The Joy of Running an Old Shed (Vol 2)
Discussion
Hoofy said:
Haha, that's hilarious. Mental, too.
How does Cat N affect your insurance?
They sent me a renewal(which another insurer wouldnt do when my van got wrote off) and was around £700 for the year which i dont think is bad all things considered.i didnt shop around as it seemed okay and a lot less hassle so i dont know if anywhere else would be funny about qouting or sky rocket my premium. How does Cat N affect your insurance?
Hoofy said:
Here's an interesting story I heard recently re a shed.
I know someone who has an old Golf worth about £2k.
Someone clipped it in a car park scuffing a panel (you could probably fix it yourself with an hour or 3 and some elbow grease).
He went through insurance and they said it would cost £1k to fix so they're going to scrap it and pay him £2k or give him about £1.5k and he can take it back as Cat N (non-structural damage write off).
I don't understand how the figures work out because surely the cheapest option is to fix/paint it.
So he's looking at taking the £1.5k cash payment and just running with the damage which just adds to the other scrapes typical of a 20 year old shed!
And at some point, he'll just sell the car on Facebook for £1k so he's quids in, right?
What's the catch?
PS I'm hoping someone scrapes my TT now.
Given that insurance prices seem to have gone up by something between 50-100% over recent years, it's those that drive around with insured vehicles who are ultimately funding this fI know someone who has an old Golf worth about £2k.
Someone clipped it in a car park scuffing a panel (you could probably fix it yourself with an hour or 3 and some elbow grease).
He went through insurance and they said it would cost £1k to fix so they're going to scrap it and pay him £2k or give him about £1.5k and he can take it back as Cat N (non-structural damage write off).
I don't understand how the figures work out because surely the cheapest option is to fix/paint it.
So he's looking at taking the £1.5k cash payment and just running with the damage which just adds to the other scrapes typical of a 20 year old shed!
And at some point, he'll just sell the car on Facebook for £1k so he's quids in, right?
What's the catch?
PS I'm hoping someone scrapes my TT now.
kwittery.
Ryyy said:
Hoofy said:
Haha, that's hilarious. Mental, too.
How does Cat N affect your insurance?
They sent me a renewal(which another insurer wouldnt do when my van got wrote off) and was around £700 for the year which i dont think is bad all things considered.i didnt shop around as it seemed okay and a lot less hassle so i dont know if anywhere else would be funny about qouting or sky rocket my premium. How does Cat N affect your insurance?
r3g said:
Hoofy said:
Here's an interesting story I heard recently re a shed.
I know someone who has an old Golf worth about £2k.
Someone clipped it in a car park scuffing a panel (you could probably fix it yourself with an hour or 3 and some elbow grease).
He went through insurance and they said it would cost £1k to fix so they're going to scrap it and pay him £2k or give him about £1.5k and he can take it back as Cat N (non-structural damage write off).
I don't understand how the figures work out because surely the cheapest option is to fix/paint it.
So he's looking at taking the £1.5k cash payment and just running with the damage which just adds to the other scrapes typical of a 20 year old shed!
And at some point, he'll just sell the car on Facebook for £1k so he's quids in, right?
What's the catch?
PS I'm hoping someone scrapes my TT now.
Given that insurance prices seem to have gone up by something between 50-100% over recent years, it's those that drive around with insured vehicles who are ultimately funding this fI know someone who has an old Golf worth about £2k.
Someone clipped it in a car park scuffing a panel (you could probably fix it yourself with an hour or 3 and some elbow grease).
He went through insurance and they said it would cost £1k to fix so they're going to scrap it and pay him £2k or give him about £1.5k and he can take it back as Cat N (non-structural damage write off).
I don't understand how the figures work out because surely the cheapest option is to fix/paint it.
So he's looking at taking the £1.5k cash payment and just running with the damage which just adds to the other scrapes typical of a 20 year old shed!
And at some point, he'll just sell the car on Facebook for £1k so he's quids in, right?
What's the catch?
