bob
|
| posted on 28/9/11 at 06:52 AM |
|
|
Sad to hear this chris, glad your ok though.
Its a big shunt and i would be leaning towards a re chassis.
Just shows though,we should all take time to adjust the harness belts as most of us with screens do not wear crash helmets.
|
|
|
|
|
Hellfire
|
| posted on 28/9/11 at 12:26 PM |
|
|
When you say you have an agreed value policy, it may be worth checking this with Adrian Flux. Unless you've submitted the full declaration
together with agreed value and required photographs, it will only be insured at market value.
Next thing, in anticipation of the car being written off, make sure you get to the recovery yard and get it sheeted up properly. When we had an
accident in ours, the car was taken to a recovery yard where it sat awaiting an inspection by an assessor. The recovery company had roughly thrown a
plastic tarpaulin over it which left the interior exposed to the elements.
We negotiated the return of our damaged MK as part of the insurance settlement and rebuilt the vehicle using a new chassis and various new parts
including a new engine. After we had repaired it, legislation stated that it had to have a vehicle identity check (VIC) before it could go back on the
road, so we paid the fee and put our application in to VOSA. This application and fee was promptly returned together with a letter stating that there
was no marker against the vehicle and therefore no VIC needed 
It transpired that because we had effectively bought the vehicle back from the insurance company as part of the insurance settlement, the V5 was never
handed back to the DVLA (which usually happens when a vehicle is written off) and hence a marker hadn't been put on the vehicle, which in turn
meant that a VIC wasn't required.
Hope some of that helps with your situation.......
Phil
|
|
|
:{THC}:YosamiteSam
|
| posted on 28/9/11 at 04:17 PM |
|
|
i had my rush wrote off in germany 2008 with flux's
agreed policy
the car was written off because it was over the 50% of its value - thats how they look at it
what will determine the category is the safety state its in.
you can buy back a car that been written off - with flux its 10% of the payout? now i cant remember the exact percentage but it quite low - i bought
the rush back from them for bout £700 i think - stripped it down then had the chassis scrapped off [it was too badly twisted] sold all the bits or you
could keep them for the replacement.
one thing to watch out for is the premium hike - it will jump by 25% for having a write off. ba$tards
what determines if its wrote off tho is purely down to % cost nowt else. the insurance co payout then sell the car to salvage company. if your gonna
buy it back make sure you get the fone number from the assessor - he has the final say if its allowed to be bought back or not. mine was a cat b [is
the worst cat a? cant remember but mine was 2nd worst which i wasnt supposed to be allowed to to have back at all - i just rang the assessor and said
to him look if i can prove the chassis is destroyed can i buy it? he said ok] they took the cost of the buy back off the payout.
i would check the chassis for being square first off - it maybe worse than you can see. say you repaired all the visual stuff then drove it - maybe
horrible to drive - either way it will be a full chassis re jig or a replacement chassis.
tbh i just bought another car - it works out quite pricey to rebuild against the cost of buying second hand. think the rolling chassis on the rush was
about 11-12k plus the wait plus whatever parts you need that were smashed up
regards
terry
|
|
|
cliftyhanger
|
| posted on 28/9/11 at 04:35 PM |
|
|
When I rolled my spitfire I had a spat with the ins.co, and I was thankfully supported by the broker,. Anyway, they eventually agreed to let me buy it
back, and just changed the category from B to C. I could have put it back on the road! Much easier to buy another, and start again when the whole car
was bent. Still getting on with the "new and improved" version nearly 3 years later, so if in a hurry just buy another that is up and
running.
|
|
|
Confused but excited.
|
| posted on 28/9/11 at 05:53 PM |
|
|
OMG!
Dosey mare. Glad you are OK.
You didn't tell us what you did with her body.
Tell them about the bent treacle edges!
|
|
|
atm92484
|
| posted on 28/9/11 at 06:32 PM |
|
|
I am about clueless on UK insurance and driving rules and regulations but it seems like only a small percentage of the cost of a Locost is the actual
chassis. I have way more wrapped up in wheels, tires, engine, transmission, drivetrain, miscellaneous odds and ends, etc than the actual chassis/body
and suspension arms.
I'd vote try to keep the car from getting totaled and rebuild it. Even if you have to buy another kit for parts at least you have all of the
odds and ends needed to finish it.
[Edited on 28/9/11 by atm92484]
[Edited on 28/9/11 by atm92484]
-Andrew
Build Log
|
|
|
skidmark
|
| posted on 28/9/11 at 09:35 PM |
|
|
Thanks for the replies and advice guys,
I've asked the recovery firm which are storing it to keep it indoors (twice) so hopefully they have done that.
I think the chassis is definately bent (both front and back) so I'll be pushing for a new chassis I think. Like you say, the chassis is only a
small part of the value and if the other bits can be transferred then that should save a fair bit.
I will try to negociate with the assessor following his inspection (tomorrow) to try to prevent it being written off I think. Might see if offering
to do the work myself (at a reduced rate) might sway his decision...
|
|
|
ashg
|
| posted on 28/9/11 at 10:40 PM |
|
|
personally why bother. at the end of the day she wrote your car off her insurance can pay for mk to build you a new one.
Anything With Tits or Wheels Will cost you MONEY!!
Haynes Roadster (Finished)
Exocet (Finished & Sold)
New Project (Started)
|
|
|
