Omega Owners Forum
Chat Area => General Car Chat => Topic started by: feeutfo on 05 October 2011, 19:51:53
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A total bill of...... £4800.00p ;D
Parts list includes complete steering assembly bar subframe and steering box. Stub axles, wheel barings, complete track rod assembly incl pitman arm and idler ??? drop links ???, re alignment for camber, toe etc.
Wing, door skin, repair bumper, bump strips, side repeater, badge.
Two sports star wheels £400 each, not available anyway.
Two sc3 tyres, 205 each... plus fitting and balance (I paid £160 fitted and balanced)
Waiting to hear from insurers engineer to confirm right off, no prizes there given full retail prices for GM parts. Wheel barings £133 each. These guys claim to be a dealer, so will have acess to parts at cost or however that works? and claim to be part of Vauxhall drivers scheme(?) giving acess to cheap panels for repairs to keep Vauxhall cars on the road. Or sumat...? :-\
What actually gets fitted to the car, who knows.
Anyway, who knows how buying back a write off works?
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ouch! insurance prices....gotta love em!
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No real surprise then Chris :'( :'(
Basically, AFAIK, if they deem it a total loss (which I think they probably will) you need to check what category they are putting it in. They are graded A-D (I think). If they grade it A or B then it cannot be put back on the road at all, C needs an inspection when the work is done (in light of the steering damage this is where I reckon it'll be graded) and D can go on the road straight away AFAIK :y
I'm reckoning it'll be Class C, so will need an inspection :( Good news is that there's no chassis damage :y
You need go through the normal dance with offers etc, then ask them for a price to buy back the wreckage (and repair it yourself) :y
But... And this is a biggie... The repair centre will be charging storage from the day (or possibly day after) it was collected, probably in the region of £25/day +VAT, so you need confirmation whether that has been included in the price. You'll need to bear in mind that the insurance company will want to move quite quickly on it too ;)
I may not be 100% correct with all that as I haven't been in the industry for 10 years but will be pretty close I expect... HTH :y
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Following what Paul just be said .. this might assist ??
https://www.autocheck.co.uk/InsuranceWriteOffs.html?persist_SubscriberID=100943&persist_ReturnPath=Homepage&persist_AffiliateID=0&AutoLocateID=63F78949647C86622AF0295F
HTH
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Forgot CAT F for fire damage :-[ :-[ :-[
Mind you, it was all from memory and 10 year old knowledge ::) ::)
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I bought back my cav gsi about 12 years ago and all i did was when a price was agreed that they were goning to pay me for the loss i then said i wanted to buy it back. They told me what they wanted for me to buy it back and took it out of the money they were sending me. Job was a good'un. :y
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Sorry to hear about the Miggy Chris, missed the posts about what happened.
Had 2 experiences with buying back accident write off's.
first was straight forward, engineer turned up , looked at it about 5 mins -" uneconomical write off" was the phrase he used . minor damage to front headlight, fog light & valance area, small dent in wing. Cat. D if I remember. I asked about buying back, he said no problem , car was valued by him on the spot at £1000, they took off 25% & my excess & we kept the car along with a cheque for £650. For a car we paid £600 for 2 years earlier. ;D ;D ;D
The other one was different . Insurance company wanted to write it off for minor damage to rear quarter & 1 rear light unit. Uneconomical write off again. Asked about buying back. They did not want to know & said that option was not available. . so dropped the claim & repaired it myself.
So bit of a minefield IMO. Good luck though ,hope it works out alright for you :y :y
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I bought back my cav gsi about 12 years ago and all i did was when a price was agreed that they were goning to pay me for the loss i then said i wanted to buy it back. They told me what they wanted for me to buy it back and took it out of the money they were sending me. Job was a good'un. :y
Yeah, should have added that ;)
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You need to keep tabs on the car as it is not unknown for them to dissapear into the ether, tell the insurance and the repairers that the car is not to go anywhere until you have settled one way or another.