PS I'm hoping someone scrapes my TT now.
kwittery.Hoofy said:
Yes - I thought it was a waste of resources (ie to scrap a perfectly decent vehicle) and if this is routinely done the reason why insurance has shot up.
Whilst a contributing factor, I think this scenario is small fry compared to others... such as the average cost of your bog standard family car rocketing recently along with parts and labour costs plus I'm fairly sure those without insurance has gone up of late, all of which will put more strain on the insurers than a few sheds being declared a total loss. My neighbour is a shedder, although I think he falls into the bangernomics more than shedder, as he doesn't really take good mechanical care of his motors.
His latest purchase, a 2013 insignia estate 2.0 diesel is far from the ideal shed. Purchased for just short of 2k about 8 moths ago. He's already had his fair share of problems with it. Snapped fan belt, needed brakes all round, but now its been into the garage and they have said its running rough. DPF is blocked and turbo has gone. I thought it seemed weird that both would go at the same time.
I have limited knowledge of modern diesels but know from reading on here that an insignia diesel is not a good choice, but just wondering if there are any cheap and cheerful DPF fixes we can do. I did see it smoking a little when he reversed onto his drive the other day, so turbo failure could be possible. I know DPF issues are common on these, but turbo failure also?
Doesn't help he knows nowt about cars!
Cheers all
His latest purchase, a 2013 insignia estate 2.0 diesel is far from the ideal shed. Purchased for just short of 2k about 8 moths ago. He's already had his fair share of problems with it. Snapped fan belt, needed brakes all round, but now its been into the garage and they have said its running rough. DPF is blocked and turbo has gone. I thought it seemed weird that both would go at the same time.
I have limited knowledge of modern diesels but know from reading on here that an insignia diesel is not a good choice, but just wondering if there are any cheap and cheerful DPF fixes we can do. I did see it smoking a little when he reversed onto his drive the other day, so turbo failure could be possible. I know DPF issues are common on these, but turbo failure also?
Doesn't help he knows nowt about cars!
Cheers all
Davie said:
Hoofy said:
Here's an interesting story I heard recently re a shed.
I know someone who has an old Golf worth about £2k.
Someone clipped it in a car park scuffing a panel (you could probably fix it yourself with an hour or 3 and some elbow grease).
He went through insurance and they said it would cost £1k to fix so they're going to scrap it and pay him £2k or give him about £1.5k and he can take it back as Cat N (non-structural damage write off).
I don't understand how the figures work out because surely the cheapest option is to fix/paint it.
So he's looking at taking the £1.5k cash payment and just running with the damage which just adds to the other scrapes typical of a 20 year old shed!
And at some point, he'll just sell the car on Facebook for £1k so he's quids in, right?
What's the catch?
PS I'm hoping someone scrapes my TT now.
Common story.I know someone who has an old Golf worth about £2k.
Someone clipped it in a car park scuffing a panel (you could probably fix it yourself with an hour or 3 and some elbow grease).
He went through insurance and they said it would cost £1k to fix so they're going to scrap it and pay him £2k or give him about £1.5k and he can take it back as Cat N (non-structural damage write off).
I don't understand how the figures work out because surely the cheapest option is to fix/paint it.
So he's looking at taking the £1.5k cash payment and just running with the damage which just adds to the other scrapes typical of a 20 year old shed!
And at some point, he'll just sell the car on Facebook for £1k so he's quids in, right?
What's the catch?
PS I'm hoping someone scrapes my TT now.
You see it all the time on forums, a cheap car gets superficial damage and the insurers write it off. And then follows lots of frothy mouths shouting enough how you could fix if in five minutes / get used parts from Lithuania / respray it on the drive... and you could.
However an insurance approved repairer wouldn't. They'd be getting new parts, charging hefty hourly rates and returning and car as hood as viable... and then you've got potential hire cad costs on top, parts delays and the fact that Mr Customer is likely to be back whining that the 3 day old paint on his 1998 Accords bumper doesn't match the two decade old paint around it.
