Right my brother got car jacked and shot with a pelet gun in the back and in the arm, they carnt remove the pelet out of his arm as its to close to the bone or something.

anyway he gets a call today from the poilce, we have got your car and arrested the driver, great.

they got it back on the 9th and impounded it and now there saying that he need to insure it and turn up with the v5 (that hasnt turned up yet) and just the small matter of the impound charges that he has to pay.

wtf, how is that right?? the police said ring your insurance they might pay.

thats all well and good but he wasnt going to claim as his excess is £500 and its only a £1100 focus and the car was valued at £100 to the insurance to try and make it cheaper (still £1800 a year for a 1.6 focus)

so he now will have to sort his v5 could be 2 weeks then pay to get his car back i think he will end up just telling them to scrap it but even then they will want paying.
my point is this, you get up every day drag yaself to work, pay tax pay insurance pay petrol and then when you get fucked over alls they wanna do is fuck you again.

 

Was it not already insured?

 

yer but it was two weeks ago it was taken so he has got a new car to replace this one

 

Unlucky then

 

Seen this in the paper only happened down the road from me, scumbags!

As usual we the hardworking people who go out to make a living and support our families get screwed over by the government while they let these little scrotes run free and live off the dole.

What a fucked up country we live in!

 

know what it feels like. i got carjacked years ago when i first passed my test. luckily though - it was only a rover metro (i'm guessing they just needed a free ride home) why else would you take a rover metro...?

found it burnt out in handsworth the following morning.

absolute bastards - i loved that go-kart. used to bounce everywhere in it.

insurance paid out though.

...then i bought my first ford. (thankyou carjackers)

But yes - it's the story of every working mans life. You work your bollocks off to get what you want - then scum just take it for free, and abuse the system.

 

If there was a valid insurance policy on the vehicle at the time then surely they should pay out or cover the costs

 

there was but he did want to claim on his insurance.

 

I think if a car is stolen you have to inform the insurers... Or the police will have done so. Is the policy now cancelled?

 

Get some1 with traders 2 get it out for u

 

its the same with car crashes.

you and I have a crash into a tree at 90 with 4 up in the car no seatbelts and all would be dead or crippled for life.

4 scumbag joyriders/TWOCers etc have the same crash and they walk away without a scratch and still have the strength to run from the cops just after the crash.

 

Why did he not have a V5 before the car was stolen? Even if he only bought the car on the 9th I'd have thought he'd get a V5 by now.

The policy was in force when the car was stolen so it should be covered for stuff like this, and the costs will probably be enough to make a claim worthwhile. Does he have any NCB to lose yet?

There's also the fund for uninsured losses that might help. I don't know much about it but the police or his insurer should be able to point him in the right direction.

I'm pretty sure that if he hasn't told the insurer about the theft that could invalidate his current policy and will give them something to argue about on the old policy.

Finally, telling them the car was only worth £100 stikes me as pointless. The value of the car I'm insuring is of less importance than cost of compensating the 7 people it might run over at the bus-stop or the cost of the damage it might do to a line of Ferarris that it might destroy on Altrincham high street one Wednesday afternoon.

It could also be another excuse for the insurer to wriggle over a payout as they weren't given all the info but, perhaps more importantly, maybe it actually increased his premium instead of reduced it?

I don't know if insurers look at it the same way, but if I'm the insurer and someone wants to insure a £100 shed, I have to wonder how much care they will take of it, either in maintaining it or driving it, and that increases my risk. It's also why I don't take my car to run-what-ya-brung days - I don't want to share the track with a team of lads who chipped together to buy a banger to hammer round the track all day and just abandon it at the end of the event.

 

surely he has the green slip? this will be fine for collecting the vehicle. , get someone to collect it on a trailer or like above someone with a traders policy,

 

last may I had a MPV for about 2 months, it took 5 and a ½ weeks for the v5c to arrive!

I also had my another car wrongly confiscated! I had to pay out confiscation fees etc more than £170 and claim it back eventually - this took more than 3 months! I feel for you! I think you are going to have to contact the insurance company though. I would ask the police why you are being charged! Have you signed any forms consenting to to pay for the storage? Was the car lawfully seized from you? Can you show insurance Tax and MOT for the car up to at least when it was stolen?

Good luck

 

the issue here won't be if it was insured at the time of the theft it will be that it won't be released onto a public road without proof it is insured to be driven away.

 

Gents,
I think the OP's mate has insurance, the vehicle was not seized for no insurance. It was recovered as it was a stolen vehicle. Once found, generally a stolen car gets recovered for forensics. The costs of this recovery and subsequent storage are then payable to the recovery operator. Most folks just leave the payments down to their insurance company to sort. However, in this case the owner does not want the insurance company involved, so has to pay the costs himself. At least, that's my interpretation of the post.

 

spot on, he didnt want to claim because his insurance was expensive enough but as it turns out he carnt claim any way as he was only 3rd party,
as for the v5 he has spoken to the garage who he got it from and he has sent it off and the dvla have said they have got it but he just hasnt got it back yet.
he has told his insurance, there is nothing they can do as he was only 3rd party.
as for the £100 value it was just another way of trying to make it cheaper.

 

insurers arent stupid when it comes to value. As long as you arent silly with a high value, it only makes a small difference to the premium.

However it can make a big difference to pay outs on fully comp as they can and will if they are being arsey only pay out the claimed value if its less than "market value" and you screwed yourself over by doing it.

 

i spoke to an insurance broker once, he said they see lower value cars as higher risk, so valuing it at £100 probably cost more money to insure than it would be if it was at market value.