Thursday, 6 January 2011

Always say no first?

So after crashing my car a lot of people were giving me advice on what happens with insurance, "they'll make you wait and offer you a low pay out hoping you'll accept," "always reject the first offer." That last one was said A LOT. 

I bought my car for £1500. I crossed my fingers that I'd be offered £11-1300, anythin between this figure I'd be happy with. Autotrader had similar cars for about £13/1400.

After almost a month of not hearing a peep from the insurance company and a few people asking if I had a new car yet, I tried chasing insurance company yesterday and was told I'd get a call back. I chased that call up today. A voice finally interrupted the hold music on the other end of the phone, I answered some questions, told them I was chasing up a month old claim and after a few seconds of silence the voice came, back;

"our loss adjusters blah blah blah, and your car is valued at £1382,"

More then I was hoping for. Almost matching the higher bracket of what I had found online for a similar car.

For a few seconds I tried to process this. Everyone had told me that the first offer would be rubbish, that I should reject it. I had to fight the urge to involuntarily say "no, next?" immediately. I kept thinking, "this is more then I had expected, is this some weird ploy? Or is this guy just not in the mood to haggle and offering best price first?" I then realised that I should say something, so I made him repeat the offer, just to be clear. It was the same four numbers. I said ok, I think I did, I was a bit confused. Like a verbal sucker punch in my ear. They said they'd send out the cheque in 5 to 10 days. I hung up the phone, still very confused by what had happened.

In 5 to 10 days, plus cheque clearing time, I should hopefully be in my new car. I'm thinking another Focus or Ibiza.

But that's when the real fun starts. I can then go job and flat hunting. As long as there's no ice.


Posted via email from itsmoirob's posterous

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