Just wait until you have a close to write off accident. This is the insurance that I have and since the hail damage its been a constant battle for me to get any sence out of Budget Direct.
The main problem with Budget Direct is Market Value is about $4000 to $5000 below true market value. They also run on about 50% write off whereas others 60 - 75%.
So, in my case, a low Market Value coupled with a 50% write off makes my hail damaged Disco very close to being written off. They have agreed to repair it, at this stage. I am looking at a very shoddy repair on an immaculate Discovery in my eyes worth about $18,000.
I have been advised that 'Do not be surprised when you drop the car off for the repairs that a day or two later...'Sorry, but we have reassesed your vehicle and we have decided to write it off.'
It will then appear down at the auction house and someone will get a slightly hail damaged Disco cheap. Budget Direct will get their money back easily and it will not cost them a cent, if not make $$$$$.
And then I have to go and spend another $10,000 on top of my payout to get exactly the same car back i.e. Discovery Td5, 180,000k's, etc.
Go figure
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