Huttopia wrote:

Inevitably the insurance company (kGM, via A Plan) has come back with a stunning offer of £5k....which possibly explains why they are happy to write it off. It leaves quite a gap between that and what I paid in October, so bow the admin effort is on me to provide receipts / examples of replacement costs etc. Lazy effort on behalf of the insurer and the discussion we had yesterday was ‘robust’. 😬

Huttopia wrote:

Inevitably the insurance company (kGM, via A Plan) has come back with a stunning offer of £5k....which possibly explains why they are happy to write it off. It leaves quite a gap between that and what I paid in October, so bow the admin effort is on me to provide receipts / examples of replacement costs etc. Lazy effort on behalf of the insurer and the discussion we had yesterday was ‘robust’. 😬

5k? are they having a laugh!! You paid double for it, back in October there. Golfs do hold the value as they are very sort after cars, like the Peugeot 306 was.
Stand your ground on that one, and id be pushing to get it repaired too. never mind them writing it off etc. There are ways around that too. one of the lads had an old P reg 306 repaired by the insurance, by one of the lads point him in the right direction. Shame the Peugeot 306.net is no longer active now, other wise id have got the info for you there and then, i don't think the lad who it happened to is even on the group on face book either, it was that long ago now sadly.
Trouble is they just want the easy route and that's it, with insurances, a Coach works would rather repair a car than write it off. They get about 50 to 100 quid to write a car off sadly.

If it helps, get looking on ebay, auto trader, for the same age of model and you tell them. When my defender was stolen that time, the insurance had a right bother trying to value it, i did some work with the fella on the phone, some one from leeds was selling a Defender that was 1 year older and lot higher mileage, and no way in as good as mine, for the same amount what i paid for mine. The lad said, saw it with his own eyes and said that's good enough for me So sometimes they may need a little helping hand with car values  Defender TD5 90 ---/--- Peugeot 306 HDI hatch back

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Ianh wrote:

Have a read of this to know your rights https://www.financial-ombudsman.org.uk/bus...write-offs

I know it’s a pain, but think...if you spend 3 hrs working on this it’s circa £6k plus for 3 hrs work.

If after finding several cars from a good dealer, in your case a main dealer that are showing circa £12k and the insurance company are still not playing ball, then advise them of the statement on the ombudsman site on the link above
“Most complaints involve disagreements about the market value of the vehicle. The market value is the price the vehicle would have sold for at a reputable dealership just before it was damaged or stolen.”

If still not playing ball involve the ombudsman.