This business about calculating the write off value is ridiculous. My 06 QP Sport GT 48 k miles write off offered me £12k, sent details of very similar cars at 16 to 18k and that I had just fitted Larini cats. They came back with 14175 to include full cost of Larinis. A friend whose parked 06 QP sport Gt was written off by another driver ploughing into it has only been offered 10k because mileage is 84k. I would like to know how Aviva can get to 15k for an 05 QP with 65k miles. What can we do about it ?
Construct an argument. Present them with ads. Put in mileage adjustments - and show what the value should be.
Moan, complain and didn't give up.
Show the additional spec from the base model. Show them what you paid.
I bought might only 2 years previous from Nuvola at £20K - there was no way it could £10K after 2 years. Aviva internally said they could only justify £10.5K until they sent an engineer.
Mine's a really nice example and the engineer did rave about the condition and the interior (cuoio leather and mahogany dash and steering wheel - bit pipe and slippers but lux).
They knew I wasn't going to give the courtesy car back until I was happy (with Aviva you have 2 weeks after the offer) - and they knew I might go the official complaints route about the offer.
Plus in the meantime I filed a formal complaint about their slow handling.
But even I was surprised at £15K.
Nareman at Nuvola said he couldn't seriously value it a more than £12K. - but I wasn't going to tell them that!!!
As someone said earlier - Aviva are known for good settlements. Plus I am a customer service nightmare in terms of being very calm, persistent and assertive (I train people in those skills).
It's a negotiation. Because on these cars they have a lot flexibility, so it is not what the car is worth so much is what is worth Aviva to get it sorted rather than have it drag out.
And if the other driver is at fault with undisputed liability - negotiate direct with the other insurer.