Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
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Even better if youve claimed for a write off through direct line, basically I have been told a couple of different stories.
Info 1: That when the insurance writes off a car, it can take weeks, even months before you get the actual cheque
Info 2: That when the inspector comes out they phone through the decision and details straight away, and all you have to do then is send off your docs, as soon as they get your docs, they send out the cheque...a fews days turn around
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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my corsa got wrote off quite a while ago (had the crash over a month and 10 days ago), haven't recieved the £2185 cheque yet.
once the inspector says it's a write off, they will send you a letter so all that takes time 
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Hamish
Member
Registered: 4th Apr 05
Location: Ashtead, Surrey Drives: 100bhp Mint with Hole
User status: Offline
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The later was true for me when direct line just wrote my car off. From start to finsh the process took no longerthan 3 weeks and that was with agrueing the price up as well.
I dont have a bad word to say about them....very very efficient
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Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
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well info 1 was from a person who works for another insurance company, info 2 was from direct line, he was making out that as soon as the assessors been the only time to wait is the time in the post for your docs to get to the them, and the time for the cheque in the post to get to you
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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churchill are shit then as me and hamish crashed on the same weekend 
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Jon_C
Premium Member
Registered: 7th Dec 05
Location: Suffolk
User status: Offline
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I crashed my saxo on a friday. Phoned who i was insured with(CIS i think) A man came and looked at the car on my drive on the saturday. Decided it was mullered. He told me to wait to hear from the insurance people to contact me. Got a call the Tuesday and agreed a settlement and i had the cheque the next day. They were very efficient. Shame they were so expensive really
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Dave A
USER UNDER INVESTIGATION - DO NOT TRADE
Registered: 10th Dec 03
Location: County Durham
User status: Offline
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I know of 3 cars that similar has happened to:
Quinn direct: mates car stolen, over a year later they havnt paid out or even aknowlege that he or the car ever existed, that one is with the insurance ombudsman
Quinn direct again: customers car written off, 6 months on and they are still arguing over wether they will pay out, car is in storage at £12 a day (over £2k of storage charges )
Direct line: car damaged in an accident, hire car within 6 hours, inspector viewed within 24 hours, write off within 48 hours and cheque paid out 1 day later.
make your own mind up about who the better insurer is
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Hamish
Member
Registered: 4th Apr 05
Location: Ashtead, Surrey Drives: 100bhp Mint with Hole
User status: Offline
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tbh they sent me the cheque before i had sent them the v5 and current MOT. when they sent the cheque they sent a S.A.E to put your documents in to send back
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Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
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hopefully then, it should just be the slightly delayed time for the inspector to get here due to the volume of visits at the moment,
fingers crossed when hes been i should get the cheque quickly.
im in direct line btw, am just wondering wether to wait for the money for mine, or to source the funds elsewhere inthe meantime as i need a vehicle within the next week or two ideally
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Hamish
Member
Registered: 4th Apr 05
Location: Ashtead, Surrey Drives: 100bhp Mint with Hole
User status: Offline
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i even got a phone call the evening off the accident form direct line saying they were admitting full liability
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Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
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yeah only thing pissing me off is the delays for the bloke to get here. But they must have loads of calls.
Im hoping thats the only delay
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Hamish
Member
Registered: 4th Apr 05
Location: Ashtead, Surrey Drives: 100bhp Mint with Hole
User status: Offline
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it should be, i would imagine ALOT of people are claiming atm. To save time get current proof of what the car is worth of autotrader and print the ads out and wave them in his face when he comes round. Saves time with him making a stupidly low offer
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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parkers.co.uk
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Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
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il just go buy a mag, got loads of pics of it in mint cond too
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Hamish
Member
Registered: 4th Apr 05
Location: Ashtead, Surrey Drives: 100bhp Mint with Hole
User status: Offline
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direct lime told me they went off current autotrader prices...just try and find the most expensive ones 
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Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
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they said, glasses, parkers, autotrader etc.
i questioned wether they will just automatically give it trade price, and they said no they go off market prices, which seems fair.
quite glad im with them as others seem well dodgy
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Hamish
Member
Registered: 4th Apr 05
Location: Ashtead, Surrey Drives: 100bhp Mint with Hole
User status: Offline
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even if you bought it private...get the trade garage prices as they will have been marked up and you will get more money
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Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
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i didnt mean what a trader would sell a car at i meant what a trader would get the car for at trade price which is usually bugger all.
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Neo
Member
Registered: 20th Feb 07
Location: Essex
User status: Offline
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quote:
Originally posted by Dave A
make your own mind up about who the better insurer is
TBH I'm insured with Quinn, however driving a 400 quid shed, so if i was to crash i more than likely wouldn't claim as i'd prefer the ncb.
I think you need to take into account whether your likely to claim on that car.
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Hamish
Member
Registered: 4th Apr 05
Location: Ashtead, Surrey Drives: 100bhp Mint with Hole
User status: Offline
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yea i realise that, but go and try and find the most expensive 106's on autotrader with similar millage and colour to yours and your laughing
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Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
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i only lose 2 years ncb, which is 15% extra on my policy, so in my case about 50 quid
[Edited on 24-07-2007 by Steve]
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Hamish
Member
Registered: 4th Apr 05
Location: Ashtead, Surrey Drives: 100bhp Mint with Hole
User status: Offline
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i thought the first years no claims was 30% alone?
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Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
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you misread, i said i LOSE 2 years no claims, i have 7 years ncb, i will have 5 following
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Hamish
Member
Registered: 4th Apr 05
Location: Ashtead, Surrey Drives: 100bhp Mint with Hole
User status: Offline
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of right, so 5 years are protected but the other 2 arent?
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Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
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nope, they just said you lose 2years ncb for every claim you make, surprised me aswell, but thats mainly the reason im claiming
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