Crashed the pride and joy - Insurance question
Discussion
I recently used someones bumper to emergency stop... not advisable.
Minor bump and not much damage done to his car however mine was written off (economical write off) by my insurance company, Admiral.
This was my first bump and I'm fully comp in a car worth ~£2,500. I'd prefer to use this as an opportunity to move onto a mway cruiser worth £3,000 - £4,000 but don't worry, this isn't a what-car question*, I'm seeking advise on next steps:
It may be worth me not claiming for my damage, repairing myself for about £400 - £500(scrap bumber, bonnet and lamp plus some panel beating around the the headlamp casing) and keeping the car but I want to hear their offer before I do that and, as above, I'm keen to use this opportunity to move on.
To claim they want me to send in all my details (service history, V5, MOT, keys and so on) into them before we negotiate value of car... this does not seem like a wise move - to essentially hand over my car prior to being told what I'll be given for it.
Has anyone had any experience of this?
what-car question* = Mondeo/Superb/Passatt TD(C)I
Minor bump and not much damage done to his car however mine was written off (economical write off) by my insurance company, Admiral.
This was my first bump and I'm fully comp in a car worth ~£2,500. I'd prefer to use this as an opportunity to move onto a mway cruiser worth £3,000 - £4,000 but don't worry, this isn't a what-car question*, I'm seeking advise on next steps:
It may be worth me not claiming for my damage, repairing myself for about £400 - £500(scrap bumber, bonnet and lamp plus some panel beating around the the headlamp casing) and keeping the car but I want to hear their offer before I do that and, as above, I'm keen to use this opportunity to move on.
To claim they want me to send in all my details (service history, V5, MOT, keys and so on) into them before we negotiate value of car... this does not seem like a wise move - to essentially hand over my car prior to being told what I'll be given for it.
Has anyone had any experience of this?
what-car question* = Mondeo/Superb/Passatt TD(C)I
kieranjholland said:
I recently used someones bumper to emergency stop... not advisable.
Minor bump and not much damage done to his car however mine was written off (economical write off) by my insurance company, Admiral.
This was my first bump and I'm fully comp in a car worth ~£2,500. I'd prefer to use this as an opportunity to move onto a mway cruiser worth £3,000 - £4,000 but don't worry, this isn't a what-car question*, I'm seeking advise on next steps:
It may be worth me not claiming for my damage, repairing myself for about £400 - £500(scrap bumber, bonnet and lamp plus some panel beating around the the headlamp casing) and keeping the car but I want to hear their offer before I do that and, as above, I'm keen to use this opportunity to move on.
To claim they want me to send in all my details (service history, V5, MOT, keys and so on) into them before we negotiate value of car... this does not seem like a wise move - to essentially hand over my car prior to being told what I'll be given for it.
Has anyone had any experience of this?
what-car question* = Mondeo/Superb/Passatt TD(C)I
200hp vs 130hp.Minor bump and not much damage done to his car however mine was written off (economical write off) by my insurance company, Admiral.
This was my first bump and I'm fully comp in a car worth ~£2,500. I'd prefer to use this as an opportunity to move onto a mway cruiser worth £3,000 - £4,000 but don't worry, this isn't a what-car question*, I'm seeking advise on next steps:
It may be worth me not claiming for my damage, repairing myself for about £400 - £500(scrap bumber, bonnet and lamp plus some panel beating around the the headlamp casing) and keeping the car but I want to hear their offer before I do that and, as above, I'm keen to use this opportunity to move on.
To claim they want me to send in all my details (service history, V5, MOT, keys and so on) into them before we negotiate value of car... this does not seem like a wise move - to essentially hand over my car prior to being told what I'll be given for it.
Has anyone had any experience of this?
what-car question* = Mondeo/Superb/Passatt TD(C)I
You know the score.
kieranjholland said:
my thread got hijacked!
Anyone have experience of insurance companies requesting all the documents and keys for a written off car before agreeing to talk through the value of the car??
Seems unwise to me to pass this information across prior to a valuation being agreed
I wouldn't let them have all that.Anyone have experience of insurance companies requesting all the documents and keys for a written off car before agreeing to talk through the value of the car??
Seems unwise to me to pass this information across prior to a valuation being agreed
It is not their car (nor is it "written off") until they have paid for it. It's yours.
ETA - my father wouldn't let the insurance co take his car away until he had the money, and there was no doubt about that being irrepairable.
Edited by chris1roll on Tuesday 12th October 21:54
chris1roll said:
kieranjholland said:
my thread got hijacked!