So yes, it may be "cheaper" on paper to do the repair however the time / hassle potential means most insurers would rather pay out a bit more then send Copart to drag the car away, job done... end of story. Or pay out a little big less and leave the insured with the car and a cheque to do as the please, be it faff around with overnight parts from Big Mikes Breakers or simply drive it as is... or sell it on, albeit with a Cat classification but at shed level, who cares about that.
So yes, can be quite lucrative if your shed gets a flesh wound, you get a cheque and the car... plus if you're that way inclined, I'm sure that 7mph rear impact ended in a big whiplash claim too. Makes you wonder why there's not more crash for cash scams going on.
Oh, wait...
Got a low ball offer that they did increase a bit but then they really dug their heels in and basically I couldn't be bothered so I took a cash settlement that was 50% of what I had paid for the car 4 years previously that had a bit of bumper damage but still drove perfectly.
I had to tell my insurer before renewal in April and their own requirement for the Cat N was a copy of an MOT certificate issued after the accident.
Not a bad result I suppose, although I would have taken a bit less if it hadn't been Cat N, but they wouldn't budge on that.
So it's no wonder so many cars are getting "written off".
James_N said:
My neighbour is a shedder, although I think he falls into the bangernomics more than shedder, as he doesn't really take good mechanical care of his motors.
His latest purchase, a 2013 insignia estate 2.0 diesel is far from the ideal shed. Purchased for just short of 2k about 8 moths ago. He's already had his fair share of problems with it. Snapped fan belt, needed brakes all round, but now its been into the garage and they have said its running rough. DPF is blocked and turbo has gone. I thought it seemed weird that both would go at the same time.
I have limited knowledge of modern diesels but know from reading on here that an insignia diesel is not a good choice, but just wondering if there are any cheap and cheerful DPF fixes we can do. I did see it smoking a little when he reversed onto his drive the other day, so turbo failure could be possible. I know DPF issues are common on these, but turbo failure also?
Doesn't help he knows nowt about cars!
Cheers all
It could be worth trying Forte Diesel Turbo Cleaner - it gets good reviews. For £15, it's got to be worth a try!His latest purchase, a 2013 insignia estate 2.0 diesel is far from the ideal shed. Purchased for just short of 2k about 8 moths ago. He's already had his fair share of problems with it. Snapped fan belt, needed brakes all round, but now its been into the garage and they have said its running rough. DPF is blocked and turbo has gone. I thought it seemed weird that both would go at the same time.
I have limited knowledge of modern diesels but know from reading on here that an insignia diesel is not a good choice, but just wondering if there are any cheap and cheerful DPF fixes we can do. I did see it smoking a little when he reversed onto his drive the other day, so turbo failure could be possible. I know DPF issues are common on these, but turbo failure also?
Doesn't help he knows nowt about cars!
Cheers all
irish boy said:
Busy shed week in our house.
The Vauxhall combo van you may remember put a rod through the block. I’ve had it since 19k miles, it’s now on 167 so didn’t want to loose it.
The local breakers had a 70k engine for £200 inc vat with 3 months warranty, my mechanic charged £200 for the swap. Got it back on Monday, done 200 miles and it’s running better than ever. It’s factory lpg and even that is working perfectly on the new engine. Great value repair as many would pay £400 for an oil change on a Merc.
The 2001 avensis marches on with zero issues as usual, 1800 miles last month due to it being relied on more.
Well the combo has now covered 8k miles on its “new” engine with zero issues. It was £400 well spent. Even the original Vauxhall lpg system (now on 175k) works perfectly with the new engine making it the ultimate shed for economical progress.The Vauxhall combo van you may remember put a rod through the block. I’ve had it since 19k miles, it’s now on 167 so didn’t want to loose it.
The local breakers had a 70k engine for £200 inc vat with 3 months warranty, my mechanic charged £200 for the swap. Got it back on Monday, done 200 miles and it’s running better than ever. It’s factory lpg and even that is working perfectly on the new engine. Great value repair as many would pay £400 for an oil change on a Merc.
The 2001 avensis marches on with zero issues as usual, 1800 miles last month due to it being relied on more.
