Financial compensation
Discussion
Hi all, bit of a strange one here, just appreciate people’s views on this.
My SUV was stolen from the main dealer while in for a service. Recorded on CCTV, guy grabs a set of keys via an unlocked side door, goes round the car pound ‘til one flashes - mine - and drives off…
Dealer has been apologetic and we have a nice fairly new demo provided in the meantime.
Currently they say they’re waiting on their insurance- not mine - but I’m thinking that they need to step up and make sure were looked after, irrespective of their claim which I don’t really care about. They lost the car, potentially negligent, they’re an established main dealer and need to make a good offer to sort this out.
We weren’t planing on upgrading the car as we’ve had it from 6 months and was totally reliable and fully serviced.
WBAC price for my car is £14250. New ones are about £45k as mine was 2018 and 75k miles.
What do people think would be a fair compensation bearing in mind the very unusual circumstances?
My SUV was stolen from the main dealer while in for a service. Recorded on CCTV, guy grabs a set of keys via an unlocked side door, goes round the car pound ‘til one flashes - mine - and drives off…
Dealer has been apologetic and we have a nice fairly new demo provided in the meantime.
Currently they say they’re waiting on their insurance- not mine - but I’m thinking that they need to step up and make sure were looked after, irrespective of their claim which I don’t really care about. They lost the car, potentially negligent, they’re an established main dealer and need to make a good offer to sort this out.
We weren’t planing on upgrading the car as we’ve had it from 6 months and was totally reliable and fully serviced.
WBAC price for my car is £14250. New ones are about £45k as mine was 2018 and 75k miles.
What do people think would be a fair compensation bearing in mind the very unusual circumstances?
Edited by SpyderMatt on Monday 30th September 21:25
Edited by SpyderMatt on Tuesday 1st October 21:17
I'd expect a courtesy car and either the retail value of your car (if it was on their forecourt) or a very good deal on a car or your choosing from their stock. And for you to be able to choose which of these options you prefer. I don't think anyone reasonable could realistically argue if you asked for that.
I think them simply handing over the insurance payout would be a bit of a kick in the teeth, although this might be the extent of any obligation, baring a replacement vehicle in the interim.
I’d be looking for them to help source a suitable replacement vehicle, or topping up the insurance payout by a grand or two if left to your own devices to find a car yourself.
I’d be looking for them to help source a suitable replacement vehicle, or topping up the insurance payout by a grand or two if left to your own devices to find a car yourself.
I’d agree. Their legal obligation is probably limited to handing over a full and reasonable insurance pay out .
Their moral obligation is maybe somewhat more pressing for them. I’d like the full insurance pay out, and for them to source a like for like replacement and sell it to me at the insurance pay out sum, regardless of their losses etc. and probably a service plan etc chucked in as a sorry.
Their moral obligation is maybe somewhat more pressing for them. I’d like the full insurance pay out, and for them to source a like for like replacement and sell it to me at the insurance pay out sum, regardless of their losses etc. and probably a service plan etc chucked in as a sorry.
Richard-D said:
I'd expect a courtesy car and either the retail value of your car (if it was on their forecourt) or a very good deal on a car or your choosing from their stock. And for you to be able to choose which of these options you prefer. I don't think anyone reasonable could realistically argue if you asked for that.
He’s already been given a courtesy car. A main dealer is unlikely to have a 2008 car on their forecourt, although I suppose possible, depending on the marque.Assuming the dealer don't have any comparable cars themselves, I'd suggest going on AT and looking for a comparable car of similar age, mileage and service history as yours, and asking for that much as a starting point. Alternatively the dealer can source a similar car and offer it to you I suppose.
If a third party had written off your car, then you would be entitled to be put back in the same position as you were before - so effectively the retail price of your car.
That should be the bare minimum you should get back from the dealer/insurance company.
Looking on AT will give you a guide although probably not what yours was worth to you with the mileage condition etc.
I would be looking for the dealer to go above that value given their clear negligence so I would push for them to locate a vehicle for at probably more than the insurance value and then plenty of extras thrown in such as free servicing etc.
That should be the bare minimum you should get back from the dealer/insurance company.
Looking on AT will give you a guide although probably not what yours was worth to you with the mileage condition etc.
I would be looking for the dealer to go above that value given their clear negligence so I would push for them to locate a vehicle for at probably more than the insurance value and then plenty of extras thrown in such as free servicing etc.
samoht said:
Assuming the dealer don't have any comparable cars themselves, I'd suggest going on AT and looking for a comparable car of similar age, mileage and service history as yours, and asking for that much as a starting point. Alternatively the dealer can source a similar car and offer it to you I suppose.
Yep this. I would look for astonishing value on a newer car from their stock - they will find it easier to give you a car from their stock at cost to them, plus what they get from their insurers, than to give you the cash they get from the insurers plus cash over from their own resources. And a 2008 car is getting on a bit, did you really mean 2008 cause if so the WBAC price seems high and I am also surprised you would go to a main dealer for service.
They should not keep you waiting, but if you have a new loan car in the meanwhile that is not a problem to you.
They should not keep you waiting, but if you have a new loan car in the meanwhile that is not a problem to you.
SpyderMatt said:
Thanks all, good to hear a few views. Yes, meant 2018 not 2008,, sorry..
I must admit I’m expecting retail plus 3 grand plus as a minimum tbh
Seems a tad bullish, but best of luck. Given that we’re now only talking about a 6 year old car, I think they should be able to source a like for like replacement, ensure its tip top, provide you with a warranty and maybe a free service, and off you go. I must admit I’m expecting retail plus 3 grand plus as a minimum tbh
SpyderMatt said:
Thanks all, good to hear a few views. Yes, meant 2018 not 2008,, sorry..
I must admit I’m expecting retail plus 3 grand plus as a minimum tbh
I did wonder who on earth would take a 2008 car to a dealer - I was thinking maybe it was a Cayenne.I must admit I’m expecting retail plus 3 grand plus as a minimum tbh
As it's 2018 I'd be looking for the dealer to replace it, unless you'd rather have the money.
SpyderMatt said:
Thanks all, good to hear a few views. Yes, meant 2018 not 2008,, sorry..
I must admit I’m expecting retail plus 3 grand plus as a minimum tbh
Realistically you are probably looking at a replacement vehicle a bunch of flowers and maybe a free service or two.I must admit I’m expecting retail plus 3 grand plus as a minimum tbh
As long as you have a new courtesy car there's no rush is there?
TownIdiot said:
SpyderMatt said:
Thanks all, good to hear a few views. Yes, meant 2018 not 2008,, sorry..
I must admit I’m expecting retail plus 3 grand plus as a minimum tbh
Realistically you are probably looking at a replacement vehicle a bunch of flowers and maybe a free service or two.I must admit I’m expecting retail plus 3 grand plus as a minimum tbh
As long as you have a new courtesy car there's no rush is there?
SpyderMatt said:
Thanks all, good to hear a few views. Yes, meant 2018 not 2008,, sorry..
I must admit I’m expecting retail plus 3 grand plus as a minimum tbh
An extra £3k (or more) on top of retail price seems excessive and even greedy. I must admit I’m expecting retail plus 3 grand plus as a minimum tbh
If your car was stolen from the drive, you wouldn’t expect to claim significantly more than it’s worth.
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