Claim back cost of MOT?

[lottin_uk]

Our N reg fiesta went through its mot on Thursday night and cost over �200.00 to pass. It drove 1 mile home and sat all weekend. It was broken into on Sunday and hot-wired. The damage was extensive and the insurers have deemed the car as a total loss. We were to be selling the car on monday for around �600.00 as the mileage was so low (30K) and in perfect condition.

The insurance company offer leaves us with less than �100.00 after excess, and still to pay the �200.00 MOT. Does anyone know if we could claim this somehow?

[tel b]

Get the prospective purchaser to write a letter confirming that he was prepared to pay �600 for the car and send it to your insurance company asking them to review their offer in the light of your actual loss. The underlying principal is that you should be no worse off after the theft than you were before - unless you argue with the insurance company you will be.

[NORMANTHEDOG]

the fact that it cost you �200 to pass a mot is of no relevence at all to the insurance company.the only way round it is to use the money they give you to put the car right and then sell it,i presume they are letting you keep the car as well.

[WoWo]

I'd agree with both, as Norm says the fact you have only just paid �200 is of no relevance for insurance purposes. However you don't have to accept (and shouldn't) accept the insurance companies first offer.

Get some more evidence, print of classified ads for cars in the same condition/milage to prove it is worth what you say it is.

However you don't say how much the excess was, if it was �500 and you got �100 then there really isn't much scope to get any more out of them.

[spaced]

remember that insurance companies always try the we will offer you the trade cost. You are not a trader and could not replace that vehicle at the cost offered. Get the Glass guide, find the real value of your car and give them a copy of it.

My insurers tried that with me, not knowing that im a fleet manager dealing with vehicle accidents. My car was written off, but was worth aroun �1300 according to he Glass guide. Insurers tried to offer me �500, up to the point that I faxed them a copy of the valuation from the guide and the simple fact I was not a trader. Cheque for the amount of �1300 came in the post the following week.