Omega Owners Forum
Chat Area => General Car Chat => Topic started by: TheBoy on 08 October 2011, 21:45:47
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Mrs TB's dad's Laguna got hit, apparently written it off.
he's had a call that they are collecting Monday, and want all the docs. They have not made an offer yet. Additionally, when he asked to buy back, he was refused.
can't help but think the old duffer is being scammed...
thoughts?
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Well personally, I wouldn't let the car go anywhere until negotiations on its worth/fate are concluded! :o
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Mrs TB's dad's Laguna got hit, apparently written it off.
he's had a call that they are collecting Monday, and want all the docs. They have not made an offer yet. Additionally, when he asked to buy back, he was refused.
can't help but think the old duffer is being scammed...
thoughts?
exactly what they said to me when the mig got hit, only they wee going to bring a courtesy car for me to use while they "assessed" it,
I told them no way are they taking it!! in the end i took it to one of thier aproved repairers to assess it, long story short i as you know still had the car 4years later!! after they paid me more than i paid for the car to repair it!! lol repaired it and vic checked it for less than a oner!
but mine was driveable dont know about the laguna? and i wouldnt want to keep it anyway!! ::)
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he is still using Laguna, no courtesy been offered
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No settlement offer.no collecty car :y
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No settlement offer.no collecty car :y
Yep. He has the car. His move. I'd be asking what they're going to offer. Give them copies of documents if they need them to assess value but before an offer is accepted, it's his car, they're his documents.
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So what are they saying they are going to do with the Father in laws private property? It is his car, not they'res. It can't be to store it as it's in his possession. And if written off, they don't need to asses it, because they know it's a write off... No? ???
They don't need the documents at this stage. They can take v5 and Mot cert numbers over the fone. May also want to check drivers details via conference call with dvla. All to check drivers details are correct etc.
If he wants to keep the car, they need to be writing out a cheque first of all... not taking the car away, until he decides they can of course. They may withdraw cover, that's they'res. The car is his... Tell em to fleck off IMO.
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Not sure what the game is with all this, even now, why do they assume they own the car because they insure it?
Speak to the claim manager where possible. Can be difficult to get past the barrage of numpties and jobsworths in the call centre though.
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I think they try to get all the cards in their hand before they break you off with a derisory offer. >:(
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Can't help feel there's something more sinister, but then I always assume the worst.
Do we know what the damage actually is? I bet it's not massive to fix. Is it? :-\
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Can't help feel there's something more sinister, but then I always assume the worst.
Do we know what the damage actually is? I bet it's not massive to fix. Is it? :-\
I did hear a rumour of some "scrappage by the back door" incentive for insurers to write off older cars but it was just that.
Does seem that car insurance is becoming a total joke. Pay ever increasing premiums and get break all in return when you have a problem. >:(
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As said, it's his car ;)
An assessor can visit there and assess the damage
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I didn't think it unreasonable to go fully comp on a 3k car. I'm really wondering why bother? Tpft would have been far more convenient in my case, as they would not have enpounded the car for 7 days and done precisely cock all with it in that time. It would be back on the road by now if I could have got my hands on it!
As it is now theres a hire car on the drive and that's just running up a bill. Which will just put premiums up as the industry is paying.
Are they trying to force a further recession? People can't afford newer cars ATM.
Are they trying to force older cars off the road? In a recession, nout in that for them.
Are they trying to line their own pockets by turning away less profitable work in favor of bigger repair bills on more expensive cars...? Yes! How?....
My "approved" (not rather approved by me i can tell you) repairer charges £25 an hour. Doesn't seem too bad, but probably this is specified by the insurer. So the repairer has to make his money another way. Parts!
In my case the repairer was an approved Vauxhall dealer! She told me! Oh really? "You'll want my trade club card then" I said! ;D
She didn't see the funny side. No showroom, no service dept. No parts dept. Just acess to genuine GM parts at cost!
So, let's quote to replace every single part we can, making more on parts, taking more time in labour, and if it's a write off who cares, we move on to the next more expensive repair bill making even more money! Theres plenty of work, and battered cars outside.
Tell me I'm wrong...?
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Insurance companies are their own worst enemies... or perhaps that's the way they like it?
Bigger claims means bigger premiums. A percentage of that is their profit. They'll scrimp on what they deliver to the policyholders but at the same time sell their details to "no win, no fee" outlets, pay exorbitant fees to hire car places, recovery companies, etc. Before you know it, your 3K car is written off in the fees distributed around their "jobs for the boys" network before they've even thought about repairing it.
It's a racket, and needs to be shaken up and sorted out, IMHO.
