they said we just go off the industry standard and accepted valuations, nothing you can do about it.
Sounds like bullshit. Go back and read what your policy says about what happens if they write your car off. RTFM!
My advice is to call whoever the engineer you spoke to and ask him to put the statement they said we just go off the industry standard and accepted valuations, nothing you can do about it. They even said your offer could go down if someone else looks at it! in writing by email.
When he asks why tell whoever it is you intend to report them to the Insurance claims ombudsman and highlight this to the insurance company they are representing. Make sure you have his full details.
Asking to be given the opportunity to prove your required valuation is and has been an accepted method of agreeing values for decades. His/her response to you is akin to saying "because i told you, so there".
I got a reply today from my email appeal that id linked to cars at a higher value.
It basically says we've reviewed it, not changed it and now we have closed it. If you don't agree here's a link to the ombudsmen, you have 6 months to appeal.
On their justification they have ignored auto traders £4000 valuation as its vastly different to the other 3 lower valuations. (this is an accepted practice and its in the blurb on the ombudsman guidance)
They have now issued me a cheque that will take 5 days to get to me. Company policy they don't issue bacs payments.
I've been with esure for over 10 years, I doubt I'll ever use them again, although I suspect most insurance companies are just the same.
I'm now looking for cars, every time I find one that looks OK I read the Google reviews for the garage and they are horrendous and full of horror stories. Oh the joys of buying 2nd hand cars
I read the Google reviews for the garage and they are horrendous and full of horror stories.
People will almost never post a neutral or positive feedback on Google for a garage. It'll only ever be as revenge for a dispute that didn't go their way. Be wary for sure, but don't entirely discount a garage for a couple of poor reviews.
On their justification they have ignored auto traders £4000 valuation as its vastly different to the other 3 lower valuations.
What are the 4 valuations?
