They should give you the car's value (ie what it would cost to buy an exact replacement) but they will give you a stupid offer upfront in the hope you'll just accept it and go away. Worth scouring Autotrader to find out what the going rate for a car of your spec, age, colour and mileage is advertised for and use it as evidence to push the offer price up. The more ads you can find to back it up, the better

Chris

This is exactly right. I had a bad head-on with my last car ( a Lupo tdi). The insurers tried to fob me off with a lousy offer. I refused them twice and did a lot of research for decent cars with the same spec. I also really pushed the fact that I took huge amounts of care with my car and could not find another in the same condition. In the end I got a real good offer.

Good luck with your claim

Luko2

Sad to hear, but you are OK!!! My son's car (oldish Renault Clio) was stolen and recovered damaged. Insurers offered about £800 but increased to £1100 when I pointed out fsh and owned from new by one family. Do you have a courtesy car? Snag is that they will want to take it away as soon as they have made an offer. Start thinking of all the reasons why your car is better than average. Good luck!

timber.

Got the result today it's a Write off :(

Repair cost was £5800 so not worth it.

Just hoping they don't do me on the offer. Have to wait till Tuesday for the offer.

Can't find another for less than £8500 in Autotrader so I am quite hopeful.

Anyone now what affect this will/may have on insurance quotes even though we had protected no claims?

Thanks again for all you kind words. Thinking of just getting another VRS as I do love them.

Regards

Doug

Doug

The problem, you now face is not the reduced NCB, as you say they are protected. The issue now is one of risk, for the next 5 years you will have to declare to insurance companies that you have made a claim, even with max NCB this can bump the premium substantially.

Doug

The problem, you now face is not the reduced NCB, as you say they are protected. The issue now is one of risk, for the next 5 years you will have to declare to insurance companies that you have made a claim, even with max NCB this can bump the premium substantially.

Thanks mannyo,

Well I have just done a new quote as the insurance is up for renewal beginning of Feb and it looks to have only gone up by about £40

Quite happy with that really.

For info I put in the claim amount at about £8500.

This is based on a replacement VRS

Every cloud and all that

Doug

Here is my 3week old mini My 3 week old mini - MINI2 - MINI Forum

Here is my 3week old mini My 3 week old mini - MINI2 - MINI Forum

Not good

A Furby would have been long gone and past that motor, or if bright yellow like mine, the driver would have seen you, Hope you were OK

Jimbo aka National

Not good

A Furby would have been long gone and past that motor, or if bright yellow like mine, the driver would have seen you, Hope you were OK

Jimbo aka National

Yes I am ok was in the dark and I have had a yellow vrs Octavia/ vrs furby in black

Hope you get the price you want

Here is my 3week old mini My 3 week old mini - MINI2 - MINI Forum

Not good but could have been worse, that should come out with a bit of T-cut:)

Can't say I'm too keen on the layout of that forum though, makes it quite difficult to read and has bloody adverts all over it.:thumbdwn:

that looks like a write off to me that mini :( shame after so little time but you should simply get another brand new car and no mark against you.