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Scooby_simon View Drop Down
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    Posted: 22 Aug 09 at 10:42pm

Originally posted by Merlinboy

SImon i dont have a copy of CAP with me if you can get hold of a dealer the number is printed on the title pge of each guide.  TThey should then be able to pull up a cap figure for the vehicle (mileage adjusted) I'm not trying to argue with you i'm just tying to share my expertise with this.  I have been working in the industry for a long time now, in fact the information in glasses and CAP has a lot to do with the company i work for.  I was also fully FSA a credited with selling motor insurance products etc. Though sadly now  (actually not so sadly) i no longer work in the front end of the industry i have no need for the creditation.  I wish you all the luck getting a replacement car as your Subaru was a little bit special and proably very hard to replace. 

 

Subaru told me yesterday that the car is NOT IN the cap guide as they are specials.  only 500 made and these cars went via Prodrive for enhancement, but still with full Subaru network support.

 

Their advice was that in the past, as the network cannot provide market data(hence why not in CAP), the insurance companies simply negotiate. 

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Of course, it could be worse....
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Posts: 3169 		Post Options Post Options   Quote Merlinboy Quote  Post ReplyReply Direct Link To This Post Posted: 22 Aug 09 at 8:42pm
SImon i dont have a copy of CAP with me if you can get hold of a dealer the number is printed on the title pge of each guide.  TThey should then be able to pull up a cap figure for the vehicle (mileage adjusted) I'm not trying to argue with you i'm just tying to share my expertise with this.  I have been working in the industry for a long time now, in fact the information in glasses and CAP has a lot to do with the company i work for.  I was also fully FSA a credited with selling motor insurance products etc. Though sadly now  (actually not so sadly) i no longer work in the front end of the industry i have no need for the creditation.  I wish you all the luck getting a replacement car as your Subaru was a little bit special and proably very hard to replace. 
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Scooby_simon View Drop Down
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Posts: 2415 		Post Options Post Options   Quote Scooby_simon Quote  Post ReplyReply Direct Link To This Post Posted: 22 Aug 09 at 8:13pm
Originally posted by Merlinboy

If your ring CAP they will be able to give you the price for it escpecially if it Glasses. CAP has a much bigger data range then glasses, if you get hold of a full experian report on the vehicle it should even have the CAP code.  Good luck trying to beat the insurance company.  They unfortuyantely don't have to source you a car and no insurance policy i new for old or old for old!  As stated before the insurance are not interested in paying the dealer margin fora start.  IF you want to get what you paid for a vehicle back after an acident you need to buy a GAP policy.  This covers the differnce between an insurance payout and what you paid for the vehicle.   I know its a pain in th arse and quite frankly bullsh*t, but these are the facts.

 

Last time I went head to head with an Inso co they offered me X.

After I presented them with the state of the REAL market, adverts etc and after much negotiation, they round to my wak of thinking and upped their offer by 20%.

 

I've worked in the market in the past for about 10 years and know how it operates.

You, as yopu state, will never get them to pay dealer markup; I'm not interested in that; dealers operate ina  world of their own. 

Much better to present a carefully argued case and they, in my experiece, will see the error of their ways.

 

Edit to add; can you give me the number for CAP, I'll ring them on Monday to check what Subaru said is correct.



Edited by Scooby_simon
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Posts: 3169 		Post Options Post Options   Quote Merlinboy Quote  Post ReplyReply Direct Link To This Post Posted: 22 Aug 09 at 7:48pm

If your ring CAP they will be able to give you the price for it escpecially if it Glasses. CAP has a much bigger data range then glasses, if you get hold of a full experian report on the vehicle it should even have the CAP code.  Good luck trying to beat the insurance company.  They unfortuyantely don't have to source you a car and no insurance policy i new for old or old for old!  As stated before the insurance are not interested in paying the dealer margin fora start.  IF you want to get what you paid for a vehicle back after an acident you need to buy a GAP policy.  This covers the differnce between an insurance payout and what you paid for the vehicle.   I know its a pain in th arse and quite frankly bullsh*t, but these are the facts.
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Scooby_simon View Drop Down
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Posts: 2415 		Post Options Post Options   Quote Scooby_simon Quote  Post ReplyReply Direct Link To This Post Posted: 22 Aug 09 at 7:44pm

Originally posted by Merlinboy

Simon if you need any help i work in the motor trade for a Major Auction company.  Can i just point out to people here though that the insurance company will never pay you retail money back for your car! They will only pay you CAP average/clean price for your vehicle (This is the true industry trade guide, they don't use glasses) They will not pay you for the dealers Margin (retail money) if you want them to then you should pay for total loss GAP or Vehicle replacement insurance when you buy your car new! I have been FSA credited amongst other things and unfortunately unless you pay a specialist insurer they wont care how many Subaru type uk's etc have been sold or change hands you will only get a trade price for your vehicle.  How can an insurance company be held accountable for how many vehicles the manufacturer sold of that type?

Trade price is the price THEY CAN source a car.  If they do not play ball I will use the same method I did when I had a car stolen.  OK, Find me a car and replace it.

Usually gets them in the mood. 

 

I was told by Subaru dealer that the Car is not in CAP.



Edited by Scooby_simon
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Merlinboy View Drop Down
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Posts: 3169 		Post Options Post Options   Quote Merlinboy Quote  Post ReplyReply Direct Link To This Post Posted: 21 Aug 09 at 11:44pm
Simon if you need any help i work in the motor trade for a Major Auction company.  Can i just point out to people here though that the insurance company will never pay you retail money back for your car! They will only pay you CAP average/clean price for your vehicle (This is the true industry trade guide, they don't use glasses) They will not pay you for the dealers Margin (retail money) if you want them to then you should pay for total loss GAP or Vehicle replacement insurance when you buy your car new! I have been FSA credited amongst other things and unfortunately unless you pay a specialist insurer they wont care how many Subaru type uk's etc have been sold or change hands you will only get a trade price for your vehicle.  How can an insurance company be held accountable for how many vehicles the manufacturer sold of that type?

Edited by Merlinboy
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Scooby_simon View Drop Down
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Posts: 2415 		Post Options Post Options   Quote Scooby_simon Quote  Post ReplyReply Direct Link To This Post Posted: 21 Aug 09 at 11:20pm
Originally posted by Andymac

Can you ask the insurance company to find the replacement, if you are offered too little?

 

Yes.

 

That then focusses THEIR mind on the problem.

They will struggle to find one of similar age, with similar low miles and in mint condition.

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Andymac View Drop Down
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Posts: 852 		Post Options Post Options   Quote Andymac Quote  Post ReplyReply Direct Link To This Post Posted: 21 Aug 09 at 8:16pm

Can you ask the insurance company to find the replacement, if you are offered too little?
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Scooby_simon View Drop Down
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Posts: 2415 		Post Options Post Options   Quote Scooby_simon Quote  Post ReplyReply Direct Link To This Post Posted: 21 Aug 09 at 2:37pm

pricing it is going to be "interesting".  Glasses do price it, but it's not accurate as only a handfull change hands every year (only 500 ever made).

Have already collated all the adverts I can find currently and we'll see.

 

 
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