kwakdonut
MB Enthusiast
- Joined
- Jul 22, 2006
- Messages
- 2,744
- Location
- Highworth, Wiltshire
- Car
- Frod Mundano TDCi, Kawasaki z650
... but it sounds like they want to evade paying out for the repair.
They will try to find any excuse to not pay out/reduce payment. Remember that insurance is 'faith' based, ie you declare that the car is as you say it is and they believe you, so when it comes to paying out they then check up on you and the car. You have promised to keep the car MOT'd, Taxed, serviced and in roadworthy condition. You've also promised to tell the insurance company if you make any changes etc.
Now is the time to scrutinise the small print of your policy!!!
They don't do it deliberately they are just following their T's&C's (you know, those things we rarely read when we take out insurance!)
You will have to declare the accident/repair whether you fix it yourself or get a garage to do it. Personally, I would probably fix the car myself with good quality 2nd hand bits as previously mentioned.