If your vehicle is a total Loss/Write Off - Aviva
If your vehicle is a total Loss/Write Off - Aviva If your vehicle is a total Loss/Write Off - Aviva
The Aviva motor claims process if your vehicle is a write off/total Loss Firstly there are 2 types of vehicle write off/total loss: (1) Beyond Economic Repair (BER) This means repairing your vehicle does not make economic sense. The cost of repairing the vehicle is so high that is deemed a beyond economic repair write off/total loss. Should you decide to repair the vehicle anyway (at your own additional expense) and put it back on the road, you will require a certificate of roadworthiness. This certificate must be obtained from an independent engineer at your own expense. If this certificate is not obtained, we will not be in a position to put this vehicle back on cover. Any further queries in relation to this please refer to customer services or your broker if you have one. (2) End of Life Vehicle (ELV) If your vehicle has been categorised ELV (End of Life Vehicle) then this means it should not be put back on the road. As last owner of this vehicle you are obliged under EU Directive 2000/53/EC to have the vehicle scrapped at a registered ATF (Authorised Treatment Facility). Aviva will supply details of a registered ATF (Authorised Treatment Facility) so that you can easily arrange to have your vehicle scrapped. The process • If you qualiled and availed of one of Aviva’s recommended repairers you are entitled to a 1 litre courtesy vehicle for up to 10 days, in the event your vehicle is a write off/total loss. The garage or Aviva’s car hire partner, Enterprise Rent A Car will organise a courtesy vehicle for you. • The engineer will normally contact you/your garage within 24 hours to arrange a time and date for inspecting your vehicle. Please note the timeframe is subject to change during busy periods. • The engineer will call out and inspect your vehicle or in some cases do a desktop inspection by viewing images of your vehicle from their desk. If the engineer deems your vehicle a write off/total loss the engineer will place a value on your vehicle. This is known as the pre accident value/pre theft value or pre fire value. • If you suspect your vehicle is a write off/total loss then we recommend you research the realistic value of your vehicle. This will help speed up the claims process. The engineer will make contact with you and attempt to agree the pre accident/theft/fire value of your vehicle. • The engineer will also seek delnite offers for the damaged vehicle. The offer the engineer gets for the damaged vehicle is known as the salvage value. • On receipt of the Engineers report Aviva will communicate the following to you: Figures used in this table are for illustration purposes only. Any Settlement figures are subject to cover being in order and liability being accepted by Aviva. The figures below are inclusive of VAT therefore if you are VAT registered then the VAT will be deducted. Pre Accident/Theft/Fire value €10,000 Value of vehicle before the loss/damage. Less salvage value €2,000 Value of vehicle in its current damaged state. Less excess €300 The first amount of the claim that is not covered by Aviva and can be seen in your policy schedule. This is deducted from the settlement. Settlement from Aviva Settlement from the salvage dealer Combined payment to you from both Aviva and the salvage dealer €7,700 €2,000 To avoid storage and arrange this payment you need to contact the salvage dealer ASAP on the number provided below. €9,700
The <strong>Aviva</strong> motor claims process<br />
if <strong>your</strong> <strong>vehicle</strong> <strong>is</strong> a write<br />
off/<strong>total</strong> <strong>Loss</strong><br />
Firstly there are 2 types of <strong>vehicle</strong> write off/<strong>total</strong> loss:<br />
(1) Beyond Economic Repair (BER)<br />
Th<strong>is</strong> means repairing <strong>your</strong> <strong>vehicle</strong> does not make economic sense. The cost of repairing the <strong>vehicle</strong> <strong>is</strong> so high that <strong>is</strong> deemed a beyond<br />