Cat C can be repaired and used by you WITHOUT an inspection but any subsequent owner will not get a new V5 until it has had a VIC check.
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Should have added this to my previous post :-[ :-[
The problem with your situation as I see it is that , your car is not a run of the mill Omega, do they increase the value of it because of it's
excellent condition &maintenance record?
Or do they have an average age related scale of value ? :-\ :-\ :-\ :-\
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Quite often the buy back price is 20% of the value
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Yes 20% sounds familiar. It's going to ne a case of proving the value. There been talk of 2.5k on parkers web site, and up to 3.5k going by auto trader. But all are lesser cars in regard of either age, mileage, log, and Irmscher stuff if that your bag. New tyres suspension I guess will count for jack.
But this is the thing, what do they look at for value? Obviously what's cheapest for them first off, but after that...? I am expecting a couple more days of inaction and a few polite rows on the phone. Mean time it will be 10 days at best to do nothing practical exceppt run up more bills.
Lucky I have her brah burner pooloo. :-X ;D. Shouldn't knock it, but it's making me appreciate what i am missing.
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Fortunately you declared everything so you have grounds to fight a little harder ;)
I'm guessing that there has been no decision on blame yet? (A little early for that really)
You should be able to push them to somewhere near AT prices if you point out that yours is lower mileage and better condition (plus the extras) than those you are supplying as comparison :-\
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Fortunately you declared everything so you have grounds to fight a little harder ;)
I'm guessing that there has been no decision on blame yet? (A little early for that really)
You should be able to push them to somewhere near AT prices if you point out that yours is lower mileage and better condition (plus the extras) than those you are supplying as comparison :-\
AT price?
Generally though, thanks for links, inputs and experiences guys. All helps. ;)
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And no, no blame yet. ...sigh.
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AT = Auto Trader ;)
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AT = Auto Trader ;)
Sorry, yes ;D
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ouch! Not that bad though, I backed into a brand new VW Passat, I took out its wing/bumper and front headlight, that repair bill was £2.5k :o
Guess at that price it will be classed a write off :'(
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Forgot CAT F for fire damage :-[ :-[ :-[
Mind you, it was all from memory and 10 year old knowledge ::) ::)
Come on mate, we know you are smarter than a 10 year old! ;D
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Forgot CAT F for fire damage :-[ :-[ :-[
Mind you, it was all from memory and 10 year old knowledge ::) ::)
Come on mate, we know you are smarter than a 10 year old! ;D
Says who? ::) ::) :D :D
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'Scuse my ignorance Chris, but what happened - don't recall seeing any threads on you having a prang? :-\
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'Scuse my ignorance Chris, but what happened - don't recall seeing any threads on you having a prang? :-\
It's contained in this thread: Is this a Record? (http://www.omegaowners.com/forum/index.php?topic=93979.15)
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I'm scrapping a car this weekend - you're not too late to get parts of it cut off if needed. Call me tomorrow afternoon at the latest
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Sounds like your getting on well with your new Plasma cutter then! :y
Still looking around for one myself and have cash burning a hole in my pocket!
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Sounds like your getting on well with your new Plasma cutter then! :y
Still looking around for one myself and have cash burning a hole in my pocket!
if only you knew.
I'd wholeheartedly recommend the cheap (ish) one from Plasmapart
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Finally, engineer reports, it's a write off. Genius.
However I have also been able to discuss options with the claim manager. They are prepared to entertain a part repair. They fix the suspension and steering and I fix the cosmetic damage myself, second hand door and wing, or whatever. It was too late in the day to finalize plans and get this agreed, if possible at all. I guess that will depend on the maths.
Almost exactly seven days since and progress is..... Slow, to say the least.
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Well its moving forward, its clear it was going to be a write off. Almost any impact on an Omega will mean a write off these days :'(
Just need to bargin with them now :y
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Finally, engineer reports, it's a write off. Genius.
