Happy New Year - Not for me

[D1ckie]

Not a great New Years Day, but it started last year when in October I caught my rear bumper on the gate post. Anyway nearly £1K and a few weeks later I get the Sag back and it’s tucked up in the garage ready for a nice day.


Forward a month and after a week at home with the family over Christmas and a nice fresh day I decide to take the Sag out for an hour before going to dinner at the in-laws.
Its New Years Day and I’ve been driving for 15mins when I take the car out towards the country lanes, approach a small left hand bend that I know often can pool with standing water so I’m taking it easy. No water but as I round the corner the back end steps out, first thoughts are no problem soon pull this back in line, but sadly not. Trying to correct the back end it then slides out the other way then back then the car hits the kerb, straight into a tree, rotates 360’ then ends up on the wrong side of the road facing the oncoming traffic on a blind bend with my foot stuck between the accelerator and the brake and this is the result...... sadly another Sag gone forever.
Interesting discussions with the insurance company, the broker was great, but the insurance company were quite simply a piss take. Anyway now paid up and awaiting the car being collected to go to the breakers.

[D1ckie]

Thanks all....

Had a guaranteed insurance value on the car when I renewed in December, but to gurantee at full rate at today needed a specialist report and didnt have time. So renewed at highest guranteed value I could without a report.

They then offered me £7K less than value when they wrote to say they were writing the car off, this is alos without anyone seeing it from the insurance company. Declared Cat B, needs a new chassis and front tub plus any damage to engine. They had a quote for repair and found a company with a "new" chassis, but when I questioned where the chassis was going to come from considering they havent been made in years they couldnt tell me. I told them I wouldn't accept a chassis off another damaged car.

Wasnt going fast at all, maybe 30 but if I hadnt crashed I'd have been out in the country lanes where I could have been hitting 60mph so it couldve been much worse.

I was looking for a new car before I crashed the Sag, but was going to keep the Sag anyway, but after the fact I just lost the car without being an idiot and driving too fast gave me a bit of a scare, and even more worrying was just glad none of the kids were with me.

Looking at another Sag but not much about and mine was only 16K miles and in top original condition, not a mark on it until this.

Considering an MP4 or maybe a 458 but still looking

Assume as Cat B I cant buy it back or would I have to get an independent report to see if this can be changed to Cat C???

[D1ckie]

RFC1 said:

So ,what were you driving on? Black ice? I cannot understand how you can loose a T car in these circumstances otherwise and at such low speeds..? Not being sarcastic ,just genuinely interested as to what happened and why.

Glad you are ok obviously.

Sandy

It wasnt black ice, was too warm for that. Although a bloke who lives in a house on the main road right by where the crash happened said I was the 4th one in 12 months to have lost the car there and one of them ended up in his front room.

Only assume it might have been diesel on the road

Edited by D1ckie on Sunday 24th February 21:05

[D1ckie]

I've accepted the settlement and have spoken with the salvage company about buying the car back. However as its class B there would be no point and apparently you cannot get this classification changed.

Although I dont think I'd ever be as happy / confident of using a car that has been repaired to such an extent as I dont think it would ever drive the same. I know other people who have had main stream cars repaired especially where chassis damage has been involved and they are never the same again.

Sadly this one is gone - the interior is in great condition for a 16K mile car and if anyone needs anything PM me and I'll give you the breakers details

[D1ckie]

Thats very strange as the insurance company confirmed to me in writing the car was Cat B as I asked for the cost to buy it back if Cat C.

I asked the insurance company if I could apply to change from Cat B to C and they advised as they car has been paid out and they have listed as Cat B this can not be changed.

Someone is stretching the truth.

[D1ckie]

Druid said:

Cat C?

Thanks for the link - also the mileage is out, not sure if its my car for sale or just using images of my car

[D1ckie]

Thanks for all the advice, I have emailed the insurance company on Thursday but without response. For me it is a simple difference between buying mine back and repairing it or buying another of similar age and milegae and the difference to me will be at least £10K

For the record the insurance company quoted the following in writing on 15/02

Hi Mr Birchwood,
I can confirm your vehicle has been deemed a category B total loss.

[D1ckie]

I've just received an email from someone claiming to now own the car..... this is going to prove to be fun with the insurance company

[D1ckie]

MrChips said:

^^ What was the overall essence of the email? Have they now put a deposit down with TVRDean?