economic repair write off/<strong>total</strong> loss.<br />
Should you decide to repair the <strong>vehicle</strong> anyway (at <strong>your</strong> own additional expense) and put it back on the road, you will require a<br />
certificate of roadworthiness. Th<strong>is</strong> certificate must be obtained from an independent engineer at <strong>your</strong> own expense. <strong>If</strong> th<strong>is</strong> certificate<br />
<strong>is</strong> not obtained, we will not be in a position to put th<strong>is</strong> <strong>vehicle</strong> back on cover. Any further queries in relation to th<strong>is</strong> please refer to<br />
customer services or <strong>your</strong> broker if you have one.<br />
(2) End of Life Vehicle (ELV)<br />
<strong>If</strong> <strong>your</strong> <strong>vehicle</strong> has been categor<strong>is</strong>ed ELV (End of Life Vehicle) then th<strong>is</strong> means it should not be put back on the road. As last owner of th<strong>is</strong><br />
<strong>vehicle</strong> you are obliged under EU Directive 2000/53/EC to have the <strong>vehicle</strong> scrapped at a reg<strong>is</strong>tered ATF (Author<strong>is</strong>ed Treatment Facility).<br />
<strong>Aviva</strong> will supply details of a reg<strong>is</strong>tered ATF (Author<strong>is</strong>ed Treatment Facility) so that you can easily arrange to have <strong>your</strong> <strong>vehicle</strong> scrapped.<br />
The process<br />
• <strong>If</strong> you qualiled and availed of one of <strong>Aviva</strong>’s recommended repairers you are entitled to a 1 litre courtesy <strong>vehicle</strong> for up to 10 days,<br />
in the event <strong>your</strong> <strong>vehicle</strong> <strong>is</strong> a write off/<strong>total</strong> loss. The garage or <strong>Aviva</strong>’s car hire partner, Enterpr<strong>is</strong>e Rent A Car will organ<strong>is</strong>e a courtesy<br />
<strong>vehicle</strong> for you.<br />
• The engineer will normally contact you/<strong>your</strong> garage within 24 hours to arrange a time and date for inspecting <strong>your</strong> <strong>vehicle</strong>. Please note<br />
the timeframe <strong>is</strong> subject to change during busy periods.<br />
• The engineer will call out and inspect <strong>your</strong> <strong>vehicle</strong> or in some cases do a desktop inspection by viewing images of <strong>your</strong> <strong>vehicle</strong> from<br />
their desk. <strong>If</strong> the engineer deems <strong>your</strong> <strong>vehicle</strong> a write off/<strong>total</strong> loss the engineer will place a value on <strong>your</strong> <strong>vehicle</strong>. Th<strong>is</strong> <strong>is</strong> known as the<br />
pre accident value/pre theft value or pre fire value.<br />
• <strong>If</strong> you suspect <strong>your</strong> <strong>vehicle</strong> <strong>is</strong> a write off/<strong>total</strong> loss then we recommend you research the real<strong>is</strong>tic value of <strong>your</strong> <strong>vehicle</strong>. Th<strong>is</strong> will help speed<br />
up the claims process. The engineer will make contact with you and attempt to agree the pre accident/theft/fire value of <strong>your</strong> <strong>vehicle</strong>.<br />
• The engineer will also seek delnite offers for the damaged <strong>vehicle</strong>. The offer the engineer gets for the damaged <strong>vehicle</strong> <strong>is</strong> known as the<br />
salvage value.<br />
• On receipt of the Engineers report <strong>Aviva</strong> will communicate the following to you:<br />
Figures used in th<strong>is</strong> table are for illustration purposes only. Any Settlement figures are subject to cover being in order and liability being<br />
accepted by <strong>Aviva</strong>. The figures below are inclusive of VAT therefore if you are VAT reg<strong>is</strong>tered then the VAT will be deducted.<br />
Pre Accident/Theft/Fire value €10,000 Value of <strong>vehicle</strong> before the loss/damage.<br />
Less salvage value €2,000 Value of <strong>vehicle</strong> in its current damaged state.<br />
