Discussion
i recently had my chimaera 4.0 94' broken into.
the wind mirror was snapped, door bent, window smashed, gear lever stolen (odd one i know), radio and electrics ripped out but not stolen, speakers stolen and seats scratched. now while this is a pain in the arse my insurence company has just told me they think it could be a write off?!?! now surely this cannot be the case. i paid £11000 for the car a year and a half ago and have had only minor glitches with it. please tell me they are talking b@££@cks.
the wind mirror was snapped, door bent, window smashed, gear lever stolen (odd one i know), radio and electrics ripped out but not stolen, speakers stolen and seats scratched. now while this is a pain in the arse my insurence company has just told me they think it could be a write off?!?! now surely this cannot be the case. i paid £11000 for the car a year and a half ago and have had only minor glitches with it. please tell me they are talking b@££@cks.
I'd think that was unlikely to be a write off. No doubt it will be surprisingly expensive ... funny how that happens when insurers are paying for it ... but here's my recent experience as a comparisson:-
I needed a replacement passenger door (plus wing mirror), new windscreen, new rear screen, full respray and front offside 3/4 section (the body panel that runs from the half way along the front wheel round to the centre of the license plate).
That came to £9000 which I think is mental, but hey, I didn't pay for it (we all did courtesy of our premia ... my apologies to all)
Sounds like your repair should be smaller, and therefore cheaper. And I suspect my insurer payed top whack for my repair work too.
I needed a replacement passenger door (plus wing mirror), new windscreen, new rear screen, full respray and front offside 3/4 section (the body panel that runs from the half way along the front wheel round to the centre of the license plate).
That came to £9000 which I think is mental, but hey, I didn't pay for it (we all did courtesy of our premia ... my apologies to all)
Sounds like your repair should be smaller, and therefore cheaper. And I suspect my insurer payed top whack for my repair work too.
Sounds like they are talking B@££@cks to me.
They only - usually - write a car off if the repair price is greater than 60% of the value, it doesn't sound to me like that will be the case with you. Plus the fact it is a specialist car could also negate that fact.
Does the insurer know what a TVR is, this is not a sliiy question, often they just think it's a normal run of the mill car not a handbuilt specialists sportscar. Perhaps a call to them explaining this might help.
They only - usually - write a car off if the repair price is greater than 60% of the value, it doesn't sound to me like that will be the case with you. Plus the fact it is a specialist car could also negate that fact.
Does the insurer know what a TVR is, this is not a sliiy question, often they just think it's a normal run of the mill car not a handbuilt specialists sportscar. Perhaps a call to them explaining this might help.
.Mark said: Sounds like they are talking B@££@cks to me.
They only - usually - write a car off if the repair price is greater than 60% of the value, it doesn't sound to me like that will be the case with you. Plus the fact it is a specialist car could also negate that fact.
Does the insurer know what a TVR is, this is not a sliiy question, often they just think it's a normal run of the mill car not a handbuilt specialists sportscar. Perhaps a call to them explaining this might help.
i have spoken to the garage which has taken the car initailly (not a tvr specialist) and they think the insurers might send it to tvr, this was before being told the write off bit btw. its the inspector type bloke from the insuance co that has come up with the write off bit. when i first saw the damage i was going to get it fixed from my own pocket at first, i was thinking about $1000's worth tops.
I would agree that the insurance companies 'write-off' verdict is b*llocks.
It does suggest to me that they hace calculated it would be cheaper for them, to try and force on you a very low market value for the car, and then sell the car on at a more reasonble and higher market value thus minimising the cost to themselves and likely to be cheaper than paying for the repairs.
Write off - no chance.
It does suggest to me that they hace calculated it would be cheaper for them, to try and force on you a very low market value for the car, and then sell the car on at a more reasonble and higher market value thus minimising the cost to themselves and likely to be cheaper than paying for the repairs.
Write off - no chance.
Usually the case
.Mark said: They only - usually - write a car off if the repair price is greater than 60% of the value,
And I can see thie bill being at least £6k for this lot
Even a second hand door will set you back £450 (don't know the price of a new one) then it's got to be fitted and painted. Seat repair can't usually be done one one seat (especially on an older car (seat wear)) so may need to do more of the interior (another £1-2k)
IMHO you'll be best off taking the £11k from the insurance company, buying the car back from the insurance company (~4k) get the repair done by a specialist (< a grand and you're back on the road)
Spend the spare cash on sticky tyres and track days
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