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A few simple rules:
1. Get the car recovered home.
2. Keep it there unless you authorise repairs/scrapping.
3. Only send copies of paperwork.
4. Only accept a courtesy car if you know for certain that someone else is paying.
5. Shop around for parts.
6. Only deal with claim managers, or there bosses.
HTH. Al. :y
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can you still self insure? by lodging £500,000 or sommat with the dvla?
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Don't foregt the old 50/50 scam either, almost certain outcome in all but the most cut and dried cases, ESP if your insurer is owned by one company or part of the Royal Bank of Scotland group.
see how many conpnies they own... From wiki.
RBS Insurance
RBS Insurance division is made up of several well-known brands including Direct Line, Churchill and Privilege. It sells and underwrites personal lines and SME insurance over the telephone and online, as well as through brokers, RBS Group bank branches, and partnerships. Key brands include:
Churchill Insurance, which also underwrites the Lloyds TSB, Prudential, Pearl and Alliance & Leicester car insurance brands.
Direct Line and Direct Line for Business
Devitt Insurance
Green Flag
NIG
Privilege
UKI Partnerships which underwrites the: Tesco, Egg, Mint, Mini, BMW, Peugeot, Suzuki, Vauxhall, MBNA, NatWest, Royal Bank of Scotland, Ulster Bank and The One Account insurance brands.
Tracker, the UK’s number one supplier of vehicle tracking services.
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can you still self insure? by lodging £500,000 or sommat with the dvla?
I think it's more than that but AFAIK, yes ;)
I had my Cavalier hit from behind by a Royal Mail Group vehicle many years ago... Would certainly have been written of by an insurance company... Repaired and FOC Courtesy car and £3K compensation offered without even mentioning it ::)
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right, spoken to him, rather than use 3rd hand info.
supposedly 'his' insurance have called him on Friday, wanted to pick car up Saturday to scrap, but changed to 1st thing Monday morning when he said he wasn't in. They want to collect all documents, mot, logbook, service history etc, at same time. They do not want him to send any section to dvla....
the damage is minor, and Mrs tb's dad reckons he could cheaply get repaired
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can you still self insure? by lodging £500,000 or sommat with the dvla?
I think it's more than that but AFAIK, yes ;)
I had my Cavalier hit from behind by a Royal Mail Group vehicle many years ago... Would certainly have been written of by an insurance company... Repaired and FOC Courtesy car and £3K compensation offered without even mentioning it ::)
Indeed, when I started at British Telecom, no insurance, just a bond. Needless to say, an 18yr old, sent out on his own with £1m of liability insurance, there was always gonna be tears before bedtime ::). Used to rattle the poor victims when you had an accident, and you had to explain to them there was no insurance policy number ;D
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right, spoken to him, rather than use 3rd hand info.
supposedly 'his' insurance have called him on Friday, wanted to pick car up Saturday to scrap, but changed to 1st thing Monday morning when he said he wasn't in. They want to collect all documents, mot, logbook, service history etc, at same time. They do not want him to send any section to dvla....
the damage is minor, and Mrs tb's dad reckons he could cheaply get repaired
If I were him I'd get a second (reasonable) opinion on the repair costs and present it to the insurers and ask why it's a right off. He's within his rights to have the repair done wherever he likes. Meanwhile, tell them that under no circumstances are they to set foot on his property.
At the end of the day, it's his car and they need his agreement to scrap it. They can't scrap it without the V5.
I'm starting to wonder if they're in cahoots with the vehicle dismantlers too, TBH. >:(
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I noticed a few yellow chalk marks under the car that wherent there befor. Quite fresh in fact. The bent wishbone has been marked along both track rod ends. Nothing else.
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has an engineer actually seen the damn car? or has it been to a repair centre for examination?
if not then do not!! let them take the car!!
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They cannot remove the vehicle for scrapping without making him an offer (which he has accepted ;)) because it is his property, not theirs ;) Tell them to take a hike until they own the vehicle :D
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has an engineer actually seen the damn car? or has it been to a repair centre for examination?
if not then do not!! let them take the car!!
There seems to be a story there - the assessor couldn't be arsed to turn up, so he took it to the assessor.
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has an engineer actually seen the damn car? or has it been to a repair centre for examination?
if not then do not!! let them take the car!!
There seems to be a story there - the assessor couldn't be arsed to turn up, so he took it to the assessor.
Which surely proves that the damage is cosmetic ::)
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has an engineer actually seen the damn car? or has it been to a repair centre for examination?
if not then do not!! let them take the car!!
There seems to be a story there - the assessor couldn't be arsed to turn up, so he took it to the assessor.