James_N said:
My neighbour is a shedder, although I think he falls into the bangernomics more than shedder, as he doesn't really take good mechanical care of his motors.
His latest purchase, a 2013 insignia estate 2.0 diesel is far from the ideal shed. Purchased for just short of 2k about 8 moths ago. He's already had his fair share of problems with it. Snapped fan belt, needed brakes all round, but now its been into the garage and they have said its running rough. DPF is blocked and turbo has gone. I thought it seemed weird that both would go at the same time.
I have limited knowledge of modern diesels but know from reading on here that an insignia diesel is not a good choice, but just wondering if there are any cheap and cheerful DPF fixes we can do. I did see it smoking a little when he reversed onto his drive the other day, so turbo failure could be possible. I know DPF issues are common on these, but turbo failure also?
Doesn't help he knows nowt about cars!
Cheers all
Modern diesels + bangernomics = recipe for disaster. DPF clogging up is the norm on diesels unless you're hammering up and down the motorway every day. Turbo probably knackered because the oil is 20k miles old and lile tar, and/or because he's been giving it beans then not letting it cool down before switching the engine off. I'll bet that engine is coked up to chuff inside, all the way from the turbo, EGR, inlet manifold to the DPF and injectors likely on their way too from running it on the cheapest diesel.His latest purchase, a 2013 insignia estate 2.0 diesel is far from the ideal shed. Purchased for just short of 2k about 8 moths ago. He's already had his fair share of problems with it. Snapped fan belt, needed brakes all round, but now its been into the garage and they have said its running rough. DPF is blocked and turbo has gone. I thought it seemed weird that both would go at the same time.
I have limited knowledge of modern diesels but know from reading on here that an insignia diesel is not a good choice, but just wondering if there are any cheap and cheerful DPF fixes we can do. I did see it smoking a little when he reversed onto his drive the other day, so turbo failure could be possible. I know DPF issues are common on these, but turbo failure also?
Doesn't help he knows nowt about cars!
Cheers all
There are no "cheap and cheerful" fixes to a knackered turbo and blocked DPF. Probably looking at a couple of grand to sort both and then he'll get a couple of years out of them until the same thing happens again.
r3g said:
Given that insurance prices seem to have gone up by something between 50-100% over recent years, it's those that drive around with insured vehicles who are ultimately funding this fkwittery.
Which is everyone on PH, apart from.the bloke who got stopped in the way to work with the wrong insurance. And tints. To be fair to him, even he had insurance but hadn't ticked all the boxes. kwittery.Nobody on PH knowing drives with no insurance. Because we are all perfect citizens.
It's the other buggers out there.
Years ago I bought a mk2 cavalier Sri with a couple of dents.
Bloke had been paid out £750 for the car and £6k for the whiplash.
He kept the car, and then used the £6k to replace it. He was offered £35 trade in and I paid him £40.
Door was replaced with a scrap yard door in the right colour. £20 Dent in the rear valance was hammered out. Bumper was replace with a scrap.yard one for £5.
I kept in 4 years and sold it for £500. It's owned by someone in a "club" and probably worth £5k now.
I bought my car, spent a few quid next day, was going to scrap it. Now i'm in love with it. Done nearly 1k miles no issues besides a potential batter drain but just bought a new battery and jump start thing of amazon.
it is very quick as well, and get great satisfaction in this modern car drivers who think they stupidily heavy car is fast, great fun.
it is very quick as well, and get great satisfaction in this modern car drivers who think they stupidily heavy car is fast, great fun.
Over shed money but a rare and reliable beastie that looks like it's worth every penny
https://www.autotrader.co.uk/car-details/202405250...
https://www.autotrader.co.uk/car-details/202405250...
thanks for your replies about repair costs, and feedback on whether it's worth keeping the thing.
I took heart from this thread and have chosen to give shed motoring one more go.
so it's out with the old crusty skoda, and in with... the exact same age make and model, but this one is in much better condition (I hope)
I took heart from this thread and have chosen to give shed motoring one more go.
so it's out with the old crusty skoda, and in with... the exact same age make and model, but this one is in much better condition (I hope)
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