However I have also been able to discuss options with the claim manager. They are prepared to entertain a part repair. They fix the suspension and steering and I fix the cosmetic damage myself, second hand door and wing, or whatever. It was too late in the day to finalize plans and get this agreed, if possible at all. I guess that will depend on the maths.
Almost exactly seven days since and progress is..... Slow, to say the least.
That sounds like a good plan if the costs work out as at least you can then drive it while sourcing and fitting body parts
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I'm assuming "Part Repair" means that either they will do the steering and suspension as discussed but not pay you out or that you'll have to pay for it out of the agreed settlement though :-\
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"Partial Repair" ... :-\ :-\ :-\ :-\
It's a possibility I guess, but one I've not heard of before. I suppose it all boils down to what they'll pay for, what you have to pay for, and what "other" finacial agreements are made..... complicated... :(
One thing that does occur to me .. it won't be a write off so no Cat C,D etc to worry about ... that "might" affect insurability. Resale probably doesn't matter as you'll most likely keep it until it dies .. :)
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"Partial Repair" ... :-\ :-\ :-\ :-\
It's a possibility I guess, but one I've not heard of before. I suppose it all boils down to what they'll pay for, what you have to pay for, and what "other" finacial agreements are made..... complicated... :(
One thing that does occur to me .. it won't be a write off so no Cat C,D etc to worry about ... that "might" affect insurability. Resale probably doesn't matter as you'll most likely keep it until it dies .. :)
That strikes me as the only possible advantage to Chris. The repairer returns a roadworthy (but tatty cosmetically) vehicle, hence it's not written off (or at least I'd insist it doesn't get written off).
I suspect, though, that they see they can make it roadworthy for less than a full write-off payout. They are an insurance company, after all, and would only suggest it if it saves them a buck.. IMHO. :-\
But, if they'll take the money out of the write-off payout and use that to fix it it's worth going for, unless their cost of repair is excessive, of course. What are we talking about? A few front suspension parts from a breaker, shocks, springs, bushes, wheels and tyres plus a few hours labour?
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I would suggest having the car returned to you until anything is agreed. The last thing you need is for it to be removed and lost in the system. I've had to wait 6 months to get a car returned having been written off as a stolen recovered. It spent the whole winter outside with all the windows open. Had no choice but to scrap it then as became totally donald >:(.
Having the car on your drive will ensure that you know where it is. Also, you may find that the king insurance tw4ts have already registered it as a write off. Have suffered from this as well.
I suspect that the best outcome will be 50/50. :-\ Third party involvement, however dubious, will always complicate things. Try and avoid a courtesy car as well.
For reference, my local stealers, Stevens Vauxhall are now charging £25ph + vat for accident repairs.
Having read the linky thing: Glad to hear both OK. try not to stress too much about the whole thing, and above all keep a close eye on those pesky insurance tinkers. :y
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It's coming home today. :)
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It's coming home today. :)
Great news! :y :y :y
With front suspension fixed!? Or is that still to argue?
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Chris if you need a workshop or lift facility before the gathering drop me a PM :y
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Nope they wouldn't entertain the idea. Possibly still too expensive v the value of the car.
Will be cat c and Mot to cover again. They tell me they are still to value the car via glass's web site. don't like the sound of that tbh. Plus if they class it as cat c they must know the value already surely?
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Maybe get some examples from Roger Budden ready to increase value quote? From what I hear, always refuse first offer :)
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Cheers G but should be ok. Ta
So who wants to guess the value? Pas side b4 shock to the nearest post. ;D
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Cheers G but should be ok. Ta
So who wants to guess the value? Pas side b4 shock to the nearest post. ;D
Around 1800 I reckon with the mods you've declared,you can keep the b4 though,I've nothing to fit it too ???
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was the Irmscher stuff declared on policy?
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was the Irmscher stuff declared on policy?