Less excess €300 The first amount of the claim that <strong>is</strong> not covered by <strong>Aviva</strong> and can be seen<br />
in <strong>your</strong> policy schedule. Th<strong>is</strong> <strong>is</strong> deducted from the settlement.<br />
Settlement from <strong>Aviva</strong><br />
Settlement from the salvage dealer<br />
Combined payment to you from<br />
both <strong>Aviva</strong> and the salvage dealer<br />
€7,700<br />
€2,000 To avoid storage and arrange th<strong>is</strong> payment you need to contact the<br />
salvage dealer ASAP on the number provided below.<br />
€9,700
Salvage Dealer<br />
• The salvage dealer <strong>is</strong> a reputable person/business who normally special<strong>is</strong>es in damaged cars, either to repair, strip for parts or in the case<br />
of <strong>your</strong> car being an End of Life Vehicle (ELV) they will scrap the <strong>vehicle</strong>.<br />
• <strong>Aviva</strong> will adv<strong>is</strong>e you to contact the salvage dealer to arrange d<strong>is</strong>posal of salvage as soon as possible. Any charges incurred due to<br />
any delay in d<strong>is</strong>posing of salvage on <strong>your</strong> part will be <strong>your</strong> responsibility. <strong>Aviva</strong> will only cover storage (if liable) from the date<br />
we arranged the inspection until 2 days from the <strong>is</strong>sue date of the letter sent adv<strong>is</strong>ing these settlement details. The Salvage offer <strong>is</strong> valid<br />
for 10 days. <strong>Aviva</strong> will not be liable for any reduction in the salvage value due to a delay on <strong>your</strong> behalf.<br />
Help us to help you!<br />
• <strong>If</strong> you think <strong>your</strong> <strong>vehicle</strong> <strong>is</strong> a write off/ <strong>total</strong> <strong>Loss</strong> you should research the market value of <strong>your</strong> <strong>vehicle</strong>, so that you can agree a pre<br />
accident/theft/fire value on <strong>your</strong> <strong>vehicle</strong>, when the motor engineer contacts you.<br />
• <strong>If</strong> <strong>Aviva</strong>’s car hire partner, Enterpr<strong>is</strong>e Rent A Car supply the courtesy <strong>vehicle</strong> you will need to have the following ready:<br />
(1) You will need to have <strong>your</strong> driver’s licence.<br />
(2) You will also need to have a Debit/Credit card in <strong>your</strong> own name ready for the standard €1 deposit that <strong>is</strong> required by Enterpr<strong>is</strong>e<br />
Rent A Car. Th<strong>is</strong> deposit <strong>is</strong> used by Enterpr<strong>is</strong>e in the event you do not pay any parking lnes, tolls etc. in which case they will keep the<br />
deposit and charge <strong>your</strong> card the extra amount.<br />
• <strong>If</strong> you are claiming from <strong>your</strong> own <strong>Aviva</strong> policy, <strong>Aviva</strong> will normally require the following to enable settlement of <strong>your</strong> claim:<br />
(1) The Accident/Theft or Fire Report Form.<br />
(2) A copy of the Vehicle Reg<strong>is</strong>tration Certilcate (log book), the original will go to the salvage dealer if you avail of the salvage offer.<br />
(3) A copy of the NCT / DOE Certilcate.<br />
(4) The original insurance cert & d<strong>is</strong>c to be returned to <strong>Aviva</strong> Direct/One Direct/ <strong>your</strong> broker.<br />
*Further documents may be necessary and will be adv<strong>is</strong>ed in due course by the Claims Handler.<br />
<strong>Aviva</strong> Insurance Limited, trading as <strong>Aviva</strong>, <strong>is</strong> author<strong>is</strong>ed by the Financial Services Authority in the UK<br />
and <strong>is</strong> regulated by the Central Bank of Ireland for conduct of business rules.<br />
Reg<strong>is</strong>tered Branch Oflce in Ireland no. 900175. Reg<strong>is</strong>tered Branch Address One Park Place, Hatch Street, Dublin 2.<br />
Reg<strong>is</strong>tered in Scotland No 2116. Reg<strong>is</strong>tered Oflce Pitheavl<strong>is</strong>, Perth, PH2 0NH.<br />
EMOMG11544 03.2013
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