Had the RS hijacked at gun point.

[superlightr]

Ok so an update and to try and cut a long story short.

When ins co and gap were informed the day after the theft, the ins co were spot on and within hours offering a cash payout. I informed GAP with the payout and they said " but have they offered you a new replacement as under 12 months old"
Went back to ins co and they said yes and they only went payout route because I said I wouldn't want to ever own another RS6 again after being hijacked. So told gap also that under the circumstances I didn't want to have a replacement. Boom the bomb went off. "Well no Sir you must take the replacement and if you don't then you will have NIL benefit"
I had no choice but to accept replacement. After 2 weeks of third party specialists working to get me a new standard RS6 or PE, they finally came back to me and gave me a 16 week delivery wait. I lost the plot with ins co and gap and was surprised when gap said " oh by the way if your new car is longer than 12 weeks we will settle for you upto invoice value".
I stared at the ceiling and thought thank fook for that.

So same day Aviva paid me their share and GAP are still processing as it could take 10 working days.

Job done!!!

so your insurance co would not pay invoice cost even though car was under a year? or they did byt the gap insurance said they should get a new car and then it got messy> sorry for being a bit thick on this.

[W8PMC]

Ok so an update and to try and cut a long story short.

When ins co and gap were informed the day after the theft, the ins co were spot on and within hours offering a cash payout. I informed GAP with the payout and they said " but have they offered you a new replacement as under 12 months old"
Went back to ins co and they said yes and they only went payout route because I said I wouldn't want to ever own another RS6 again after being hijacked. So told gap also that under the circumstances I didn't want to have a replacement. Boom the bomb went off. "Well no Sir you must take the replacement and if you don't then you will have NIL benefit"
I had no choice but to accept replacement. After 2 weeks of third party specialists working to get me a new standard RS6 or PE, they finally came back to me and gave me a 16 week delivery wait. I lost the plot with ins co and gap and was surprised when gap said " oh by the way if your new car is longer than 12 weeks we will settle for you upto invoice value".
I stared at the ceiling and thought thank fook for that.

So same day Aviva paid me their share and GAP are still processing as it could take 10 working days.

Job done!!!

so your insurance co would not pay invoice cost even though car was under a year?

This was my confusion, but if I understand correctly the path Insurers follow if they offer new for old (under 12 months) is they offer a brand new like for like replacement, which is what happened to me back in 2002 when my TT got stolen. I guess the issue is they don't offer to settle with a cash alternative equivalent to the cost of a new car.

Still don't see the point of GAP though for year 1 unless you don't want your car replacing with another one should it be stolen.

[Eddie555]

Eddie can I ask how old your car was and what kind of depreciation the insurance were showing. I'm curious as mine was stolen back in July only 3 weeks old with no gap insurance. I was shitting it as I was unsure how much they would settle. Car recovered after a week unscathed and now full after market GAP in place.

Zee my car was 1st March 2015. It lost 20k.

[Eddie555]

My Gap was with MAPFRE and it states in their small print that " if a replacement is offered and it is rejected then nil benefit is paid" but nowhere did it say that there is a time span to which it must be replaced by. But it turns out that it has to be completed within 12 weeks which they don't tell you until you lose your mind as I did.
So basically Paul you are right that GAP could be useless in the first year if you don't mind having the exact replacement cause the insurance cover that bum hole but in my case I was only fortunate enough that the wait was 16 weeks and finally after a load of ear bashing they spilled the beans.

[Bit_evl]

Most insurance companies will respond to a positive approach to close a claim. At the end of the day successful closure and customer retention is generally their goal.

Try and get them to explain the low-ball number you are looking at (they don't pay VAT etc, they get a significant discount due to their hidden buying processes and volumes). In the case of a car like this and it also being quite young then it is not really difficult as they cannot talk about "mileage and condition" as soft elements to reduce the price.

Once you know where they stand then if you are interested in amending the spec of the car and paying the difference you can use their purchasing strength to get a better deal. I have done this with some HiFi in the past. If you let them do the buying then they re happy as they can follow their own rules in minimising spend on the resolution. The more you fight them the slower it goes.

Aviva in particular have a generally good reputation if you let them lead and ask for "guidance" in this way. I have no association with them but have been a customer in the past. There is almost endemic "enhancement" of insurance claims in many areas of the U.K. resulting in quite strong process enforcement in their business these days. The day a new iPhone is released the number of the older model that are dropped is staggering.

[Zeebuilder]

They do pay Vat

[Ian_C]

I don't get it. Why did the Gap have to pay out? If the car is les than a year old shouldn't the insurance company pay out the invoice value? Or am I being naive?

Apparently Mike no they don't. They only pay used car price. It's barmy I know and that's why I lost my head.
I even took it right up to the head of complaints department in the end with the ins.

Unfortunately this is Aviva for you

Sometimes trying to get an answer out of an insurance company is like talking to a brick wall

August 2016 would - touch wood - be ten years no claims for me. I'd like to know which insurance companies will declare 11, 12, 13 etc years no claims on their paperwork, and which just cap no claims at 10 or 10+. However, I think I would be fighting a losing battle trying to answer this question communicating with an insurance companies call centre

[Eddie555]

And to update all. Collected my new car today. I can put the past behind me and enjoy my new baby daughter and my new SQ5. Thanks everyone for all the support that you've all given me over the last month.

[doodlebug]

Good work chief, impressed you've cracked on despite the grief.

[Ian_C]

Looks good Eddie! Hope you are well.

[PJC]

Congratulations to you both on your new arrivals, now get the hell out of Brum!

[bam_bam]

It's still an S, so you're only half dead to us. We've just acquired a daughter on the thirteenth. Gorgeous little imp. I dread the young chap that shows up to my door in 16yrs for a date with her.

[doodlebug]

So glad I've got a boy. None of that dropping off/collecting to/from nightclub shenanigans to worry about.

[bam_bam]

Oh I've got one of those, too. He's three but he is obsessed with wearing princess dresses.

[PJC]

Oh I've got one of those, too. He's three but he is obsessed with wearing princess dresses.

Rule 1