Which surely proves that the damage is cosmetic ::)
He has been using it, think the pikey bar took the brunt. Bumper definately cracked.
Speaking to him, unclear if boot floor has rippled though....
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Hmmm, in my case the engineer is at head office, they haven't seen mine either, only the grossly inflated estimate.
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Hmmm, in my case the engineer is at head office, they haven't seen mine either, only the grossly inflated estimate.
I meant the assessor bloke who actually inspects the car (ie, the grease monkey at the garage)
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Hmmm, in my case the engineer is at head office, they haven't seen mine either, only the grossly inflated estimate.
I meant the assessor bloke who actually inspects the car (ie, the grease monkey at the garage)
technician! I can here master heading for the word filter as we speak. ;D
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But there's the thing. Nobody is checking what the repair centre is assessing. Not saying, "no you don't need that, you don't need this, fit a cheaper part here" etc.
Give the repairer free rain to fit their own parts! As many as they like. Rather than what's actually needed!
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has an engineer actually seen the damn car? or has it been to a repair centre for examination?
if not then do not!! let them take the car!!
There seems to be a story there - the assessor couldn't be arsed to turn up, so he took it to the assessor.
Which surely proves that the damage is cosmetic ::)
He has been using it, think the pikey bar took the brunt. Bumper definately cracked.
Speaking to him, unclear if boot floor has rippled though....
But if he drove it down for an inspection then it can't be more than cosmetic damage, Even if the boot floor has rippled ;)
Does the tailgate open and shut properly? ???
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has an engineer actually seen the damn car? or has it been to a repair centre for examination?
if not then do not!! let them take the car!!
There seems to be a story there - the assessor couldn't be arsed to turn up, so he took it to the assessor.
Which surely proves that the damage is cosmetic ::)
He has been using it, think the pikey bar took the brunt. Bumper definately cracked.
Speaking to him, unclear if boot floor has rippled though....
But if he drove it down for an inspection then it can't be more than cosmetic damage, Even if the boot floor has rippled ;)
Does the tailgate open and shut properly? ???
of course, but cosmetic damage can still add up to more than the car is worth?
Sorry, I'm still applying my own situation to this thread? Is it not similar though.
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of course, but cosmetic damage can still add up to more than the car is worth?
Sorry, I'm still applying my own situation to this thread? Is it not similar though.
Yes, but cosmetic damage can only ever be CAT D (Uneconomical Repair) whereas yours had some mechanical damage too ;)
Although a similar situation (in that it is the cost of repair that has proven it "uneconomical" in the eyes of the Insurance Company) his is actually recorded as minor damage and needs nothing doing by ways of an inspection :y
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EEEK,
Hold on a min, which laguna is this? the one with the keyless entry 5 door hatchback type thing?
ncap rating 5 star?
if it is then i may understand why they say its a writeoff!! when these first came out we were delivering them all over the country from southampton, one of the guys slid off his ramp as it was raining and slightly damaged the sill, to the companies horror, they were told it was a write off!
why ? because body panels cannot be replaced and retain the structural rigidity of the original build,
believe it or not, at least twenty were written off in 4 years with similar minor damage, maybe a little bump in the rear panel, or a dent in the floor pan, or any small body damage, was not allowed to be repaired? :-X sounds stupid i know but maybe thats why the engineer couldnt be arsed to come out to another renault?
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Hmmm, in my case the engineer is at head office, they haven't seen mine either, only the grossly inflated estimate.
But there's the thing. Nobody is checking what the repair centre is assessing. Not saying, "no you don't need that, you don't need this, fit a cheaper part here" etc.
Give the repairer free rain to fit their own parts! As many as they like. Rather than what's actually needed!
Exactly, 2 out of 3 prangs in mine resulted in a conversation with a person and a clip board. Only 1 of 3 involved a second assement by an actual engineer. ::)
Prang 1. OSR quarter, tailgate, light and corner of boot floor-damage contained by pikey hook. Retail parts £1300, labour 4 days. Insurance estimate £5000. Actual cost £1800.
Prang 2. Bonnet and front bumper. Third party accepted full liability, car repaired at local Vx garage. Repair cost £1850. Paid in full, no arguing.
Prang 3. Bonnet, wings, slam panel, headlights, radiator and condensor. Retail parts £2000, labour 6 days. Insurance estimate £5800. Actual cost £1100 ish.
I only get a replacement cab if Third party accepts FULL liability, as they cost £100pd, Prang 1 resulted in 6 weeks car hire, £4200, Prang 2 was 4 days car hire, £400.
For this reason NEVER a courtesy car unless someone else is paying. :-X