Most policies don't cover the "value of modifications" though (so you only get the value of a car without the bits) ..
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was the Irmscher stuff declared on policy?
Most policies don't cover the "value of modifications" though (so you only get the value of a car without the bits) ..
So they charge you more when you modify it, but then don't cover the mods :(
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was the Irmscher stuff declared on policy?
Most policies don't cover the "value of modifications" though (so you only get the value of a car without the bits) ..
So they charge you more when you modify it, but then don't cover the mods :(
Yup! The vast majority of policies from 'highstreet' insurers are like that; it's generally only specialist brokers who will cover the value of mods (like Adrian Flux, Sky, etc etc) and/or replace them on a like for like basis.
Of course with Irmscher stuff it's a bit more 'grey' as it's technically factory fit options, but some insurers still consider those aftermarket modifications and will just stuff a standard bumper etc back on..
Insurance shafts you pretty much every which way, really!
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was the Irmscher stuff declared on policy?
Most policies don't cover the "value of modifications" though (so you only get the value of a car without the bits) ..
So they charge you more when you modify it, but then don't cover the mods :(
Correct. No different you your LPG modification. If the car is declared a write off, the value will be that of an unmodified 2.2CD in similar condition.
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Cheers G but should be ok. Ta
So who wants to guess the value? Pas side b4 shock to the nearest post. ;D
Given the mileage, just under 2.5k maybe :-\ :'(
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I bet they have offered something rediculous like £1800 :(
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Right... LPG mods are sometimes treated to a very small increase in payout, depending on insurer (More than and Liverpool Victoria are 2 that spring to mind) but not even enough to cover the cost ::)
I'd punt in at £2400 (top end, final offer) as the valuation :'( :'(
As suggested, gather the evidence and get ready for the argument discussions :-X
No pint in trying to push it with Budden prices only but try and get at least one of his cars in as an example :y
Good luck
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I reckon they'll offer £1200 as a payout..
P.S. Some of us are daft enough to pay Budden's prices.. :-[
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P.S. Some of us are daft enough to pay Budden's prices.. :-[
If the car is right and your happy with it, all that matters :y
From what I see his prices are high, but the quality of cars is also very high.
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I reckon they'll offer £1200 as a payout..
P.S. Some of us are daft enough to pay Budden's prices.. :-[
Nothing to be ashamed of. I can think of 3 other members (in addition to myself) who paid what most would call "over the odds" for the cars that we wanted ;)
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P.S. Some of us are daft enough to pay Budden's prices.. :-[
If the car is right and your happy with it, all that matters :y
From what I see his prices are high, but the quality of cars is also very high.
He picked low mileage, FSH cars to sell on. IIRC, he was bidding on TBE when it was at auction ;)
We all know that that does not make it a good car. TBE has suffered from FSH, and despite being a bit newer, is in considerably worse condition than your 3.2, bodyworkwise.
So, I'd suggest Roger Budden's are no better or no worse than others, its the luck of the draw.
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P.S. Some of us are daft enough to pay Budden's prices.. :-[
If the car is right and your happy with it, all that matters :y
From what I see his prices are high, but the quality of cars is also very high.
He picked low mileage, FSH cars to sell on. IIRC, he was bidding on TBE when it was at auction ;)
We all know that that does not make it a good car. TBE has suffered from FSH, and despite being a bit newer, is in considerably worse condition than your 3.2, bodyworkwise.
So, I'd suggest Roger Budden's are no better or no worse than others, its the luck of the draw.
Yeah, I'd rephrase the quality cars with "quality after sales service" ;)
My estate also suffered the dreaded low mileage and FSH... The effects of that are still being repaired ::)
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I'd hazard a guess for the payout offer at £2000 :-\
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Im gonna stick my neck out here and go over the odds at £3000 and assume they 'accept' the wheels, kit, , lpg, mileage, condition.
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It's home, front up on stands, re steering and suspension, all I can find is a bent wishbone.
