halfords Insurance Replacement scheme
the mvps
Posts: 49
Need some advice - as I'm sure someone on here will have had the same issue..........
Recently had my girlfriends Giant 3.5 xtc bike nicked
Insurance have appointed Halfords Insurance Department to replace the bike.
Aside from the usual "we'll phone you back in a hour & then don't and then deny you every phoned in the first place" nonsense that seems to accompany everything related to insurance claims.
Halfords have rang for details of the bike, which I gave them.
After a few chases, they finally got in touch and said that the Insurance company allowed them to offer a comparable bike of the same standard - fine by me, as I have no real loyalty to Giant.
The girl then said that we plan to give you a GT Aggressor 2.0 - which I then told her that while I did'nt know the GT range very well, I did'nt think that that was a comparable bike, but that I would go down to my local Halfords to check.
So, first thing this morning off I trot to find that the GT is nowhere near the standard of the Giant -
- Rockshock dart or something instead of Tora's
- Mechanical Disc brakes instead of Hydrolic
etc etc.
So I call them back and said that the Bike was'nt accptable and that I just wanted the Giant replacing. The lady then said we'll we'll have to revalidate (?????) the claim and come back to you as we may not be able to get the Giant.
So no responce as yet - but I am looking for some advice on how I move forward with this, as my gut feeling is that they are going to come back and say that they can't get a direct replacment.
How has anyone else dealt with this issue - the lady obvioulsy did'nt have any knowledge of bikes and clearly thought I was a pain the ars*, when I rejected the offer of the GT - which I put down to the fact that the GT is a Halfords stock model & a Giant is'nt.
Help Please !!
Cheers
Philip
ps - I am also posting this in the general section - so I cover more people for a responce - sorry if this annoys anyone !!
Recently had my girlfriends Giant 3.5 xtc bike nicked
Insurance have appointed Halfords Insurance Department to replace the bike.
Aside from the usual "we'll phone you back in a hour & then don't and then deny you every phoned in the first place" nonsense that seems to accompany everything related to insurance claims.
Halfords have rang for details of the bike, which I gave them.
After a few chases, they finally got in touch and said that the Insurance company allowed them to offer a comparable bike of the same standard - fine by me, as I have no real loyalty to Giant.
The girl then said that we plan to give you a GT Aggressor 2.0 - which I then told her that while I did'nt know the GT range very well, I did'nt think that that was a comparable bike, but that I would go down to my local Halfords to check.
So, first thing this morning off I trot to find that the GT is nowhere near the standard of the Giant -
- Rockshock dart or something instead of Tora's
- Mechanical Disc brakes instead of Hydrolic
etc etc.
So I call them back and said that the Bike was'nt accptable and that I just wanted the Giant replacing. The lady then said we'll we'll have to revalidate (?????) the claim and come back to you as we may not be able to get the Giant.
So no responce as yet - but I am looking for some advice on how I move forward with this, as my gut feeling is that they are going to come back and say that they can't get a direct replacment.
How has anyone else dealt with this issue - the lady obvioulsy did'nt have any knowledge of bikes and clearly thought I was a pain the ars*, when I rejected the offer of the GT - which I put down to the fact that the GT is a Halfords stock model & a Giant is'nt.
Help Please !!
Cheers
Philip
ps - I am also posting this in the general section - so I cover more people for a responce - sorry if this annoys anyone !!
0
Comments
-
You can put a post anywhere and still get the same amount of views since most people will use the "View posts since last" visit tab :P0
-
The word Halfords in your thread title will get loads of views anyway.0
-
Is your insurance 'like for like' or a value?
The Aggresor is certianly a cheaper bike, and not of the same componentry.0 -
Thanks for replys.
I have just checked and maximum payout is £500! - which does leave me in a sticky position, as I'm sure it would be difficult to get hold of a 3.5 XTC for £500.
Have to now hope that insurance company have just told Halfords to send them the bill ......
Either that or I push for a cheque, so I can negociate with a LBS........0 -
My experience with insurance claims (for cars) is if you haggle and stick it out they will usually move a long way, however your £500 limit, and any small print (like you must acept replacement rather than cash) will limit you somewhat, however if you are unhappy with an alternative I see no reason why you should have to take it rather than have the cash to add to yourself to get the bike replaced as per the original. If you got the cash to spend anywhere you probably could get a better bike especially at this time of year (cheap 07 models).
Read the small print and take a firm line to hold them to it.0 -
Ive had loads of problems with my mantra !! have a look at 'the last straw' thread.0
-
What has that got to do with this thread?!
For 500 take a look at the carrera Fury too.0