I would think that you might be best deciding what you want the outcome to be. Would you want your car back as a catC and repair/keep it yourself, or do you want the difference in value between a catB/catC?

If it were me personally, i'd push for the first one, as it's the only route that there's no alternative for the insurers. If/once if gets to a stage that it's clear that they can't facilitate this as they don't own the car anymore, then push for an alternative settlement?

They're offering to buy (or asking how much I want) to buy the service books and all history from the car.

If I'd been offered the car as Cat C I would have taken it as I know who and where I wanted it to be repaired. As soon as I hear from the insurance company I will update, but I think this will have to go legal as I cant see them wanting to sell the car back to me now!!!

[D1ckie]

Thanks, will contact the BVSF and update when I have more details

[D1ckie]

MrChips said:

Any news on this OP?

Waiting to hear back from the insurance company as they arent sure how its changed from CAT B to C, they advised I should have an update this week!!!

Will let you know as soon as (if) I get some answers.......

[D1ckie]

sean j g said:

hope you get some answers and get things sorted i would be going crazy if it was me!! also noticed tvr dean have put the price up by £500 surprised they have not been told to hold fire on selling it till everything gets sorted

Cheers, interesting that they quote the service history in the advert as they dont have it!!!!

[D1ckie]

B19LAM said:

Funny how some people can not read or think they have read some thing thats not there , the ad says the car has been well serviced, it makes no mention of being sold with service history !

How would you know its been well serviced if you dont have the history????

[D1ckie]

B19LAM said:

becasuse it only took ten min,s to find out,you ask a few main dealers the right questions and they are very very happy to help.

D1ckie said:

How would you know its been well serviced if you dont have the history????

So they told you which services are missing as well???? I think as this was my car I know a lot more about the service history and / or lack of it than you do!!!!!

[D1ckie]

B19LAM said:

O GOD HERE WE GO , DONT TRY AND TEACH YOUR GRAN HOW TO SUCK EGGS !!

D1ckie said:

So they told you which services are missing as well???? I think as this was my car I know a lot more about the service history and / or lack of it than you do!!!!!

As I'm looking at all the invoices and service history in my office I think I know more than you do....... so start learning how to suck those eggs!!!!!

[D1ckie]

B19LAM said:

CHAMPION thanks for letting me know i will pass that info onto glen/dean not sure they will want to know but hay ho!!!

D1ckie said:

As I'm looking at all the invoices and service history in my office I think I know more than you do....... so start learning how to suck those eggs!!!!!

I thought you'd bought the car???

[D1ckie]

B19LAM said:

Thanks by the way for confirming that that car has service history, and lots of reciepts, ill get them to ad that with the ad and to contact you for details

B19LAM said:

I didnt confirm what it has or hasnt got, what it needs or doesnt need and what its missing!!!!!

So you work for them then, or you are them??? Why email me and tell me you own the car???

[D1ckie]

To all others who are concerned how this car has gone from CAT B to CAT C, the insurance company are now investigating and will advise position next week.

[D1ckie]

B19LAM said:

I was asked to contact you to see if you wanted to sell the service history , it would look like you dont so they moved on and confirmed the history the tvr agents that serviced ,the car there is more than one way to skin a cat.

D1ckie said:

I didnt confirm what it has or hasnt got, what it needs or doesnt need and what its missing!!!!!

So you work for them then, or you are them??? Why email me and tell me you own the car???

Cant they use email???

Did you read my email back to you. I didnt say I wouldn't sell / give what I have to someone I expalined I was indispute with the insurance company. Stop hiding behind your username and let everyone on here know that your are actually the garage!!!!

Edited by D1ckie on Friday 12th April 18:02

[D1ckie]

B19LAM said:

I WASTOLD YOU NEVER RESPONDED TO THERE EMAIL AND , MY NAME IS SHAIN I WORK FOR GLEN AND DEAD HAVE DONE FOR 15 YEARS!

D1ckie said:

Cant they use email???

Did you read my email back to you. I didnt say I wouldn't sell / give what I have to someone I expalined I was indispute with the insurance company. Stop hiding behind your username and let everyone on here know that your are actually the garage!!!!

Edited by D1ckie on Friday 12th April 18:02

I thought they didnt use email???? Make your mind up!!! The email came from you through PH!!!