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@*&&^%$£ *(&^%$£
#1501683
06/08/2014 13:09
06/08/2014 13:09
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Joined: Sep 2010
Posts: 1,082 Alcester
mikndo69
OP
Enjoying the ride
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OP
Enjoying the ride
Joined: Sep 2010
Posts: 1,082
Alcester
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Pulling in to my local Tesco's this morning I was reversed into by a young lady. Minor but annoying damage. Phoned the insurance to be told that according to there estimate calculator it will be written off, pending a visit from their assessor. Options:Carry on with the claim, let it get squashed and try and find a replacement. (That would break my heart) Carry on with the claim and buy it back, fix it up but have a Cat C on the record. Cancel the claim and do repairs myself (Second hand bonnet, Fog light) and get the money off the other party. Any other ideas greatly appreciated.
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Re: @*&&^%$£ *(&^%$£
[Re: mikndo69]
#1501691
06/08/2014 13:35
06/08/2014 13:35
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Pigman
Unregistered
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Pigman
Unregistered
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Best option is the last one, but the penultimate one is also OK. Cat C is no big deal in my eyes, because the Coupé can be written off for not much more than a scratch. I bought my Inky VT6 as a Cat C write off and it's just sailed through second MOT since I bought it. Certainly not a problem if you intend to keep it.
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Re: @*&&^%$£ *(&^%$£
[Re: mikndo69]
#1501698
06/08/2014 13:54
06/08/2014 13:54
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go_fast_Chris
Unregistered
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go_fast_Chris
Unregistered
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maybe consider a classic car policy next time its renewed... to insure you for an agreed value.. say 15K or so. i know it doesn't help you right now, but just an idea.
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Re: @*&&^%$£ *(&^%$£
[Re: ]
#1501714
06/08/2014 14:48
06/08/2014 14:48
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Joined: Jan 2014
Posts: 533 Rugby, Warwickshire
Carlscott
Enjoying the ride
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Enjoying the ride
Joined: Jan 2014
Posts: 533
Rugby, Warwickshire
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maybe consider a classic car policy next time its renewed... to insure you for an agreed value.. say 15K or so. i know it doesn't help you right now, but just an idea. Never knew you could do that. I'm insured with Adrian flux and insured mine for what I paid for it, but I've always thought God forbid anything happened I'd be massively out of pocket considering the money I've spent. I always thought they gave you what they think it's worth
Knowledge is knowing a tomato is a fruit. Wisdom is knowing not to put it in a fruit salad
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Re: @*&&^%$£ *(&^%$£
[Re: mikndo69]
#1501773
06/08/2014 20:10
06/08/2014 20:10
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KeithH
Unregistered
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KeithH
Unregistered
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A lot depends on the insurance assessor you get on the day. When I was T-boned on a KLR600 the assessor asked me what I wanted to do, he agreed a value for the bike and said that he could write it off and have it broken or write it off as what would now be a CatC and let me buy it from the insurers for a nominal sum. I chose the later and sold it to a mate who rebuilt it and rode around on it for a couple of years.
Regards
Keith
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Re: @*&&^%$£ *(&^%$£
[Re: mikndo69]
#1501794
06/08/2014 21:43
06/08/2014 21:43
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Wombat
Unregistered
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Wombat
Unregistered
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Push for option 4 per Ecrab as a first action. I have heard the same, that if a third party is at fault, you can insist on a repair or a cash settlement without the car being written off.
If this proves difficult, then cat C and keep the car.
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Re: @*&&^%$£ *(&^%$£
[Re: mikndo69]
#1501978
07/08/2014 22:10
07/08/2014 22:10
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Nello
Unregistered
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Nello
Unregistered
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Sorry to hear Mik! Option 3 is the way to go. Is is just the bonnet thats damaged? I know good ones are getting scarce but someone clipped mine a while ago on the same corner. On Motor-Mechs reccomendation I took it to PMS In Birmingham - right by Pauls old unit. They did a terrific job.........
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Re: @*&&^%$£ *(&^%$£
[Re: Ecrab]
#1503765
19/08/2014 21:01
19/08/2014 21:01
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Joined: Sep 2010
Posts: 1,082 Alcester
mikndo69
OP
Enjoying the ride
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OP
Enjoying the ride
Joined: Sep 2010
Posts: 1,082
Alcester
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There my be a 4th opition. Negociate a cash settlement in lieu of the repair and don't let the car be classified as a right-off. If it is clearly not you fault you can push for the car to be repaired regardless of the cost. Don't be bullied by the insurance company. I was in a similar position when someone reversed into my door. I got £1500 cash settlement. UPDATEThanks goes to Ecrab for option 4 They wanted to write it off but with everyone's advice I pushed for this option and it worked. Not written off and a cash settlement not much of one but enough to fix it. Like people have said above "don,t let the b@£?@£Ds bully you". And relax.
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