surprising_skoda
RMS Regular
OP
- Thread Starter
- #26
If there was an abundant choice of them then I would agree, you would want to be haggling plenty off. But with a car that is seemingly quite uncommon, you can only push so far - if you don't manage to do a deal with someone - well, there isn't another four to go look at the next day.
As Stevie says, they're just expecting me to take a loss. CRASH have admitted to me on the phone that they can't find one for the figures either. I've got another assessor coming tomorrow, for what difference that might make.
A lot has been said about that I got this one (the car now damaged) through the trade - so perhaps that point needs expounded a little. It's good that questions are asked, it brings things to light.
So I paid well below market value on it. We all knew that. A combination of the car having been a courtesy car, possibly a bit thrashed, with a months MOT left and mis-matched wheels, stickers to pull off, plus being sold to me in trade, as-is, from someone local my family have dealt with a lot, via my friend that runs the garage attached to the sales site... there was a lot of factors keeping the price down.
Immediately it was fixed up for the MOT, a few repairs done, original wheels sourced, decals removed and polished and waxed, etc - turned it into a decent wee car again.
Now that's not repeatable, barring some other extremely fortunate collaboration of coincidences, which is not impossible, but highly unlikely. That garage my friend runs only had one Fiesta, no more to offer. I've had the word out among my trade contacts for two weeks and not had a single Ford offered - except that "Ford Megane" someone tried to convince me into
So the point comes down to, really, not what I paid for the car - but what it is worth. And I have to replace it. We need it. We used it every day. Unless the speedo is broken, the hire car has over 1500 miles on it in the 2 weeks it's been here! It's worth is what it will cost to replace - and at short notice too. I don't have two months to wait for a bargain to turn up, so whatever it will cost to replace it, within a few days, with one in equal good condition (nobody is claiming it's concours) and ready to be put into action daily - that's what the car is worth. Which, according to Glass' Guide, is £1375 - and, according to actual cars for sale, is £1600-2000.
I don't think that it is right that I should suffer a loss in finances of any amount (in this case around £300) nor that insurance should expect me to.
If it was my £12k Range Rover (in my head ) and they were offering me £10k and no more, with the cheapest equivalent on the market also £12k - should I be expected to pick up the £2k tab? When it was all caused by someone else? It's this point that I am challenging.
As Stevie says, they're just expecting me to take a loss. CRASH have admitted to me on the phone that they can't find one for the figures either. I've got another assessor coming tomorrow, for what difference that might make.
A lot has been said about that I got this one (the car now damaged) through the trade - so perhaps that point needs expounded a little. It's good that questions are asked, it brings things to light.
So I paid well below market value on it. We all knew that. A combination of the car having been a courtesy car, possibly a bit thrashed, with a months MOT left and mis-matched wheels, stickers to pull off, plus being sold to me in trade, as-is, from someone local my family have dealt with a lot, via my friend that runs the garage attached to the sales site... there was a lot of factors keeping the price down.
Immediately it was fixed up for the MOT, a few repairs done, original wheels sourced, decals removed and polished and waxed, etc - turned it into a decent wee car again.
Now that's not repeatable, barring some other extremely fortunate collaboration of coincidences, which is not impossible, but highly unlikely. That garage my friend runs only had one Fiesta, no more to offer. I've had the word out among my trade contacts for two weeks and not had a single Ford offered - except that "Ford Megane" someone tried to convince me into
So the point comes down to, really, not what I paid for the car - but what it is worth. And I have to replace it. We need it. We used it every day. Unless the speedo is broken, the hire car has over 1500 miles on it in the 2 weeks it's been here! It's worth is what it will cost to replace - and at short notice too. I don't have two months to wait for a bargain to turn up, so whatever it will cost to replace it, within a few days, with one in equal good condition (nobody is claiming it's concours) and ready to be put into action daily - that's what the car is worth. Which, according to Glass' Guide, is £1375 - and, according to actual cars for sale, is £1600-2000.
I don't think that it is right that I should suffer a loss in finances of any amount (in this case around £300) nor that insurance should expect me to.
If it was my £12k Range Rover (in my head
) and they were offering me £10k and no more, with the cheapest equivalent on the market also £12k - should I be expected to pick up the £2k tab? When it was all caused by someone else? It's this point that I am challenging.
