To accept first car valuation offer

[Moon30]

Sorry, I've not a clue if this is the correct place to post this 🙈

My car has just been written off, no fault of my own, it was parked up for the night. Anyhoo my insurance have offered around £3300 which is minus some damage to the alloys that was pre accident 🙈

This is my first time claiming on insurance, do we accept the first offer or do we try our luck? Are they likely to reduce the first offer if we decline and they decide its not worth more? Looking on places like autotrader and parkers, they have the same car with the same model and similar low milage up for between 4-5.5k (mine is a premium model so it has some extra features compared to the standard model). Obviously those don't have damage to their alloys though and they're clean compared to mine with 3 kids 🤣

They're collecting my car tomorrow and i'm worried if I decline it and they look at it and decide maybe it's not worth the 3.3k either 🙈

£4-5.5k is quite a wide range! Would replacing the alloys cost £700?
They would only reduce the amount offered if they realised they had made an error in their first offer. They wouldn't reduce it just because you'd challenged it.
I would pick the 2 closest examples to your car and send them to your insurers to reconsider their offer.

Sorry it's 4.5-5.5k. There's even one for 6k with 10,000 more miles on. I'm not sure why that one is so much higher, it's just a different colour but exactly the same model 🤷‍♀️

I'm just worried they collect it tomorrow and think jeeze that's dirty and reduce the value 🤣 they've been doing road works outside our house so they dug up the path and the grass so I've just given up keeping it clean now 🙈 it does also have a couple of marks on the other side, I'm not actually sure if they was visible on the photos of the car I sent them 😏 so I'm expecting deductions for that too

They won't care about it being dirty 😁

Would you be able to replace it with a similar size, age, spec, mileage car for £3300? If the answer is no, go back with your examples. Insurance companies are well used to customers saying no as everyone is always told to reject the first offer. If they don't budge, you've lost nothing by trying.

I wouldn't accept the first offer. They always offer low. Why would they do anything else?!