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[omegod]

It won't need an MOT unless it has run out, cat c makes no difference and does not "void" the current MOT.

[feeutfo]

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.

[05omegav6]

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'.

[Shackeng]

I'm really glad that it seems to be better than feared Chris.

[feeutfo]

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... 

[feeutfo]

I'm really glad that it seems to be better than feared Chris.

Cheers Shak, have to say the level of help and concern has been staggering tbh. Thanks to all.

[Lazydocker]

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

[Jimbob]

oooo do I get the prize!  only a tenner out!

[feeutfo]

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. 

[Lazydocker]

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

[Elite Pete]

I would argue that if the kit was fitted at the dealers that its not a modification, more an option extra

[aaronjb]

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!

[feeutfo]

Factory fit, which takes place at the dealers I'm told, is handy. 

[feeutfo]

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  

[Jimbob]

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