Up in flames Sharan

**onzarob** · 17-10-2006,09:06 PM

I've just been thinking about this a little more, The insurance company are saying. If your car is damaged by fire they will repair the damage but not the fault that caused it......great if your car is only marginally damaged and you pay to fix the fault.

But a write off is a write off, therfore you should recieve full value. beyond economical repair etc etc. springs to mind

I had the same issue when a car went up the back of my classic car and they started quoting a 'betterment' clause. ie if they fix the panel and also remove the little bit of rust that was there, I have to paya percentage because it's better than it was before it was crashed!!! I held out and argued...they paid the lot......stick with it

**Fourbears** · 19-10-2006,08:05 PM

Thanks for your thoughts, they seem to be along the same as mine! I think they're trying it on and I rang themn again today for a copy of the forensic report. They've still not got it. It gets even more suspicious!

**Fourbears** · 26-02-2007,03:20 AM

In case anyone is interested, I had a letter from the Ombudsman last week. He ruled that the insurance company (Zurich) should NOT have deducted anything as their clause related to wear and tear or an item that could have been reasonably foreseen to be failing. Which this wasn't. So Zurich have had to pay the money plus interest!!! Hurrah!!!

**MalcQV** · 26-02-2007,09:04 AM

Originally Posted by onzarob

I've just been thinking about this a little more, The insurance company are saying. If your car is damaged by fire they will repair the damage but not the fault that caused it......great if your car is only marginally damaged and you pay to fix the fault.

But a write off is a write off, therfore you should recieve full value. beyond economical repair etc etc. springs to mind

I had the same issue when a car went up the back of my classic car and they started quoting a 'betterment' clause. ie if they fix the panel and also remove the little bit of rust that was there, I have to paya percentage because it's better than it was before it was crashed!!! I held out and argued...they paid the lot......stick with it

Duly noted thanks.

Fourbears, glad it is sorted