Back in July I was cut up by another car on a roundabout, they crossed over into my lane. I thought a lot of damage had been done - it was a huge bang. The other driver claimed it was a hire car (but strangely there were no documents in the car to back this up....), couldn't tell me the hire company or insurance company details. My insurance company wouldn't help as I was only TPFT - every little helps, but I found a great company that deals with claims like this, europa consultants. Its been almost 6 months now, an assesor has looked at my car and written it off (not economical to repair). And I'm STILL waiting to be paid out. Can you spot the damage?? The front bumper and wheel arch trim are scuffed, there are a few scratches on the wing and it has been pushed in slightly. The other car was damaged on the osr wheel, door and quarter panel.
yeah thats clearly a write off!!! are they joking!!!?? due to the extend of the damage i'll give you 500 to take it off ur hands!!!
Why did you allow the insurance company to write it off? It'd have been better to just get a second-hand bumper, wing, etc. and repair it yourself, surely?
They let me keep the car for a 50 quid salvage fee. I will repair it when I get the insurance money, whenever that may be.......
But aren't you overlooking the fact that the car will now be recorded as a write-off? If you don't mind this then that's fine, but personally I'd rather keep the car HPI clear even if it means paying for the damage myself.
The repair cost is based on using genine parts + approved bodyshop to paint them + labour. If that comes to more than 75% of the trade in value of the car they write it off. Not sure if its been recorded - even so I'm not selling it anytime soon so it doesn't really worry me.
Looks like you've stumbled across a perfect example making sure you know the difference between: 1. The trade value of a car and 2. The agree'd value of the car. One is what your local car dealer, who has no interest that it is a 20vt powered car, would pay for an old mk2 Golf. (I.E 300) The other is how much it would resonably cost to replicate what you have if the car is distroyed/stolen. (I.E 3000+??) Tbh, bit of a gutter imho. [:^(]
I found that out the hard way and my mk1 is now under a large agreed valuation just in case something happens
When I rang them they asked for a valuation of the car. Last time I gave them a pretty poor one for the mk2 this time I got it agreed for 5 grand. Pushes the premium up but hopefully it'll stop them writing the car off for any minor bump
Nah I think if it's a silly amount, like in tens of thousands, you need like an independant report type thing but they just accepted mine over the phone.
with a list of mods as well i take it? its how i insured my last car, told them what it was worth, then with list of stuff that i had done to it.
