Good luck, we'll all keep our eyes open for you.

Mikey :)

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Loss adjuster phoned this morning to inform us that it's a write off :( . The miserabe so and so wouldn't tell us over the phone how much we would get even though he had come up with a value; "it's all in the report". Sounds like he didn't want to get involved in a battle over the amount that we should get which doesn't sound very good.

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Tjambaker

The loss adjusters went a company called ashwick were they?

What ever you do don’t accept there first offer ring some dealers and ask what price that van would be on there forecourt if they had one, I have just had a first offer for my van and it is quite a bit less than some dealers would sell one for so I am hoping to here from them again with a better offer.

JON

:mellow:

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Tjambaker

The loss adjusters went a company called ashwick were they?

What ever you do don’t accept there first offer ring some dealers and ask what price that van would be on there forecourt if they had one, I have just had a first offer for my van and it is quite a bit less than some dealers would sell one for so I am hoping to here from them again with a better offer.

JON

:mellow:

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Hi Jon

Ashwicks is the loss adjusters. I've already made my mind up that I won't be accepting their first offer because I know it's going to be a lot less than what I will need to replace the van like for like. Just a quick search nationwide on the internet tells me the average forecourt price of mine or similar van is £8500. I'm half expecting them to come in at around £6500 - £7000!

 

Tim

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Hi Tjambaker

 

I suppose it will be a guy called Robert Arnold dealing with your claim from specking to him he seems to be a very straight laced person with no sympathy for what has happened I am now waiting for another offer from them after providing them with prices from dealers that are around £1500 more than what glasses guide values the van at.

Good luck with your claim.

JON

:mellow:

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Jon

 

No suprise there then. It's ridculous this concept of one price in a guide book and the forecourt price. How the hell are you supposed to know what a reasonable offer is! I don't want to rip anybody off, but I insured the van for what I thought was a fair amount and the insurance company accepted that value. You have to ask yourself the question why accept it if they are not prepared to pay out that amount? After all the hassle of losing the van in the first place you just don't need a battle over getting reasonable compensation.

 

Tim

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I think it's a bit unfair to blame the loss adjuster for not talking prices with you, the insurance company are paying him to do that and talk to them.

I am sure any adjusters report will give a very accurate market value but it is nothing to do with him what percentage your insurers may or may not choose to shave off.

I am also sure his job involves day to day putting monetary value on tragic accidents far worse than a bent caravan which without a proper professional detachment would be impossible to do.

gary1s.gif

 

Arc Systems are specialist Carver caravan product repairers, committed to providing a comprehensive service as well as spare parts for these popular heaters.

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I think it's a bit unfair to blame the loss adjuster for not talking prices with you, the insurance company are paying him to do that and talk to them.

I am sure any adjusters report will give a very accurate market value but it is nothing to do with him what percentage your insurers may or may not choose to shave off.

I am also sure his job involves day to day putting monetary value on tragic accidents far worse than a bent caravan which without a proper professional detachment would be impossible to do.

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Possibly Gary, but I've been caravanning since 1993, luckily without needing to claim on insurance. If I was ever unlucky enough to have to claim for a writeoff, I would expect the company to give me the price of an equivalent van there and then, even if they had to find the van themselves. I know that this would never happen, but the insurers have been taking my money for 13 years now, is it too much to expect a prompt return in the event of an accident? I think not.

Mikey ;)

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Well Gary

 

That’s were you are wrong the loss adjusters have total authority to organise with the client the sum to be paid out and then advise the insurance broker of the amount settled upon.

Let’s hope it never happens to you that is presuming you have a caravan or are you just on here to promote your business, because I bet you would have a different view if it was something of yours that you were being offered over £1000 less than it would cost you to replace it for like for like.

JON

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Well Gary

 

That’s were you are wrong the loss adjusters have total authority to organise with the client the sum to be paid out and then advise the insurance broker of the amount settled upon.

Let’s hope it never happens to you that is presuming you have a caravan or are you just on here to promote your business, because I bet you would have a different view if it was something of yours that you were being offered over £1000 less than it would cost you to replace it for like for like.

JON

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I can vouch for the fact that Gary has a caravan, is a caravanner and gives out an awful lot of free advice and help when he could well charge. I think these remarks are unnecessary, unfriendly and not within the spirit of this, or indeed any other forum.

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putting monetary value on tragic accidents far worse than a bent caravan which without a proper professional detachment would be impossible to do.

39159[/snapback]

Your patronising comment implying that I'm some kind of winger and my probelm isn't that significant in the grand scheme of things, I find it bit offensive. I've suffered a significant loss which I can ill afford to do. It may not be as tragic as suffering personal injury or loss, but nevertheless it has an impact on me and my family. I like others have paid insurance premiums for years without a single claim and would just like a settlement figure that reflects the true "market value" of my van without having to haggle/argue about it.

