Car Insurance - Cash in Lieu of Repair

[grainger1973]

Am i entitled to a cash in Lieu settlement,from the insurer for the repair cost of my car, simple accident, the third party accept liability, cost of repair around 2k.

The engineer who assesed the car said it wasn't something that was allowed ???

[sammy snake]

What do you mean, cash in lieu of repair? If they can't repair your car or think it uneconomical to do so, they will pay out.

If they can repair your car, they will. You can't ask for the cash instead.

[bednobs]

because how would they know you wouldn't just pocket the money, drive the car around still and then get it done more cheply and make a profit?

[gouldc]

Cah in lieu (CIL) settlements are normally made at the insurers discretion - you'd be surprised how the amount of requests for this type of settlement increase around xmas!

We normally go down this route on cars that have minor damage, but are technically total losses - we're talking paint scratched, but car needs re-spraying, so no reason to take the car off the road.

Bedknobs is spot on with the reason we don't like to go down this route, but at the end of the day, so long as you don;t come back and try to say you've had another accident with exactly the same damage, and you can prove that you've repaired your car since getting the CIL, we don;t particularly care.

CIL kind of absolves us in a way - if a policyholder insists that they want a CIL as they can repair it cheaper than we say, then we may accept this. The condition of a CIL settlement though is that you can't come back and then say "I've found more damage and want more money".

As a general rule, I would say most people who go down this route are trying to make a bent claim

[grainger1973]

Just to clarify, nothing underhand here, just want to do the work myself.

[gouldc]

My apologies - no accusation intended!

I work in this sort of area, so everything I see is bent and I get a little over zealous!

I used to deal with Classic Car policies a few years ago, and everything was CIL - I understand that some people are only happy doing their owen repairs, but the few bad apples spoil it for everyone else