10 August 2017 at 10:51 am #118045
My daughter was followed home by 3 car loads of men and when she parked up, 4 men in balaclavas attacked her and stole her car at knifepoint. Her car was a white Audi A1 little sporty thing!
The car is on PCP with Audi and was her pride and joy having worked 2 jobs 6/7 days a week to afford it. She is traumatised and scared to drive on her own and get in and out of the car.
Her insurance company have said that she has to have an identical car to the one she was attacked for, but she REALLY can’t face driving a car that will make her feel as if she’s in the same situation again.
We appreciate she is tied to Audi but in these horrific circumstances do you think she could get a different colour car if she HAS to have an Audi?
11 August 2017 at 11:00 am #118061
Hi Patrick. If her insurance policy has a like-for-like replacement policy, then they will replace the car with an identical model (assuming that model is still available). If it’s not a like-for-like situation then they would simply give her a cash payment.
The reasons for this are generally to make sure that the replacement car is not a better, more expensive, more desirable model than the original – insurance fraud is a real problem and there are plenty of examples of people having their car ‘stolen’ as a means of getting rid of it at the insurance company’s expense.
I would suggest that you try and go higher up the chain with the insurance company to see if there are any alternative options. Other colours might be more expensive and also change the insurance premium, which means it’s no longer like-for-like.
Of course, changing the colour of the car might not actually make her feel any better – it will still look and feel the same from the inside, and it’s still the same model car after all. So you could end up battling for a different colour and then find that it doesn’t really help her feel better after all.