Print

Please login or register.
1 Hour 1 Day 1 Week 1 Month Forever
Login with username, password and session length

[Kevin Wood]

"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?

[05omegav6]

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.

[feeutfo]

It's coming home today.

[tunnie]

It's coming home today.

Great news! 

With front suspension fixed!? Or is that still to argue?

[Gaffers]

Chris if you need a workshop or lift facility before the gathering drop me a PM 

[feeutfo]

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?

[tunnie]

Maybe get some examples from Roger Budden ready to increase value quote? From what I hear, always refuse first offer 

[feeutfo]

Cheers G but should be ok. Ta

So who wants to guess the value? Pas side b4 shock to the nearest post. 

[henryd]

Cheers G but should be ok. Ta

So who wants to guess the value? Pas side b4 shock to the nearest post. 

Around 1800 I reckon with the mods you've declared,you can keep the b4 though,I've nothing to fit it too

[tunnie]

was the Irmscher stuff declared on policy?

[aaronjb]

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) ..

[tunnie]

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 

[aaronjb]

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!

[TheBoy]

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.

[TheBoy]

Cheers G but should be ok. Ta

So who wants to guess the value? Pas side b4 shock to the nearest post. 

Given the mileage, just under 2.5k maybe