Originally Posted by
Fezza
Now, the assistance I require is as follows...
1. Is there any way I can argue with their valuation? After all, they were happy to take my premiums when I valued it at £2000... I do not have access to a GlassGuide, although the buyers guides I have read have said that £2000 is about right for this age and condition of car.
Get auto trader and look around the internet for examples of the car and the value it is selling for at the present time as evidence of what it would cost to replace, ask them where they get their valuation from
2. This was a non-fault accident, and as such I should retain my no-claims bonus (I assume). If they are not going to continue the policy, what happens with this?
If its non fault and gets proven as such, then you will keep your no claims
3. This was a non-fault accident, and as such I should either have my excess waived, or have it reclaimed from the third party. If my insurance not going to continue my policy after the settlement, what happens with this?
When I had a non-fault accident, I paid my excess which was claimed back of the other party and a cheque was sent to me
4. Anyone want 1/2 a days work fixing her for me? I can pay with a 16gb 2g iPhone... (j/k incase I am breaking any rules 
)
Is the phone modified in any way
failure to disclose this could invalidate your ability to get repairs completed
- good luck
mind you I would be careful how much you argue with the insurance company, if there is a dispute about the car being modified pushing the valuation may prompt them to tell you to go to hell and not pay a thing.