My HSV VP Stolen, stripped

[Troy711]

If they can't find who "stole" the car who pays the excess then ?

I'll tell you who doesn't... the insurance company!

[ephect]

I really wouldn't have thout this would be in the statutory write category.

[hi_ryder]

$3,200? that sucks dude. i had my rock stock vp calais insured with shannons for $5,500, and they paid every cent. after my excess and buyback (back for $200) i pocketed 4,400. after 8 years of spray painting and doing jobs for racv ammi and the rest of the cheap low rate mobs ive learned to steer clear of them. when it comes getting something back from the hard earned money you pay them, they cut corners and make you grab your ankles.....

[greenacc]

Thats ridiculous, not reregisterable because its got no wheels and no coil. That law was obviously passed by some scum bag polly who gets chauffer driven and doesn't even have a license.
At least ask them how much to buy it back. Someone on here would probably buy it from you for a profit for parts.

[pow3rslave]

so i just had a call with RACV/nrma (not the claims department, but with some data entry lady.)
she said i'd have to call claims dept tomorrow if i wanted to ask any question, but the gist of the notes on the case was that they will pay

$3,200
-550 (excess)
-650 (rego)
=2000

there's already been a shitfight about excess, so i'm not asking about that, but i don't know what to make of the rego thing
so i'm thinking they expect me to cash in my rego (which comes up every june) and that this comprises someting they can knock this amount off my payout.

has anyone come up against this with RACV insurance?

[aaronevolution]

I didn't think you could cash in your rego in Vic? I knows other states do it. Even still, you wouldn't get the full amount back.

[pow3rslave]

i just checked the pds for RACV

If you have Comprehensive Insurance and we consider your vehicle to be a total loss

we will:
pay you the agreed value or market value depending on the cover listed on your
current Certificate of Insurance after deducting:
- any unpaid premium, and
- any applicable excesses, and
- the unused portions of the registration and Compulsory Third Party Insurance (if applicable) that you are entitled to. What will be unused will depend on
the time between registration and the incident and the refund rules in your State or Territory.

i'll check what i could feasibly cash from this, if i can't cash anything, from the above statement, they shouldn't be taking anything. at most they should be taking less than half of the total rego, which i paid $624 for