u/llRoopsll

So basically me and my partner were trailing to Hendon from Sowerby Bridge, we got the Northern train to Leeds which was on time at 10:58am, got on the LNER train at 12:10 and they cancelled due to someone jumping in the tracks in Stevenage, the people at the station told us to get on a train to Sheffield and a train to London from there as they weren’t going to be done cleaning the station until 3pm. So we did that, we arrived in London at around 4:18pm and got on the train to Hendon at 4:33pm which got us to our destination at 5:05 pm. These were advanced singles as we were picking up a new car and driving our way home. Now this is where the issue starts:

I can’t claim for a cancellation refund as we still traveled to the destination but when I’ve tried to claim through LNER for Delay Comp they say that the train was cancelled so I should claim for cancellation through Trainline, Trainline says I still did the journey so I should claim for delay through LNER. Am I doing something wrong or what? I paid £70 for the tickets, and ended up at the garage 2 hours late, so damn right they should pay me back. I won’t tell you about all the following issues we had….. it was a long day and riddled with bad luck 🙄 basically we got back home after midnight….

So my car was written off, apparently repairs would’ve been £3.5k and my car is only worth £2.7k 🙄

It was a claim made against the 3rd party, 100% liable as he reversed into me whilst I was parked. I still have the courtesy car paid by my insurer until Monday, my car is due to be taken to their co-part garage today, they gave me £2.4k as settlement due to some damage to the door (my own fault that I never claimed on obviously) I’d say that’s a fair price.

However, I was looking at quotes on other cars and it’s going for to be extortionate to insure for a crappy car I don’t even want. Cheapest option I’ve found is a 59 Honda Civic which I wouldn’t mind having but that’s £1.7k which leaves the question why is that cheap for under 100k miles, it’s 1.3k for me to insure but monthly it’s £450… per month!! How on earth is that even a conclusion. I have 30 days to get a car before my insurance cancels or I can cancel myself but have to pay the remaining premium as the claim is still ongoing. If I pay this, and wait to save some money for a better car that’s going to last longer than a year I’m then going to have a gap in insurance coverage even though I don’t have a car and that will increase my premiums again, so I don’t know what to do, any advice I would be grateful for

Train Cancelled, LNER want me to go through Trainline, Trainline says LNER

Car written off, settlement paid, not sure what my next option is