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 Topic: Caravan write-off - Insurance help
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17/4/2013 at 7:56am
Location: Bath
Outfit: Bailey Palermo & Kampa Brean
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it is likely to be their own internal policy to get a copy of the purchase receipt, this may assit them in any detail of accessories added, like a mover for example - this will also give them a guide to its condition at the time of purchase which they may try to use against you.
Many policies have an underinsurance clause in it, so they are also looking to see if you you paid for enough insurance to protect the value of the van....you will be surprised at the number of people that will try to insure something for less than its true value to reduce the premium, only to find that they didnt buy enough cover. As you insured for market value, you should be OK, but who decided the true value?
as Mike said above, get yourself some values, and see if you can see copy of the glasses guide from a friendly dealer.
Our van was written off last year, and they did ask for the purchase receipt, but it was less than 3 yr old, so a little different as i had NewforOld. At the end of the day, the receipt was irrelivant as they paid out the full value i had insured it for and it was realistic.
Also make sure you have sight of a glasses guide - as my insurer originally offered a market value (thats another story), they said it was "from the glasses guide", but it was a made up number as i had actaully seen the guide at the dealer. So get as much detail as you can independantly to then use your negotiation skills in deciding the final market value.
Of course you could have lost the receipt, as i have!
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