Anyone have experience of insurance companies requesting all the documents and keys for a written off car before agreeing to talk through the value of the car??
Seems unwise to me to pass this information across prior to a valuation being agreed
I wouldn't let them have all that.Anyone have experience of insurance companies requesting all the documents and keys for a written off car before agreeing to talk through the value of the car??
Seems unwise to me to pass this information across prior to a valuation being agreed
It is not their car (nor is it "written off") until they have paid for it. It's yours.
As soon as they have possession of your car, they'll do what they want. Hence if you ever have an accident and it's immobilised and needs recovering, always have it sent to your house and not the local repair shop.
I have known of people that owned a nice car with an expensive plate on it. Gets recovered to garage, and the insurance company transferred the plate off and sold it, then wrote the car off and paid out a crap amount. Owner loses plate and insurance company makes money on it.
My mum used to work for an insurance broker, consequently I wouldn't trust an insurance company as far as I could throw their entire staff, right after a big meal and needing a dump.
chris1roll said:
I wouldn't let them have all that.
It is not their car (nor is it "written off") until they have paid for it. It's yours.
ETA - my father wouldn't let the insurance co take his car away until he had the money, and there was no doubt about that being irrepairable.
Thx Chris, I'm sure this is the right thing to do, will stick to my guns It is not their car (nor is it "written off") until they have paid for it. It's yours.
ETA - my father wouldn't let the insurance co take his car away until he had the money, and there was no doubt about that being irrepairable.
chris1roll said:
I wouldn't let them have all that.
It is not their car (nor is it "written off") until they have paid for it. It's yours.
Actually, it is "written off" before they settle. Depending on the category, there will already be a marker on the DVLA systems and MIAFTR to this effect. So you would have a problem trying to sell it, as it will flag to the police as soon as you try to get a new V5. Anti-ringing and all that.It is not their car (nor is it "written off") until they have paid for it. It's yours.
From their point of view, they don't want to send you the cheque and then for your car to magically "disappear" as soon as you have cashed it.
I just spoke to them again and resolved my concerns, I believe they chance their arm initially however when pushed will discuss further with limited information that you can pass over the phone!
Not particularly interested in selling it - either want the cheque and write it off of as a last resort I'd repair myself and not make take my claim further.
Thanks all
TDutchy - you're right, I do know the score and I'm pretty pissed I'm going giving up my 200hp Volvo for a gloryfied tug boat on wheels... am I still allowed on pistonheads?!
Not particularly interested in selling it - either want the cheque and write it off of as a last resort I'd repair myself and not make take my claim further.
Thanks all
TDutchy - you're right, I do know the score and I'm pretty pissed I'm going giving up my 200hp Volvo for a gloryfied tug boat on wheels... am I still allowed on pistonheads?!
I'm sure it won't be as bad as all that, which one do you currently prefer? The VW oil burners remap very well! plenty of soot etc... but it's all good!When my car was written off, I let them have the service history, plus copies of adverts for similar cars.
They then sent a letter informing me that they would be collecting the car for "safe-keeping." I told them that they would only get the car when they had paid me for it.
They seemed genuinely surprised at this, but I stuck to my guns, and after three low offers and an official complaint, I got what I wanted. Because of their stupidity, they also got a bill of almost £6000 for a hire car!
Tim
They then sent a letter informing me that they would be collecting the car for "safe-keeping." I told them that they would only get the car when they had paid me for it.
They seemed genuinely surprised at this, but I stuck to my guns, and after three low offers and an official complaint, I got what I wanted. Because of their stupidity, they also got a bill of almost £6000 for a hire car!
Tim
frosted said:
How can a volvo be better than a passat ? I mean, really you lot for real? ( btw i have a passat and have driven a few volvos ) I just cant see the difference between the two , actually the volvo showed its age much quicker than the passat
I stand to be edumacated
Id say there equal, assuming age, mileage etc is the sameI stand to be edumacated
Speaking from the point of going from a 2004 S40 to a 1999 Audi A4 (basically a Passat)
Just bought an S60 D5 SE 2003 - 53 plate (euro III, 163 bhp), low mileage example so as long as I learn from my mistake I will get a lot of time with this motor.
I would have died of boredom in a Passat/Mondeo based on my driving preferences *trying not to offend anyone*
I'm picking it up on Saturday and have a long drive home planned
I would have died of boredom in a Passat/Mondeo based on my driving preferences *trying not to offend anyone*
I'm picking it up on Saturday and have a long drive home planned
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