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[Diamond Black Geezer]

Hear what you're saying Tunnie, in theory, of course then I lose my no claims, which will cost me an extra hundred or whatever per year for the next couple of years until it starts to shrink again (or we hope, unless I/someone else runs into me one day) Of course that extra money spent on insurance may well still be cheaper than the many hundreds of personal cost I may have to run up simply doing her back up again.

What I think I'll be saying when Mr Engineer chappy appears is 'ok, feel free to write that car off, that's fine. Now what I need is for you to go and find me another. I don't want a CD, or an Elite, I want a CDX, thank you. Oh, not a facelift, please, prefacelift. Oh, and you should know that there's currently only 69 registered, that's it. And please note that the instant you declare that a writeoff I can't drive it, so I'll be needing a courtesy car for free, until such time as you find me a vehicle that does not exist.

Personally I think it'll be lots cheaper for you to give me something to help with the repairs to my car which wan't even my fault in the first place.

 

[Sir Tigger KC]

I had a non fault accident on a motorbike a few years ago and it didn't affect my premiums at all. 

[Diamond Black Geezer]

Ok... see, either way I'm a little muddled. If I'm claiming off his insurance, for the damage to my vehicle, or claiming from mine for damage, either way both insurers must be effectively keen to shrug and not pay out? Sorry to be thick 

It would help if I knew what monetary level I'm at least looking at currently, are they wanting to 'only' pay £1800 of the £1900 bill ( ) or are they only wanting to pay £50 of the £1900 bill??  The guy did mention over the phone '...if it's only worth say £6-700.." not sure if that was the value that was presented on his screen or he was simply using that as as off the top of his head figure for a 'paltry' sum for a car. As we all know, rather tragically, £700 could buy you a very nice Omega  Not my Omega, of course, there's only one of them.


I have a £500 excess (I think £400 voluntary) so as far as I'm concerned that means £500 towards repairs is covered. I'm hoping that will be in my favour for haggling/helping with the claim. I'd have to stump up that from my own pocket if it were my fault, of course, but in this instance as a no-fault claim that's been waved.

This makes my brain ache!

[Kevin Wood]

Has the third party admitted liability?

[Diamond Black Geezer]

He didn't at the scene, but it has now been determined as no-fault on my part. It's black and white, as he effectively well, in actually left his lane to drive into me. 

[Kevin Wood]

OK, If the insurers have indicated it's no-fault your excess should be safe.

[Diamond Black Geezer]

Good, that's confirmed my thinking / logic.  At least that means minimum, I've covered for £500 repairs. Which covers me for the £450 I've paid for this Omega locally. Now I need to sort some extra pence for other bodywork (eg: I can't chop and swap the rear wings, for instance)

Had I not already given the guy the nod and wink for his Diamond Black Omega, this £350 spares or repairs one would have been a life-saver. On the plus side, the rear doors on this one are mint. (they just need converting visually to prefacelift spec)

We're getting there

[omegod]

As a guide I got paid £825 and kept the car for a pet 2.2 that had a scratched door, inspector dude was quite honest in that he was there to settle the claim and I basically named my price. If they start arsing around about value just send some Roger Budden links

[Diamond Black Geezer]

Cheers. Is that £825 the total, final; or was that £825 which you then had to buy your own car back, as it were?

I would very much like to have this assessor come round mine, if he just wants me to name my price 

[05omegav6]

Some murk to be cleared up as claims go...

Option one. Claim off TP insurers direct, you pay nuffin. (Ignoring the question of value/settlement vs repair cost).

Option two. Claim off your insurers, you pay your excess, potentially any salvage 'fee' and receive a cheque/keep car. Your insurer then claims costs (excess/payout less salvage fee) back from TP insurer. They then reimburse you your excess and reset your NCD.

Option one should see your car and NCD unaffected with some sort of renumeration/repair agreed.

Option two really screws you start to finish. Sure you keep the car, but it costs you financially and in hassle/stress.

[05omegav6]

Ok, the repair times for your damage as you proposed are as follows:

Total repair time of 24.6 decimal hours presuming that neither wing or door was the correct colour and required prep/paint.

This consists of the following:
 
12 decimal hours to remove, refit and paint NS front wing and NS front door.
12.6 decimal hours to repaint NS rear door and NS wing.

However, if you replace the front wing and BOTH doors with Diamond Black items, then paint just the rear wing then the total repair time would be reduced to 14.1 decimal hours.

This consists of the following:

6.7 decimal hours to remove and refit the NS front wing, NS front door and NS rear door.
7.4 decimal hours to repaint NS rear wing.

In short, assuming an insurance body shop labour rate of £25+vat, so £30 inc per hour...

Option 1.
24.6 hours @ £25 gives a total cost of £615 + vat or £738 inc.

Option 2.
14.1 hours @ £25 gives a total of £352.50 + vat or £423 inc.

Obviously these are the Thatcham TTS times, not a fixed amount, and don't include the cost of parts or materials.

It should however allow you to build a reasoned estimate if you can price the wing/doors and add £75 for paint/materials.

Hth

Edit to add following image... this is where the timings came from

[omegod]

Cheers. Is that £825 the total, final; or was that £825 which you then had to buy your own car back, as it were?

I would very much like to have this assessor come round mine, if he just wants me to name my price 

I valued it at £1k , I got a bit cheeky and said throw a carvery on top ( £25)  and I'll settle. Salvage value was £200 at the time so I kept the car and £825. I'd only paid £250  for the car so was quite happy, especially when the scratches buffed out   

[Sir Tigger KC]

In short, assuming an insurance body shop labour rate of £25+vat, so £30 inc per hour...

I'd have thought this is on the low side. No?    More like £40-50 per hour? 

[Kevin Wood]

In short, assuming an insurance body shop labour rate of £25+vat, so £30 inc per hour...

I'd have thought this is on the low side. No?    More like £40-50 per hour? 

I suspect insurance companies beat down the hourly rates well below what a paying customer would be offered. Hence why you normally get a half-@rsed job.

[Diamond Black Geezer]

Al, thanks for that it's appreciated. Those times/prices are very close to what I've been quoted. (don't have the sheet on me, but from memory total labour+paint was damn-near £800, so given easily-fluctuating labour charges from place to place, as Sir Tig says, could be £40-50/hr, £8000 vs £731 to me is tomato tomarto)

at present I have a donor car with shiny (just plenty of imperfections in the paint, slight orangepeel) doors. The NSF wing however looks original paint.

In theory that means use the 'free' doors and wing of the donor car, and the only panels which need paint, are rear door and rear wing.

Of course still be arguing whatever I can possibly get from them, not in a money-grabbing sense, but literally to give me room/margin for other things-  like ideally a decent paint job on the front door and trims etc.

The direct route of the Third Party's Insurers was suggested to me by a mate, so that's two advocates for that route. As you say, the faff and ballache of my insurance does start to get convoluted.

Omegod, that seems fair do's and you / we are entitled to value our own vehicles at whatever we want, because, biased though we are, we do know the true value of them. At the end of the day, scratches and dings, and age on the bopdywork, I'd like to find the Black Omega PFL with brand new and/or refurbished front suspension and brakes, a recent cambelt, new exhaust, new gearbox oil, and 3-week old roof paint and rain sensing screen. There's only one of those in the world! 

I'll get in touch with the TP's insurers, and see what they say.