Some progress !
Revised offer of £10,600 from the independent valuers, glad I stood my ground, the original offer was £7000 !
I think this is more realistic and have accepted the offer, funds in my account within 24 hours.
Now waiting for the salvage company to contact me to arrange collection, pretty sure I will get emotional when it goes.
Still having an ongoing battle with the insurer though, regarding the provisions of the 'legal protection' policy that they sold me.
I quote from their email dated 7th March 2023:
We have recently been advised of an incident involving your vehicle. We are writing to remind you that you opted for the following Policy Upgrades when you bought your motor insurance and may be eligible to claim off one or more of them:
Motor Legal Protection - covers you for £100,000 of legal expenses to recover compensation for personal injury and other uninsured losses (such as your excess) in the event of an incident that is not your fault, as long as there's a reasonable chance your claim will succeed. It also covers you for a £500 payment if you're hit by an uninsured or untraced driver. If you are looking to make a claim on your Motor Legal Protection please call -------------
The wording appears unambiguous to me, the driver fled the scene, we have no registration number, the police have been unable to secure a vehicle identification from CCTV footage, therefore, he (or she) is 'untraceable'
I have politely requested my £500, they have then attempted to pass the responsibility to a third party company that underwrites the policy and tell me that my request has been declined because there is no 'third party' to claim from.
I less politely pointed out that, surely, this is the textbook definition of an 'untraceable driver' and that their own email alerted me to the fact that I can claim in these circumstance, furthermore, I was sold the policy by them (my motor insurance provider) and that any dispute regarding the payout is between them and the company they have chosen to farm the policy out to, rather than an issue that involves me.
Every time I call the insurer, I get someone different, invariably 'working from home', who then tells me that this particular bit of motor insurance claims is not within their field of expertise.
Can't help myself and then have to ask 'why are you answering the phone for the claims department then ?'
Now waiting for 'a manager' to call me on Monday, having had to forward them their own email to reveiw the content !
Only £500 but for me, it's the principle.
My personal theory is that this email is a generic one that goes out to anyone who makes a claim and has legal protection 'flagged' on the system, and has probably not been amended for years.
I am betting that in the past the policy did cover 'untraced drivers', but the current provider does not offer this benefit ?
Just a minor bit of mopping up really, I consider that I have already won the war.
Now to decide what to do next ?
Another X350 XJR ?
X150 XKR (4.2) ?
XFR ?
or.............................
Audi RS6 Avant 4.2 V8 Bi-turbo (a fast wagon would be handy and the only Jaguar equivalent is the XFR-S Sportbrake, very rare and way above my budget)