Why have Admiral written my car off?

911C996TT · 12 Jul 2012

I got an email from my Insurance company today saying that:

Our Claims Department have advised us that your car has been written off
(this is either due to damage or theft), and so we are unable to continue Insurance on your car.

how on earth have they written the car off??? they havent paid out and I havent made a claim?

The car was stolen yesterday 11:30am, parked 20 miles up the road at 12pm and recovered today at 10am.....no damage, I just need to get the locks replaced as they still have the keys...

does this now mean my car is a CAT D? and recorded as Stolen/recovered? and will his affect resale and new Insurance? if so, why the hell have a tracker? I'd rather it was lost for good!!

Any Insurance experts here?

GT4 · 12 Jul 2012

I see you've met one of the few groups of people who are an even bigger bunch of thieving ***** than the pikeys.

Oddly, their scams are legal.

Sorry to hear you have now had salt added to the wound.

Do the police or Tracker perhaps advise direct?

Bomb · 12 Jul 2012

Why don't you withdraw your claim if there is little damage, I must say for them to write it off so soon after the incident seems a little odd, in my experience they would normally send an assessor round to view the car and then make a decision. I'm sure there is a solution

Bomb · 12 Jul 2012

Sorry commander I didn't read yr thread very well did I not much help!

westy666 · 12 Jul 2012

Give them a call and find out exactly what is going on. It's possible the e-mail was in error.

Also try calling the financial ombudsman for advice. 0800 023 4567

They were really helpful a few years ago when my girlfriends Insurance company tried to pull a fast one on her regarding an accident.

chimp911 · 12 Jul 2012

Yeah, don't let them stiff you.

A few years ago E-sure tried to cancel my new Insurance policy with them after I corrected the paperwork they sent through to confirm all my details. They hadn't included a driving conviction even though I had informed them over the phone when acquiring and accepting their quote.

When I complained that I had fully disclosed all of my details prior to them accepting my business the snooty and patronising advisor reminded me that they recorded all quotation conversations so I didn't have a leg to stand on. I politely replied that I would happily wait while he replayed the entire recording. 20 minutes later I received a follow-up call to say that my policy would be reinstated...

Strangely enough they didn't offer a renewal quote after the policy expired... :?:

MisterCorn · 12 Jul 2012

It sounds like a simple mistake to me. If the car is recovered with no damage and just requires a change of locks I don't see how it can be written off. If they insist it is, ask them how much to buy it back from them after the payout.

MC

Richyd · 12 Jul 2012

if you're worried that this may effect the value of your car come re-sale, just accept their offer to write it off, take the cheque and buy another one...

They then have the head-ache of selling your 996 on...

Admiral wrote off my Elise a few years ago (it was a proper write-off) and we fell out over their valuation. In the end I haggled, sent them a few ads off Pistonheads to show them the true replacement value, and they paid out in full. Took 'em a few weeks to accept defeat, but to be fair to them, they did in the end.

Sometimes if the Insurance co offer to write the car off and pay out in full, this is the best outcome. Gives you a chance to go shopping for another one!

candida · 12 Jul 2012

it certainly is stolen / recovered, isn't it ? As it was stolen and then was, er.. recovered ?

T8 · 12 Jul 2012

candida said:
it certainly is stolen / recovered, isn't it ? As it was stolen and then was, er.. recovered ?

I always thought that this term meant that an Insurance company had paid out and that the car had been recovered at a later date.

In this instance no payout - or indeed claim - has yet been made.

I'm with Admiral so I'm following this thread closely. It would seem that someone has acted prematurely in sending the e-mail. The OP had to report the theft but if he hasn't made a claim I can't see how the Insurance company can do anything else yet.

It may be that the OP won't make a claim at all or may just claim for the cost of having the locks/ignition barrel etc replaced.

opcorn:

Red993C4 · 12 Jul 2012

candida said:
it certainly is stolen / recovered, isn't it ? As it was stolen and then was, er.. recovered ?

True, but apparently recovered in good condition with no apparent signs of damage and within a day of the theft, which surely does not constitute an economic write-off? :dont know:

Slayer · 12 Jul 2012

Red993C4 said:
candida said:

it certainly is stolen / recovered, isn't it ? As it was stolen and then was, er.. recovered ?

Click to expand...

True, but apparently recovered in good condition with no apparent signs of damage and within a day of the theft, which surely does not constitute an economic write-off? :dont know:

+1.

It does not make sense to me :?

candida · 12 Jul 2012

Slayer said:
Red993C4 said:

candida said:

it certainly is stolen / recovered, isn't it ? As it was stolen and then was, er.. recovered ?

Click to expand...

True, but apparently recovered in good condition with no apparent signs of damage and within a day of the theft, which surely does not constitute an economic write-off? :dont know:

Click to expand...

+1.

It does not make sense to me :?

Nor to me but it's all too often the knee jerk reaction: we'll have to recover, send to a specialist, repair, it's a Porsche Turbo, let's just pay the owner what we can get away with and get rid.

Cat D - Repairable (inc.Stolen/Recovered).

A damaged vehicle that the insurer has decided not to repair, but which can be repaired and returned to the road. The vehicle can be safely and economically repaired either by the motor trade or by an enthusiast using cheaper parts and reduced labour costs. These often have very little damage and are vehicles which have been replaced under 'new for old' Insurance schemes or settled quickly to minimise hire charges.

jw1000m · 12 Jul 2012

candida said:
it certainly is stolen / recovered, isn't it ? As it was stolen and then was, er.. recovered ?

I am sorry OP that did make me laugh.

I would not rush this at all. You might find a silver lining here as I had a company car stolen (admittedly an Astra) but the Insurance offer was much higher than the replacement costs and the cost for actually buying it back at auction.

Ask why it has been written off but keep cool and let them make the running for a few days and then if unhappy with the numbers being quoted then stand your ground and explain why there is no reason for the car to be written off.

PS I am also with Admiral and interested to know how they manage this.

wolfie28 · 12 Jul 2012

GT4 said:
I see you've met one of the few groups of people who are an even bigger bunch of thieving ***** than the pikeys.

Oddly, their scams are legal.

Totally agree with this statement - Insurance companies :evil:

The Mrs had a head-on (approx 10mph) with one of our elderly generation. She told the Insurance company what had happened but NO claim was made and NO costs were incurred. However it still increased our premium costs with her and my Insurance company as according to them a NO claim No cost was made :dont know:. ***** - Simples.

To the OP I hope it was an error and it gets sorted.

Why have Admiral written my car off?

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