We have a 2015 Zoe which we have owned for about 18 months.
Around 3 weeks ago it was involved in an accident, a third party has admitted liability and we have been dealing with his insurers - Acorn who are a private hire specialist.
Damage to the car is just short of £5000, as a result it is a total loss, and it still drives and charges.
The offer from the insurance company was £6150, and the battery has to go back to Renault which will apparently cost £2500.
The insurer have reduced our settlement by £2500 as they state they are not liable for anything other than the market value of the car and as such it is down to us to cover the battery cost.
To add to our woes our gap insurer, Ala (replacement vehicle gap) have stated that they will be basing their settlement on the market value of the car, and ie £6150 and not what we are actually been paid, and this is apparently bacause they are not liable for losses apart from those relating to the damage to the vehicle.
Long and short is we are going to end up £2500 out of pocket, I can't help feeling this is very unfair and not helped by the extortionate charge made by renault.
I have taken legal advice and it appears my only hope is to pursue the driver directly, as I this relies on the fact that he can actually afford to pay.
Has anyone had a similar experience?, I spoke to our insurer RSA who stated that they would have dealt with the claim in the same way, I am now very nervous about getting another Zoe and need to be sure that I find an insurer who would cover the battery repatriation costs.
Any advice would be gratefully received.
Around 3 weeks ago it was involved in an accident, a third party has admitted liability and we have been dealing with his insurers - Acorn who are a private hire specialist.
Damage to the car is just short of £5000, as a result it is a total loss, and it still drives and charges.
The offer from the insurance company was £6150, and the battery has to go back to Renault which will apparently cost £2500.
The insurer have reduced our settlement by £2500 as they state they are not liable for anything other than the market value of the car and as such it is down to us to cover the battery cost.
To add to our woes our gap insurer, Ala (replacement vehicle gap) have stated that they will be basing their settlement on the market value of the car, and ie £6150 and not what we are actually been paid, and this is apparently bacause they are not liable for losses apart from those relating to the damage to the vehicle.
Long and short is we are going to end up £2500 out of pocket, I can't help feeling this is very unfair and not helped by the extortionate charge made by renault.
I have taken legal advice and it appears my only hope is to pursue the driver directly, as I this relies on the fact that he can actually afford to pay.
Has anyone had a similar experience?, I spoke to our insurer RSA who stated that they would have dealt with the claim in the same way, I am now very nervous about getting another Zoe and need to be sure that I find an insurer who would cover the battery repatriation costs.
Any advice would be gratefully received.