Privilege car insurance!

Question

Had both our cars insured with Privilege for a few years. My husband had an accident yesterday. The car in definitely a write off. Never had a claim other than a windscreen. How are they to deal with in a claim situation. The assessor is coming out to see the car "hopefully this week".

Answer 1

i work for an insurance broker. best thing to do before hand is start looking for similar vehicles make model year and mileage and see what type of prices they are going for. if you can, find prices from garages rather than from private sales as these are usually higher. print these prices off, about 5 will be fine. you shouldnt wait that long for an offer. he will need your hubbys driving licence, v5 and mot before he makes an offer though so get these ready before his visit or send them by recorded delivery to your insurers in advance so this doesnt hold things up. many people say never accept their first offer, but this is rubbish. if you are not happy with the first figure you receive then you can refuse it but they will then require proof that if you were to buy the same vehicle today, you would have to pay more than what he is offering (hence why i said to start looking for prices now). you can expect his report to be submitted within 7-10 days to your insurers. so if you havent had an offer by then - then ring them until you get your offer. also, once you have accepted the offer and all paper work has been received (v5 etc) the insurers have a maximum 5 day turn around on getting the cheque issued. that means you should get your cheque within approx the next week. many customers dont know about hte 5 day turn around rule, so point it out to them and it should get them moving.

Answer 2

If you have comprehensive insurance you will get what the vehicle is worth. Does`nt matter who was at fault. Is that what you were asking?