[Juju]

Hi -

I work for an insurer in the claims dept, so hopefully can give some helpful pointers.

Firstly, establish the basis of their valuation. I got in april this year, £2125 for a curvy on a y place. It was lowish miles at 23k, and had extras like seat cowl, tinted screen, mini indicators and a s/h. Actually, I was delighted at the valation, and snapped their hands off. - But it must have been based on glasses guide,adjusted for those items.

I seem to recall your bike had pre existing damage and high miles, so £2k doesn't, at this time of the year, seem a poor deal. However, the £800 for salvage seems a very high figure. Ask for the engineers salvage value on the report, they are always low. A cat C/D vehicle might get a value of 12.5% to 25% of pav depending on age and insurer. £800 is excessive for a total loss'ed vehicle. My salvage was valued at £213 by the acc mgmt co, but then sold on, and some hopeful was trying to get rid of it for over £1200 on ebay a few weeks later!

Its a shame some insurers are still putting out low offers, as with modern onl line assessments linked to software with connections to valuation databases, its ripping off the customer, in my view. Certainly engineers, like all of us, can get htings wrong, but certainly all the engineers reports I see, are calculated on the basis of Glasses on line, with +/- for condition, extras, mileage ect.