Help - Father in law crashed his MGF
Discussion
Father in law has crashed his MGF. The car is his pride and joy and he paid about £18k for it back in 2000.
The cars front end is damaged. I haven't seen the damage, but he tells me it needs a new front bumper, headlights, front indicators etc.
His insurance excess is about £300, and he is keen to get it repaired without going through the insurance, I think he is worried about loosing no claims etc. I will check if he has protected no claims tomorrow morning.
He wants to keep the car for the long term, so what is the best way to get it repaired? Shall we go via the insurance company or try and get it done privately?
My idea (which maybe wrong) is to go via the insurance and pay the £300 excess. The car will probably be written off as MGFs are worthless. We could buy back the salvage and repair with the insurance money. What do you think?
Please help.....
The cars front end is damaged. I haven't seen the damage, but he tells me it needs a new front bumper, headlights, front indicators etc.
His insurance excess is about £300, and he is keen to get it repaired without going through the insurance, I think he is worried about loosing no claims etc. I will check if he has protected no claims tomorrow morning.
He wants to keep the car for the long term, so what is the best way to get it repaired? Shall we go via the insurance company or try and get it done privately?
My idea (which maybe wrong) is to go via the insurance and pay the £300 excess. The car will probably be written off as MGFs are worthless. We could buy back the salvage and repair with the insurance money. What do you think?
Please help.....
Try and get it done privately. Insurance is a piece of paper that says you can drive, and a fallback for ENORMOUS claims. It's not there for anything less than 4 figures really. And they WILL write it off, give you a pittance, and take the pittance back in renewals and then some. SO yeah, do it privately.
Raize said:
Try and get it done privately. Insurance is a piece of paper that says you can drive, and a fallback for ENORMOUS claims. It's not there for anything less than 4 figures really. And they WILL write it off, give you a pittance, and take the pittance back in renewals and then some. SO yeah, do it privately.
LOL, what BS.jamoor said:
Raize said:
Try and get it done privately. Insurance is a piece of paper that says you can drive, and a fallback for ENORMOUS claims. It's not there for anything less than 4 figures really. And they WILL write it off, give you a pittance, and take the pittance back in renewals and then some. SO yeah, do it privately.
LOL, what BS.
k all and will cost a lot more than that to fix. miniman said:
Why is that BS? It's a 12 year old MGF. As much as the OPs father might love it, it's worth two thirds of fk all and will cost a lot more than that to fix.
Serious? A "Fall back" for enormous claims? Only claim for less then 4 figures? Surely defeats the point of insurance, does your policy have a 1k excess then?k all and will cost a lot more than that to fix. jamoor said:
Raize said:
Try and get it done privately. Insurance is a piece of paper that says you can drive, and a fallback for ENORMOUS claims. It's not there for anything less than 4 figures really. And they WILL write it off, give you a pittance, and take the pittance back in renewals and then some. SO yeah, do it privately.
LOL, what BS.Ray Singh said:
Please can you elaborate...? I am genuinely looking for help and advice.
The 12 year old car is worth about thirty six pence.Just find parts from a scrappy and fix it up, an insurance estimate will easily write the car off unfortunately, unless he can then go on to buy it back and fix it up.
The OP doesn't say if there was any other party involved. If so, report to insurance. If not, then maybe not.
Dealer near me has a 2009 MG TF LE500 in orange with black wheels, 18K miles for £7800. Not a huge fan of these cars but this one looks fantastic. I reckon it could be secured for £7K, especially this time of year.
Dealer near me has a 2009 MG TF LE500 in orange with black wheels, 18K miles for £7800. Not a huge fan of these cars but this one looks fantastic. I reckon it could be secured for £7K, especially this time of year.
Get some pictures posted up & we will tell what it'll cost to fix. If the inner wings & front valance are ok it'll be a nut & bolt job. If your lucky you'll find an Ebay'er selling all the bits you need in the right colour as he has HGF & scrapping it. £150 should buy you a complete front end maybe.
Thanks chaps - I will pop over and get some pictures tomorrow. He didn't speak to me very much on the phone this evening, probably shock. he is seventy and has been driving for 40+ years without incident.
ETA: Found company called Moss that seem to sell everything required for a re-build. Parts look expensive compared to buying a knackered (HGF) MGF.
Right, back to my ale drinking.
ETA: Found company called Moss that seem to sell everything required for a re-build. Parts look expensive compared to buying a knackered (HGF) MGF.
Right, back to my ale drinking.
Ray Singh said:
Thanks chaps - I will pop over and get some pictures tomorrow. He didn't speak to me very much on the phone this evening, probably shock. he is seventy and has been driving for 40+ years without incident.
ETA: Found company called Moss that seem to sell everything required for a re-build. Parts look expensive compared to buying a knackered (HGF) MGF.
Right, back to my ale drinking.
Summit in Maidenhead are MG specialists, they have a stock of parts of broken cars and if its a bolt on job can do it. ETA: Found company called Moss that seem to sell everything required for a re-build. Parts look expensive compared to buying a knackered (HGF) MGF.
Right, back to my ale drinking.
http://www.summitmg.co.uk/
They dont work weekends.
im sure an MGF can be replaced just be thankful he didn't get seriously hurt
can you not just do what parents do when a pet rabbit dies and get another one the same colour spec
he won't notice, something along the lines of
"yes, isn't that wonderful, fluffy now has a magic spot he didn't have yesterday, you must have wished for it"
i'm going to be a cruel parent i know
can you not just do what parents do when a pet rabbit dies and get another one the same colour spec
he won't notice, something along the lines of
"yes, isn't that wonderful, fluffy now has a magic spot he didn't have yesterday, you must have wished for it"
i'm going to be a cruel parent i know
jamoor said:
Raize said:
Try and get it done privately. Insurance is a piece of paper that says you can drive, and a fallback for ENORMOUS claims. It's not there for anything less than 4 figures really. And they WILL write it off, give you a pittance, and take the pittance back in renewals and then some. SO yeah, do it privately.
LOL, what BS.My advice would be to get a few private quotes, see what you can do yourself, and get the pro's to finish it off. At least then you wont have to buy any lubrication from the shafting you get from your Insurer!
Car insurance - another rip off.
jamoor said:
Serious? A "Fall back" for enormous claims? Only claim for less then 4 figures? Surely defeats the point of insurance, does your policy have a 1k excess then?
I agree.Claiming for much less than a grand is a waste of time by the time you
factor in excess, loss of no claims and increased premiums.
I agree that claiming for the MGF would be a waste of time, they`ll write it off!
Thanks everyone. As promised i have taken some photos today.
It looks like i only need a front PU, Headlights and indicators.
Moss want £178 for the PU unsprayed. Looks like Summit MG will be repairing this.
There was another party involved. No damage to their car and no injury. They are not claiming any damages and do not want repair.
Father in law has protected NCB of over 9 years.
He would like to keep the car if possible, so I guess that its a repair......
It looks like i only need a front PU, Headlights and indicators.
Moss want £178 for the PU unsprayed. Looks like Summit MG will be repairing this.
There was another party involved. No damage to their car and no injury. They are not claiming any damages and do not want repair.
Father in law has protected NCB of over 9 years.
He would like to keep the car if possible, so I guess that its a repair......
If you are 100% certain the other party aren't going to play silly buggers then get that repaired privately. Going through insurance will lead to inflated premiums for next 3-5 years and they won't pay out much either, there are 2002-2003 cars on AT for around £1200, so presumably this will be worth even less.
Either sell this one for bits and buy another or buy the bits an repair yourself.
Either sell this one for bits and buy another or buy the bits an repair yourself.
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