I guess buy a pair of wb's and replace the bent one first. If it lines the wheel up again job done?
There is also excessive play in pas side wheel baring, the new one fitted at Newent. Could that indicate damage to stub axle ? Should I change that (stub axle) as well to be safe?
Not had it apart yet except to remove the pas side wheel, the side of the kerb impact with baring play and bent wb.
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Also got a golf blumotion diesel auto with dsg box. It's awfull. Absolutely awfull. Lag on engaging drive, un responsive to throttle until it changes down. Absolute crap.
.....And completely differant to Mrs G's golf tdi with dsg. That was quick responsive with smooth changes. Odd.
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Also, head light and brackets seem fine. I guess the field if vision warning I saw was due the wishbone being bent right next to where the hid sensor is bolted. I am just going out to unbolt the sensor. It's being pulled down and may brake as the car is jacked up on stands.
Ever get the feeling you've been shafted?
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so lights are fine? :-\
From description, its very odd compared to the inspection. maybe worth pictures to fight case of a right off? What about an independent inspection?
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Indeed, the AA ?
Actually no. Decra!
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Seem to be fine. The glass was never broken, but it took a wack from the side, rubber mark on indictor section. Aim seemed low, and warning on dash.
Now no warning. Rubber mark rubbed off. And closer examination shows all plastic brackets are present. I thought it was skewed tbh. But seems fine.
Also the marks on side of bumper, section forward of front wheel, have all buffed out.
Wheel Baring. Wishbone, or a pair of course. And a side repeater and would pass an Mot I'm sure. Afaict so far anyway.
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It won't need an MOT unless it has run out, cat c makes no difference and does not "void" the current MOT.
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Buggered if I know, other than what Miss claim manager said.
Although I do have a missed call from her. Will have to wait until Monday now.
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Even my ever so slightly
abused Cat C ex plod was repaired at cost of £1850 when bint reversed into it in March... :-\ They wouldn't discuss valuation after the conversation with a lorry on the M6 on the way back from lakes. Managed to go round the houses to get to £1500 ish with 173k during a 'I can't tell you, but if you you ask the right questions you can make a reasonable guess at the value' conversation.
The last repair to mine has cost approx £895 parts/labour/materials. Total time about 6 days, I did most of the grunt work myself.
The electric motor for the field adjustment only clips in. Perhaps popped out with the impact. Also there is a bracket that is welded to the slam panel that supports the ends of the bumper, (available as a sperate piece £25ish). Whipping the lamp unit will soon tell you what's what in there. If the shut line between the bonnet and wing is still true then inner wing prob ok.
If you're otherwise happy with the car, the prob best to repair it, especially as you've almost got it 'as wanted'.
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I'm really glad that it seems to be better than feared Chris. :y
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Right, chasing my f***in arse here, but the valuation offer is said to be top value according to glasses web site/listings or what ever the hell it is....
£2990.00p for the bog standard car! There is no negotiation on this figure! (03 3.2elite with 73k on the clock)
Apparently they don't pay out on extras unless the "extras module" is added to the policy as new business. Which it wasn't! First I bloody heard of it! Wasn't offered it, didn't know it existed, and wouldn't know to enquire if they where covered as I told the insurers about them. Wheels, and lpg kit being the main ones.
Independent valuation ordered on the damage too... :-\
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I'm really glad that it seems to be better than feared Chris. :y
Cheers Shak, have to say the level of help and concern has been staggering tbh. Thanks to all. :)
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At least you're making some progress... £2990 is pretty good for an insurance offer ;)
As for extras... Tell me about it! You should have gone through the hoops when I took out my Trade policy ::)
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oooo do I get the prize! only a tenner out!
