Smash Bang Wallop
Discussion
mk1fan said:
Back O/T.
Just reported it to the insurance co.
Due to the age of the vehicle it is an automatic write off. Anyone got some advice as to how to deal with the 'buy-back'?
Stewart, surely if your insurers are specialists with classics, how would the age make it an automatic write-off? Just reported it to the insurance co.
Due to the age of the vehicle it is an automatic write off. Anyone got some advice as to how to deal with the 'buy-back'?
What if it was a Bugatti Royale? They are quite old.glenrobbo said:
Bad Luck Stewart 
Personally I'd go through the insurance just in case of any whiplash claims from the occupant(s) of the tranny.
If if you feel he was at fault, then persue the claim with his insurance, assuming of course that he has insurance.
Whatever, hope you soon get Samy back on track.
I must be getting cynical in my old age Personally I'd go through the insurance just in case of any whiplash claims from the occupant(s) of the tranny.
If if you feel he was at fault, then persue the claim with his insurance, assuming of course that he has insurance.
Whatever, hope you soon get Samy back on track.
Did the tranny driver speak English at all?
Hope you can get this sorted Stewart, we wouldn't want Samy to end up in Ashington as an expensive parts donor.
Anyone on here with advice? You could post on SP& L forum.
Evening,
Quick up date. Police informed of the no insurance via new 101 number. Will wait and see what action is taken.
Moving on to Samy;
Initially, I was speaking with a 'claims manager' from my legal cover team who said that due to the age of the car it would be automatically written off. I did query this but they were adamant.
Once it was discovered that there was no insurance the 'claims manager' could no longer deal with it. This meant me calling the insurer direct.
This was a much better conversation. 'TVR sir? That sounds like a special vehicle. I'll check whether it should be on our exept list.'
'Yes, it's on our exempt list so we'll need to value the car - it won't be automatically written off due to its age.'
As Glen said though, surely that's the point of a 'classic' policy.
Sorted. At the moment I have reported the incident but not yet claimed. If I can find the time on Sunday I'll get the clamshell off proper and strip the rest of the front down to assess the damage. I've got an excess to pay if I claim so I'll do some man maths regarding the repairs and may just do them.
Quick up date. Police informed of the no insurance via new 101 number. Will wait and see what action is taken.
Moving on to Samy;
Initially, I was speaking with a 'claims manager' from my legal cover team who said that due to the age of the car it would be automatically written off. I did query this but they were adamant.
Once it was discovered that there was no insurance the 'claims manager' could no longer deal with it. This meant me calling the insurer direct.
This was a much better conversation. 'TVR sir? That sounds like a special vehicle. I'll check whether it should be on our exept list.'
'Yes, it's on our exempt list so we'll need to value the car - it won't be automatically written off due to its age.'
As Glen said though, surely that's the point of a 'classic' policy.
Sorted. At the moment I have reported the incident but not yet claimed. If I can find the time on Sunday I'll get the clamshell off proper and strip the rest of the front down to assess the damage. I've got an excess to pay if I claim so I'll do some man maths regarding the repairs and may just do them.
mk1fan said:
If I can find the time on Sunday I'll get the clamshell off proper and strip the rest of the front down to assess the damage. I've got an excess to pay if I claim so I'll do some man maths regarding the repairs and may just do them.
Shouldn't the insurers assessor view it before you start taking bits off?Lets suppose it is a total loss or "write off", value £3500+ (less perhaps a £1000 salvage buy back) against excess a few hundred ?.... no brainer to me
Clearly the downside to that is you then own an HPI Cat D or C car whereas if you assess the damage to be relatively easy to repair using a few of your own manhours and experience and worth not paying the excess then that wont be the case. I know it is ridiculous as the car will be repaired to a similar standard either way, but people naturally bawk at a car that is written off on HPI.
ukflyboy said:
Clearly the downside to that is you then own an HPI Cat D or C car whereas if you assess the damage to be relatively easy to repair using a few of your own manhours and experience and worth not paying the excess then that wont be the case. I know it is ridiculous as the car will be repaired to a similar standard either way, but people naturally bawk at a car that is written off on HPI.
Unless you have the car inspected and the repairs approved by VOSA in which case that should go on the record as such. Take lots of photos as if you were restoring ie before,during & after/keep any receipt for however minor the amount,etc. I would agree that you are better off not taking the car to bits if an assessor is going to be viewing though I suppose it could make the bloke's life easier; you could always after taking taking apart put it back "loosely" so you can take off bits as required for him to get a better view. Still a major shame though & you have my utmost sympathy. Another thought-you might want to contact the MIB (Glen-not Tommy Lee Jones/Will Smith!) the Motor Insurance Bureau as you should be able to get compensation from them if it turns out to be an uninsured driver.
HTH, Jeremy
jwigglesworth said:
Unless you have the car inspected and the repairs approved by VOSA in which case that should go on the record as such.
From my experience VOSA are only interested in two things,First is a Vehicle Identity Check (VIC)
Note the small print....
Secondly, once it has passed a VIC you then take it for a standard MOT. This as we know does not check the quality of the repairs, chassis could be out of alignment but not visibly noticeable, Fibreglass repairs could be rubbish but not "unsafe" etc. etc.
Plenty of photo's and reciepts is the only way to show the minimal damage and "back up" the quality of repairs
Mine was "cat C", I don't think a "cat D" has to have a VIC and maybe not even a new MOT?
Griffinr said:
If your having a car inspected by an insurance company after an accident its always worth giving it a thorough clean and polish inside and out. It may sound daft cleaning a wreck but it does boost its apparent value.
Rob.
Quite right Rob.Rob.
Edited by Griffinr on Tuesday 9th September 12:24
And get rid of all those unsightly stickers as well Stewart. Haha!
Good luck mate.
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