Revoked insurance offer

[andyflight10]

I have recently been dealing with a third party insurer. A cement mixer destroyed 35m of 40 year old hedging on my property, when it tipped over on the adjacent road. the other party accepted full responsibility and asked us to get quotes for repair and reinstatement work. They were satisfied with the quotes after completing their own checks (not sure exactly what they did). However they wrote to us via email to confirm they were offering our suggested figure in full, and asked us to write back with account details for payment should we wish to accept. We duly did this and awaited payment. 2 days later we received an email to say they had decided against the offer and would review it. They them offered less than a 1/4 of the amount. my question here is have they not created a legally binding contract of which we have sealed by accepting the offer. So can they indeed withdraw the original offer?

[PallasAthena]

Can you clarify who made the offer please. Your thread title refers to "insurance offer" but your description suggests this is an offer/acceptance agreed between you and the third party. No mention of any insurance being involved.

[andyflight10]

Yes apologies - it was the third parties insurance representative that made the offer

[PallasAthena]

Have the insurers explained why they "decided against the offer and would review it."?

[andyflight10]

They simply said despite sending people to site to review and reviewing the quotes in house, they felt they wanted to have another look at it.

[andyflight10]

They have since come back with an offer which includes replacing 40 year old establish hedging (13ft high by 8ft wide) 35m in length, buy 3 year old new hedging. Our understanding under law is that they should be looking to replace like for like or as close to it as possible so as not to leave us in unnecessary disadvantage,.

[atticus]

It is possible that a binding contract was concluded, but I would need to see the exact wording of the insurance company's offer and your acceptance.

[andyflight10]

Hi do I post the wording in here or can I send it to you somehow?

[atticus]

here

[PallasAthena]

andyflight10 remove anything that could identify you before posting though - names, addresses, reference numbers.