Quote:
Originally Posted by JonnyA
Feel for you on this - They certainly don't / do not want to understand.
Stick to your guns for a full repair (new engine) in your car.
You've had it from new, built to your spec. No doubt you've looked about but autotrader only has a couple that broadly match (age, milage) at £12-13k add in that (to you) these are wrong colour/spec & unknown and the cost to the insurer of the new engine isn't going to get close.
Unfortunately it could be time to warm up the legal beagles on your side - wishing you all the best on this & hoping they play ball.
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It will be written off. A new engine supplied and fitted by Volvo is likely north of £15,000 to £20,000. And with insurers choosing to write off vehicles at 30-50% of book value there is not a chance of getting a brand new 20K engine on a car that books probably at half that.
To the OP, it’s clear that you need to argue for the best payout you can get. I have heard of persons printing other advertised vehicles with similar servicing and schedules etc and achieving a fair and decent payout.
The legal route is an option however given that the insurers must legally put you back to the position you were originally in you may struggle. And with solicitors charging £xxx an hour you will soon be very deep out of pockets. Remember if you lose your case you have to foot the bill for the other side often.
Sorry to hear this.
On the upside it is good to know you have not been offered a 3K remanufactured or refurbished engine…