Discussion
On Friday night my daughter wrote off her car after skidding on black ice and ending up upside in a ditch. The car is now in a scrapyard. To simplify obtaining a refund on the tax as from from 1 Feb (and it is now 30 Jan) can she declare the car SORN? The insurance company can then take their time to have the car officially declared scrapped.
Incidentally, because the car is written-off the insurance company will not allow her a courtesy car! On the other hand they have not cancelled the rmainder of her policy but suspended the policy until she has purchased anothr car.
Incidentally, because the car is written-off the insurance company will not allow her a courtesy car! On the other hand they have not cancelled the rmainder of her policy but suspended the policy until she has purchased anothr car.
Edited by Glosphil on Monday 30th January 10:33
Believe me when I say the least of your losses is going to be a month's tax...
If the car is written-off (seems likely) then her policy will end with the payment they make - so that's the rest of the year's insurance 'written off' too.
Then there's the process of getting them to make an offer which isn't insulting.
Then there's the issue of finding someone who'll insure her next car for less than 5 times as much as the last one.
Month's tax? Not the issue...
If the car is written-off (seems likely) then her policy will end with the payment they make - so that's the rest of the year's insurance 'written off' too.
Then there's the process of getting them to make an offer which isn't insulting.
Then there's the issue of finding someone who'll insure her next car for less than 5 times as much as the last one.
Month's tax? Not the issue...
As far as I can see it, the tax disc needs to be sent back with the appropriate form to get a refund, the SORN won't help.
The assessor will take it, and you should get it ack in the post, via your insurance company. Only then you can apply for a refund.
Took around two weeks for me, iirc.
The assessor will take it, and you should get it ack in the post, via your insurance company. Only then you can apply for a refund.
Took around two weeks for me, iirc.
robmlufc said:
Daughter intact?
Thanks for asking. I should have stated in original post that she only suffered bruising. It was a low speed accident (she reckons around 35mph) and the car did its job of protecting her - as far as I am concerned a 2000 Renault Megane is now considered one of the best cars on the planet.Four accidents on same 1/2-mile stretch of road in under an hour. One car dropped over 15 feet into a field - my daughter got that driver out )only minor injuries).
johnpeat said:
Believe me when I say the least of your losses is going to be a month's tax...
If the car is written-off (seems likely) then her policy will end with the payment they make - so that's the rest of the year's insurance 'written off' too.
Then there's the process of getting them to make an offer which isn't insulting.
Then there's the issue of finding someone who'll insure her next car for less than 5 times as much as the last one.
Month's tax? Not the issue...
When I crashed my Griffith they wrote it off, the policy was only recently renewed so still had 11 months on it, they just transferred cover to my Tuscan for a small increase in premium, I didn't lose the remainder of my policy.If the car is written-off (seems likely) then her policy will end with the payment they make - so that's the rest of the year's insurance 'written off' too.
Then there's the process of getting them to make an offer which isn't insulting.
Then there's the issue of finding someone who'll insure her next car for less than 5 times as much as the last one.
Month's tax? Not the issue...
johnpeat said:
Believe me when I say the least of your losses is going to be a month's tax...
If the car is written-off (seems likely) then her policy will end with the payment they make - so that's the rest of the year's insurance 'written off' too.
Then there's the process of getting them to make an offer which isn't insulting.
Then there's the issue of finding someone who'll insure her next car for less than 5 times as much as the last one.
Month's tax? Not the issue...
Read my original post - policy has NOT been ended. Car is worth £700 at the most. It had been my wife's car and we gave it to our daughter.If the car is written-off (seems likely) then her policy will end with the payment they make - so that's the rest of the year's insurance 'written off' too.
Then there's the process of getting them to make an offer which isn't insulting.
Then there's the issue of finding someone who'll insure her next car for less than 5 times as much as the last one.
Month's tax? Not the issue...
Agree next policy's premium could be a big increase. Would the report from the police that states the black ice on the A-road had been reported but no action taken help?
Edited by Glosphil on Monday 30th January 11:05
Noisy said:
When I crashed my Griffith they wrote it off, the policy was only recently renewed so still had 11 months on it, they just transferred cover to my Tuscan for a small increase in premium, I didn't lose the remainder of my policy.
That's interesting. Friend of mine recently wrote-off his shed - policy was £350, payment was £300 but he was only on month 2 so they took most of it as the rest of the premium!!The only time I've had a car written-off the policy also ended - so I don't know it this varies between insurers or what?
johnpeat said:
That's interesting. Friend of mine recently wrote-off his shed - policy was £350, payment was £300 but he was only on month 2 so they took most of it as the rest of the premium!!
The only time I've had a car written-off the policy also ended - so I don't know it this varies between insurers or what?
It does seem that different insurance companies do have a varying approach to ending the policy in the event of a write-off. My own policy specifically states that the policy would end, my wife's does not.The only time I've had a car written-off the policy also ended - so I don't know it this varies between insurers or what?
Just been to see the car. Not as extensively damaged as I expected for a car that has been upside down in a ditch. Bonnet, hatch and all 4 doors open and close and shut-lines (except for bonnet) look normal. All glass intact. Engine starts and seems to run OK. All electric windows and electric sunroof still work.
However, certainly enough panel damage to write-off car worth an (optimistic) £600. Front off-side wing and rear quarter are the worse. Roof, bonnet, and off-side doors muddy and scrapped. Large dent in off off-side corner of roof. Front bumper moulding split and hangimg off. Front near-side wing and edge of bonnet seemed to have suffered the worst of the impact with the ditch.
A sad end for a car that has served our family well for almost 10 years. Its final task of protecting my daughter it fulfilled admirably.
However, certainly enough panel damage to write-off car worth an (optimistic) £600. Front off-side wing and rear quarter are the worse. Roof, bonnet, and off-side doors muddy and scrapped. Large dent in off off-side corner of roof. Front bumper moulding split and hangimg off. Front near-side wing and edge of bonnet seemed to have suffered the worst of the impact with the ditch.
A sad end for a car that has served our family well for almost 10 years. Its final task of protecting my daughter it fulfilled admirably.
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