 

I'm not blaming anybody for anything I'm just expressing a frustration over the whole process of claiming for something that I thought, by virtue of the fact I'd paid my premiums, I was entitled to!

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Your patronising comment implying that I'm some kind of winger and my probelm isn't that significant in the grand scheme of things, I find it bit offensive.   I've suffered a significant loss which I can ill afford to do.   It may not be as tragic as suffering personal injury or loss, but nevertheless it has an impact on me and my family.   I like others have paid insurance premiums for years without a single claim and would just like a settlement figure that reflects the true "market value" of my van without having to haggle/argue about it.

 

I'm not blaming anybody for anything I'm just expressing a frustration over the whole process of claiming for something that I thought, by virtue of the fact I'd paid my premiums, I was entitled to!

39171[/snapback]

 

Unfair I think. ...

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Unfair I think. ...

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Maybe, but people need to be careful making contentious comments on a thread where peolpe are clearly in stressful situations.

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Fortunately I have not had to make a claim through my caravan insurance, but have on my car, aren't the principals the same.

We had our car written off only because the cost to fix it would be more than the book states it's worth (what aload of rubbish) every vehicle/year of manufacturer are not in the same condition).

The money they were offering was silly, as our vehicle was immac and had very few miles towards others of it's year, fsh etc.

 

We had the options

1. find the same vehicle on a forecourt or being advertised for a larger sum than they offered me and they will offer me the same.

2. I keep the car and they pay me the value they offered me originally.

 

Is it not like this with caravan insurance?

 

Hope you get the result that suits.

dave.

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Olderbutnotwiser

 

May be my comments were unjust and I am sure gary has help a lot of people but when it is your own pride and joy that has been taken emotions are riding high and I am sure you yourself would not be happy if some one valued your van a lot less than what it would cost for you to replace it like for like.

Again I say ok I did under insure my van witch I just have to live with but then again I have been paying a premium on a set figure and even if I was under insured I should at least receive the amount I am insured for not a figure at £2000 less.

JON

:mellow:

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Your patronising comment implying that I'm some kind of winger and my probelm isn't that significant in the grand scheme of things, I find it bit offensive.   I've suffered a significant loss which I can ill afford to do.   It may not be as tragic as suffering personal injury or loss, but nevertheless it has an impact on me and my family.   I like others have paid insurance premiums for years without a single claim and would just like a settlement figure that reflects the true "market value" of my van without having to haggle/argue about it.

 

I'm not blaming anybody for anything I'm just expressing a frustration over the whole process of claiming for something that I thought, by virtue of the fact I'd paid my premiums, I was entitled to!

39171[/snapback]

 

That comment was aimed directly at this statement which I felt unwarranted

 

"suppose it will be a guy called Robert Arnold dealing with your claim from specking to him he seems to be a very straight laced person with no sympathy for what has happened"

 

Naming names is not on particularly when that person has no means of reply, a company is one thing but an individual is quite another.

What I tried to do was point out the other side of the coin, of course your claim is causing you heartache and I fully understand and sympathise but that's easy to say from a distance and then forget about. My point is this guy lives and breaths far worse day in day out and must therfore stay detached. This may come over as uncaring but that's not to say he does not do his job correctly and to the best of his abilities. ...for both parties

 

And yes, recently settled a claim on the car my first and laughed all the way to the bank, not all insurance companies are the same it would seem.

gary1s.gif

 

Arc Systems are specialist Carver caravan product repairers, committed to providing a comprehensive service as well as spare parts for these popular heaters.

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Again I say ok I did under insure my van witch I just have to live with but then again I have been paying a premium on a set figure and even if I was under insured I should at least receive the amount I am insured for not a figure at £2000 less.

JON

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I believe in General Insurance they use a principle of "Average" to reduce the amount they pay out for those people who underinsure e. g. Caravan Insurance, Home and Contents Insurance. Under this principle if you underinsure by 20%, then when you claim it will be reduced by 20%.

 

e. g.

Caravan worth £15,000

Caravan Insured for £12,000 (paying less in premiums as a result)

 

Say you make a large claim for £8,000, they realise you are under-insured and pay-out 75% (12,000 / 15,000) of your claim amounting to £6,000.

 

This is the only fair way they can ensure that those people who underinsure do not benefit to the detriment of those who make sure they are fully insured.

 

Otherwise, if they pay out the full £8,000 (because it is under your £12,000), you are "getting this benefit" and "paying less than you should" for the risks the insurer takes when setting upo your policy.

 

Cheers

 

THe Hodkys ;)

 

PS The other reason for this, is that the value of your Caravan is closely correlated with the potential size of future claims. By underinsuring the caravan, you open the insurer to larger claims than they would expect. They therefore reduce your claim to reflect that for the £12,000 the caravan was insured for, the claim amount would have expected to be £6,000 (£8,000 x £12,000 / £15,000)

 

PPS Just re-read this, I don't think I'd be a good freelance journalist!!

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