AndyW
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 posted on 23/4/13 at 03:55 PM |
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wifes tintop crash
OK here we go,
Wife had a slight knock in Sainsbury car park. Just wondering if I should even bother looking at it or just take it to a garage, get an estimate and
hope its a write off.
Basically the damage is, bumper ripped off, o/s headlamp snapped all its fixings, wing ripped in half (plastic), inner wing splash guard broken, under
engine tray broken, other plastic from behind the bumper broken.
It's a 2004 Renault megane 1.9 with 130,000 miles on it. I this likely to be a write off or do you think they would repair the damage listed and
anything else they find upon panel removal??
Anyone work in a body shop that could advise please. before I drag it off to a local bodyshop.
Thanks
Andy
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adithorp
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| posted on 23/4/13 at 04:03 PM |
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I'd be amazed if that wasn't a write off... and equally amazed if that was caused by a "slight knock". There's probably
more damage you haven't seen.
"A witty saying proves nothing" Voltaire
http://jpsc.org.uk/forum/
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cliftyhanger
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| posted on 23/4/13 at 04:18 PM |
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The value will be pretty low, a few hundred quid I would think.
If nobody else was involved(!) I would be inclined to sell as is or repair at home. the expense (now and for the next few years) of an insurance claim
may not be warranted.
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JoelP
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| posted on 23/4/13 at 04:35 PM |
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I'd agree that that is a write off. Doubt that the other party would offer you enough cash, so I guess claim for it, maybe fix it yourself.
Beware! Bourettes is binfectious.
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AndyW
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| posted on 23/4/13 at 04:50 PM |
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it was becoming a money pit recently any way, so might not be such a bad thing, just the ball ache of getting it sorted, and then finding a
replacement.
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nick205
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| posted on 23/4/13 at 05:05 PM |
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Cost of parts will be more than the value of the car so insurer's will bin it pretty quick I would have thought.
if you have the time/inclination you could patch it up and run it till it dies, saves affecting future insurance premiums (assuming no other parties
involved)!
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mookaloid
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| posted on 23/4/13 at 05:07 PM |
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As Mr nick205 says /\/\/\
"That thing you're thinking - it wont be that."
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JoelP
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| posted on 23/4/13 at 06:43 PM |
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I never thought that there might not be another party! If she's done it herself, then I wouldn't dream of claiming. You could bodge it for
several hundred quid, which is what your insurance would go up by each year probably.
Beware! Bourettes is binfectious.
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AndyW
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| posted on 23/4/13 at 06:56 PM |
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So would my policy be affected as I have a protected no claims?
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morcus
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| posted on 23/4/13 at 07:01 PM |
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They'd still put your premium up. Just reporting it would, even if you didn't claim.
In a White Room, With Black Curtains, By the Station.
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cliftyhanger
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| posted on 23/4/13 at 07:26 PM |
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Protected NCD means just that. They protect the discount. They do NOT protect the base price of the premium. So they may load you 50% for the
accident, but still give you 60% NCD. You will pay more, plus the NCD may not be transferable, so stuck with existing insurer. Yep, they have you
either way............
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AndyW
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| posted on 23/4/13 at 07:37 PM |
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It's not worth not claiming, by the time I have got second hand bits, spent time fitting it back together, getting it a new mot which is due
soon, plus it already need most of the steering arms replacing, new egr valve, clock spring and n/s window motor might as well just say oh well, had a
claim and pay the price.
Not much choice really.
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Ninehigh
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| posted on 23/4/13 at 08:48 PM |
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Break it for parts?
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nick205
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| posted on 24/4/13 at 11:45 AM |
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Protected NCD is a joke (IMHO), as described above, they will increase your premium one way or another. I refuse to pay the extra for protected NCD.
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britishtrident
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| posted on 24/4/13 at 12:09 PM |
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quote:
Originally posted by nick205
Protected NCD is a joke (IMHO), as described above, they will increase your premium one way or another. I refuse to pay the extra for protected NCD.
Depends a lot on the company after 12 years without a claim we had two claims in very quick succession and it didn't have a major effect
on our very reasonable premium t, I really cannot recommend LV highly enough if you fit into a low risk driver category.
[Edited on 24/4/13 by britishtrident]
[I] “ What use our work, Bennet, if we cannot care for those we love? .”
― From BBC TV/Amazon's Ripper Street.
[/I]
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D Beddows
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| posted on 24/4/13 at 03:10 PM |
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I have actually been surprised recently about insurance companies actually repairing vehicles you would have thought they would have writen off - guy
at work, 04 Plate Skoda Octavia Estate, 240,000 miles, hardly a cherished vehicle inside or out - a van drove into the OSF, ripped half the bumper
off, smashed the headlight cluster, and dented (read destroyed) the wing and door...... repaired, no questions asked
Someone drove into the wifes parked car about 3 weeks ago - T reg MK4 Astra, 90,000 miles but a complete shed, bumper and all plastics etc underneath
destroyed on OSF, wing dented, headlight scratched beyond repair......... being repaired no questions asked this weekend
Both cars I would have said would have been insurance write offs previously - who knows!!
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britishtrident
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| posted on 24/4/13 at 04:03 PM |
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There is a gap in the insurance market, some usually owners who cherish an older but not classic car would be willing pay an extra lump on
their premium to ensure (with in reason say £1,000 over the valuation of the vehicle ) the car is repaired rather than cat c or d written off.
As most of these owner are going to be older low risk drivers it would pay.
[I] “ What use our work, Bennet, if we cannot care for those we love? .”
― From BBC TV/Amazon's Ripper Street.
[/I]
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02GF74
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| posted on 25/4/13 at 02:10 PM |
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quote:
Originally posted by nick205
Protected NCD is a joke (IMHO), as described above, they will increase your premium one way or another. I refuse to pay the extra for protected NCD.
you are correct - there was article on the web within the last week or two explaining how is it not worth paying for the NCB after the first year.
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owelly
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| posted on 25/4/13 at 04:03 PM |
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If it was my car, I'd just take it to the scrappy. Get whatever cash they hand you and forget about it! Any involvement with the insurance
company will cost you more than the car is worth so tell them nothing.
http://www.ppcmag.co.uk
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HowardB
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| posted on 25/4/13 at 05:56 PM |
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there have been changes mentioned in the media and also seconded by a mate that works at a body shop, that the insurers are specing the use of
"recycled" body panels etc. So therefore they are appearing greener, able to buy parts for less and also repair more vehicles.
Not sure if it is relevant here though,..
Howard
Fisher Fury was 2000 Zetec - now a 1600 (it Lives again  and goes zoom)
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coyoteboy
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| posted on 25/4/13 at 06:20 PM |
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Not worth claiming, the car isn't worth the insurance hike you'll see over the next couple of years. I'd go as far as to say
it'd be madness to claim.
I've recently submitted a complaint to the insurance ombudsman regarding NCB, lack of consistency (got 12 years NCB with one company, move to
the next and they only recognise 5, move to the next and they only recognise the 5 from the previous insurance) and the fact that the NCD protection
is not a viable product - By protecting a discount rather and increasing the premium behind it they're effectively ripping off customers who are
not capable of seeing the contradiction.
[Edited on 25/4/13 by coyoteboy]
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