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Can't really argue with the valuation tbh, but that's less £350 excess, and less something like £380 salvage value. :(
...and no prizes, as the biltstein shock fortunately isn't bent. :D
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So about £2250 in your pocket to put it right then... Judging by what you've assessed I reckon you might have some change ;)
Still a right PITA but could have been much worse
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I would argue that if the kit was fitted at the dealers that its not a modification, more an option extra ;)
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I would argue that if the kit was fitted at the dealers that its not a modification, more an option extra ;)
Most insurers still don't cover those :( They certainly wouldn't cover the extras I had on the MR2 (dealer fitted exhaust & chrome 'roll' bar) - they'd insure me, and charge me extra, but not replace them in the event of an accident..
Heck, some people bought cars with a hard top (optional extra, factory fit only option) only to find that the insurer didn't replace it after an accident - that was a £2k option!
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Factory fit, which takes place at the dealers I'm told, is handy. ;)
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Some details I hadn't considered.
They won't insure a write off! So it's uninsured on the drive. If it catches fire I won't be out of pocket because I've been, or will be, paid out for the value. So instantly I have to sorn it or get a fine.
I also loose the years premium. So have to pay for a new policy to start once repaired. Another chunk out of the settlement.
To re insure the car it has to be mot'd, a journey to the Mot station that won't be insured, but will be insured provided I don't stop, for fuel for instance. Wtf :-\ ???
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Its a minefield innit!
I suppose its common sense when you think about it, else they could pay out the full value for the car 2+ times in one policy... pain though
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Does it need a VIC check as well?
I guess what they want you to do is have the car delivered to the MOT place on a low loader (since, technically, it's been written off, it 'should' be classed as unroadworthy - your MOT hasn't expired or been refused early, it's been invalidated?)
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The car has to be insured even for a trip to the mot station,if you can't get it insured get someone with a traders policy to take it for you.
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Yes vic check, what the hell is that? Not required for insurance, it's for dvla...? She said?
Although all this is dependant independent engineers report. If still says it's a write off then all this will be relevant.
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Vehicle Identity .. something or other. Basically they make sure the VIN matches the plates and that there's nothing dodgy about the whole thing (i.e. it's not a ringer, cloned, cut 'n shut, re-body with the wrong VIN etc). But yeah that's for the DVLA - AFAIK you have to take a trip to the nearest DVLA office and do it in person (and whether or not you can drive the car there is open for debate..)
Here's hoping the engineers report says "Nothing to see here, move along, move along!"
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Vehicle Identity .. something or other. Basically they make sure the VIN matches the plates and that there's nothing dodgy about the whole thing (i.e. it's not a ringer, cloned, cut 'n shut, re-body with the wrong VIN etc). But yeah that's for the DVLA - AFAIK you have to take a trip to the nearest DVLA office and do it in person (and whether or not you can drive the car there is open for debate..)
Here's hoping the engineers report says "Nothing to see here, move along, move along!"
VIC check takes about 5 mins and is literally a 'yes it's still one piece omega saloon in black.' They don't make any comment on the repair. :y
All you need to know is on the VOSA website. Pretty straight forward as I recall. When filling in the online form there is a question about the actual damage/repair. Choose your words wisely as they form the basis of what goes on the V5 when it is re issued. :-\I wrote 'panel damage to osr wing, tailgate, rear bumper and d post' ::) V5 came back with 'extensive damage/substantial repair to osr quarter' :o
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I repeat......your MOT will not be invalidated by cat c status! I have just repaired, VIC'd and taxed a car that was mot'd a month before it was written off and it's mot was still valid. The words from vosas mouth " We reccomend you get it mot'd again but can't force you to" well they would wouldn't they, to get another test fee!
The VIC is purely to check it is what it purports to be, nothing other than the arse end being held on with gaffa tape would prevent it passing. You can tow/low load it there as long as it goes through the gates under it's own steam. In terms of insurance it can take weeks/months to go on the register so you should have no problem getting another company to cover you.
You dont need MOT or tax BTW to take it for VIC.
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Ok guys, informative as always. Thank you. :y