Will this be a write off? Estimated repair cost?
Discussion
Trailhead said:
loskie said:
Your insurance asks "have you had any accidents claims or convictions?"
There's always one isn't there...The answer would be no, because what you do off road falls outside of the remit of insurance, like track days for instance.
Stop trying to cause trouble, it isn't the purpose of this thread.
Good one, I hope you and your mate don't actually believe this?
ZOLLAR said:
Trailhead said:
loskie said:
Your insurance asks "have you had any accidents claims or convictions?"
There's always one isn't there...The answer would be no, because what you do off road falls outside of the remit of insurance, like track days for instance.
Stop trying to cause trouble, it isn't the purpose of this thread.
Good one, I hope you and your mate don't actually believe this?
Not that I am insurance whizz and its not my car anyway, so not really bothered either way.
He's going to sort it out himself so this thread was more about the cost to repair the car!
Trailhead said:
ZOLLAR said:
Trailhead said:
loskie said:
Your insurance asks "have you had any accidents claims or convictions?"
There's always one isn't there...The answer would be no, because what you do off road falls outside of the remit of insurance, like track days for instance.
Stop trying to cause trouble, it isn't the purpose of this thread.
Good one, I hope you and your mate don't actually believe this?
Not that I am insurance whizz and its not my car anyway, so not really bothered either way.
He's going to sort it out himself so this thread was more about the cost to repair the car!
In that case, I take it you also assume that should you then have an accident on the public highway due to the damage, your insurance company will completely overlook the undeclared damage and payout regardless?
- Good luck with that theory!(Of course, this theory doesn't take into account that you'd probably not declare the damage, re-panel the car and paint it and then sell it on for some innocent next owner to end up in a serious accident due to the car being an undeclared write-off! A case of: I'm all right jack! - f
k everyone else!)As for that damage being repaired for £800~£1000, I hate to think how shonky that repair will be!
Bumper's f
ked, rear light's fked, rear quarter panel's fked, boot floor/rear inner wheel arch looks to be fked.For £800~£1000, that's not going to be repaired properly! (Still, as you say he's: "a young lad", I'm sure he won't give a s
t about whether it's repaired correctly and safely or not!)4rephill said:
So if you crash your car on private land, causing damage to the chassis that results in the car being dangerous to drive, as far as you're concerned you can just re-panel the car, not bother to tell the insurance company and continue to drive the car on the road?
In that case, I take it you also assume that should you then have an accident on the public highway due to the damage, your insurance company will completely overlook the undeclared damage and payout regardless? - Good luck with that theory!
(Of course, this theory doesn't take into account that you'd probably not declare the damage, re-panel the car and paint it and then sell it on for some innocent next owner to end up in a serious accident due to the car being an undeclared write-off! A case of: I'm all right jack! - fk everyone else!)
As for that damage being repaired for £800~£1000, I hate to think how shonky that repair will be!
Bumper's fked, rear light's fked, rear quarter panel's fked, boot floor/rear inner wheel arch looks to be fked.
For £800~£1000, that's not going to be repaired properly! (Still, as you say he's: "a young lad", I'm sure he won't give a st about whether it's repaired correctly and safely or not!)
So if you scraped a wall and needed some paint work done, you would call your insurer to let them know would you? In that case, I take it you also assume that should you then have an accident on the public highway due to the damage, your insurance company will completely overlook the undeclared damage and payout regardless?
- Good luck with that theory!(Of course, this theory doesn't take into account that you'd probably not declare the damage, re-panel the car and paint it and then sell it on for some innocent next owner to end up in a serious accident due to the car being an undeclared write-off! A case of: I'm all right jack! - f
k everyone else!)As for that damage being repaired for £800~£1000, I hate to think how shonky that repair will be!
Bumper's f
ked, rear light's fked, rear quarter panel's fked, boot floor/rear inner wheel arch looks to be fked.For £800~£1000, that's not going to be repaired properly! (Still, as you say he's: "a young lad", I'm sure he won't give a s
t about whether it's repaired correctly and safely or not!)4rephill said:
Trailhead said:
ZOLLAR said:
Trailhead said:
loskie said:
Your insurance asks "have you had any accidents claims or convictions?"
There's always one isn't there...The answer would be no, because what you do off road falls outside of the remit of insurance, like track days for instance.
Stop trying to cause trouble, it isn't the purpose of this thread.
Good one, I hope you and your mate don't actually believe this?
Not that I am insurance whizz and its not my car anyway, so not really bothered either way.
He's going to sort it out himself so this thread was more about the cost to repair the car!
In that case, I take it you also assume that should you then have an accident on the public highway due to the damage, your insurance company will completely overlook the undeclared damage and payout regardless?
- Good luck with that theory!(Of course, this theory doesn't take into account that you'd probably not declare the damage, re-panel the car and paint it and then sell it on for some innocent next owner to end up in a serious accident due to the car being an undeclared write-off! A case of: I'm all right jack! - f
k everyone else!)As for that damage being repaired for £800~£1000, I hate to think how shonky that repair will be!
Bumper's f
ked, rear light's fked, rear quarter panel's fked, boot floor/rear inner wheel arch looks to be fked.For £800~£1000, that's not going to be repaired properly! (Still, as you say he's: "a young lad", I'm sure he won't give a s
t about whether it's repaired correctly and safely or not!)You are assuming the repair will leave the car unroadworthy, which of course would be a completely different kettle of fish.
You are also assuming if/when he sells it that he wouldn't declare any accident damage.
Lots of totally random assumptions that only he could answer anyway.
Personally, I would expect it to be roadworthy since a proper bodyshop is doing the work. I am sceptical it will be up to my standards, but you get what you pay for.
gizlaroc said:
So if you scraped a wall and needed some paint work done, you would call your insurer to let them know would you?
Based on the contract for insurance that you make with the insurance company, you're supposed to, yes!The reason being, if you're someone who regularly hits posts/gates/garden walls/buildings etc., etc., then you're classified by the insurance companies as someone who is a higher risk to other road users than someone who doesn't hit them!
It's all to do with the insurance company making an accurate assessment as to the likelihood of the driver being involved in an accident.
That people choose not to do so, is besides the point.
Do you honestly believe that drivers who are prone to hitting posts/gates/garden walls/buildings etc., etc., pose no more a risk of an accident/incident than those that don't?
4rephill said:
gizlaroc said:
So if you scraped a wall and needed some paint work done, you would call your insurer to let them know would you?
Based on the contract for insurance that you make with the insurance company, you're supposed to, yes!gizlaroc said:
4rephill said:
gizlaroc said:
So if you scraped a wall and needed some paint work done, you would call your insurer to let them know would you?
Based on the contract for insurance that you make with the insurance company, you're supposed to, yes!4rephill said:
gizlaroc said:
4rephill said:
gizlaroc said:
So if you scraped a wall and needed some paint work done, you would call your insurer to let them know would you?
Based on the contract for insurance that you make with the insurance company, you're supposed to, yes!
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