A little heads up on your insurance agreed valuation.

[ninja.turtle007]

Typo

[paul1275s]

I find numberplates do tend to get a bit muddy when greenlaning...

[ninja.turtle007]

The insurance ombudsman are the people with the final call.....RE off roading....is a byway off road? Is a car park at the county show offroad?....you would of needed more than mud tyres to get out of the car park some years!


If you have mud tyres on but crash on Tarmac is that coverered?

If you slide off a hill side and roll...but bolt set of 3 mm deep nankangs on while the vans upside down alls well?

My understanding is that BOAT'S are unmade public highways, so they should in theory be safe. I really think/hope they are only referring to pay and play sites.

[max and caddy]

In which case the insurance company my have a valid point....I wouldn't be to keen to insure anyone's vehicle at such places either...

[max and caddy]

I'll place a £10 bet that if you ever have to claim they don't pay out the agreed value.

My most hated people on the planet are insurance companies, absolute scum of the earth with tongues of snakes. I never believe a word they say. Lies fall from thier mouths like the oozing from a warm egg sandwich.

i´ll take that bet!
who´s van shall we nick

Mine...but not at night please...

[stevealex]

I wouldn't trust agreed values too much. I wrote off a mk1 escort a few years back, that had an agreed value with photo proof. The insurers still tried to under pay on the settlement, I managed to get a fair settlement in the end but it took lots of tooing and frowing including writing to their managing director. I think whatever cover you have you have to be careful in dealing with a claim. Paul is great at glynnwood, but unfortunatly he will not be deciding your claim and I am not too keen on the people who do.

[Aidan]

So Lloydy who's your insurance company ?

It's not Glynwoods fault that your policy went up that's down to the insurance company, Glynwoods are the broker, Flux have done you a deal for new business and I bet it goes up just as much over the next few years as it did with Glynwoods, loads of peeps have had the same experience and basically you get nothing for loyalty as with everything these days

So other than poshbuggers' bus how many Syncros have been total theft loss in the last couple of years I wonder ? Be nice to have the actuarial information especially to see if HIC have taken a hit on a MT equipped van

me I run tyres appropriate to the conditions, at the mo I'm on winters, if the insurance companies were serious they'd insist on that, I bet if you have an accident in Germany in winter and you've not got winter tyres on as well as getting done by the law you loose your insurance payout

let's nick Lloydy's and see how flux perform (we could hide it near Ferrybridge )

[lloydy]

Wait til I get the agreement in writing first!
Trinity lane is the insurer. Glynwood said, when I complained, that if I got it cheaper they would look at putting the price down. I said if your able to do it cheaper, then do it cheaper. They said no. They phoned again today and I told them I wasn't renewing, they then offered to look at the price, I said, too late..

[AdrianC]

If your dads blameless why do the insurance have a right to call the shots?

Small print.

But the small print is on the other cars policy...so how are you going to read it beforehand?

Almost certainly the father didn't claim off the other car's policy - he claimed off his own. It's a subtle, but very important distinction, since you have agreed to a contract with your own insurer, so they dictate the terms. If it's so clear-cut that it's the other driver's fault, they CANNOT unilaterally write off your car and offer you a derisory amount, since you don't have a contract with them, you're in a much stronger negotiating position.

Golden rule : If there's no doubt about whose fault it is, DON'T ring your own insurer until you're ready to say "This happened, but it's all sorted now." Just talk straight to the other insurer, and say "Your driver caused this, put it right. Now. This is what I expect. <thunk of documented proof onto table>"

[syncroand101]

Having been through the process of having a syncro written off then taking nearly a year of arguing to get something anyway near the value agreed on the original paperwork, I can confirm they are f*ckers and that £10 would be a very safe bet.

[max and caddy]

I agree...there is lots of things that van be crashed into that don't have insurance...horses...houses..bridges...all sorts and are still payed for in full by the at fault drivers insurer...they can't say to British rail for example "that bridge is a write off...we will pay half the cost of a replacement"... Same with a car belonging to someone else..in fact if the car was uninsured parked at the side of a road but not on it and damaged it could still be claimed for against the at fault driver...just like if it were a caravan for example.

[max and caddy]

Having been through the process of having a syncro written off then taking nearly a year of arguing to get something anyway near the value agreed on the original paperwork, I can confirm they are f*ckers and that £10 would be a very safe bet.

Ombudsman time...will take ages of course..

[Aidan]

Trinity Lane are a Malta based company and Highway are part of the LV group - interesting to see who is actually behind the name , and according to their website Trinity don't offer a specialist camper policy, van policy or a 4x4 policy and they only deal with three brokers, Flux, HIC and a Bike specialist - small may be beautiful of course, hopefully we'll never have to find out what they are like in the case of a claim

Now Jake remind us who you were with when the Caravelle got totalled ?

And of course LV's social media department will be reading all of this,
just like VWHeritage do

I nearly switched to LV this time but I had a frank discussion with the broker who was offering them at the outset of the negotiations and to be fair he was great, but I made it clear that my number one pet hate with the insurance companies is quoting a price and then offering to lower it, I explained that I think it is dishonest - so he got me a quote and said he'd already got them to lower it to their best price - but whilst I carried on negotiating with Glynwoods who broker my policy with AXA (Whole business policy motor Trade) - LV apparently checked up to see why I hadn't jumped at their deal and unilaterally dropped it by another 10%, so I told them no thanks you have just done what I told you I hate most about insurance companies, if you can't be honest at the quote stage what will you be like in the event of a claim, I don't trust you...at the end of the day I only have insurance because I'm legally/morally required to, I've had one claim in 31 years for £450 and that was 26 years ago - that was an road accident, but I've never claimed on any other policy of any type and I must have paid out £50+k in premiums over the years

[ELVIS]

Lloydy, just out of interest, to get your agreed value do you have to store the van inside a garage? All of my (FIVE i think at last count) policies are with Paul and the one for my splitty is set at a max of £12.5k if it is stored on the street or driveway. Only get agreed price above that if it is kept in a locked garage.
Is it the same with T3s?

[ghost123uk]

Just to point out that when I went through all this (all be it regarding European breakdown cover limitations) it was pointed out by Paul at Glynwoods that T25's are no longer listed at all in the Glass's guide.

He told me they base the value (again, note, this was for European breakdown recovery) on the average real world sale value of similar vans, in similar condition, based on info supplied, pictures and if ever needed, an engineers report on the condition of the van prior to the breakdown (or accident presumably).

It would be interesting to hear from folks who have had to file a total loss claim...