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Crashed car advice

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hopz121
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Crashed car advice

Post by hopz121 » Sun Dec 03, 2017 10:21 am

pvr wrote: Sun Dec 03, 2017 10:07 am Just curious - what is the reason the insurance takes a hit?
The accident i guess PVR the claim/claims would increase the premium.
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itchyfeet
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Post by itchyfeet » Sun Dec 03, 2017 10:24 am

Hi guys,
thanks very much for the comments. In the cold light of day i've now had a good look around the car, there is no damage to the radiator and the side panels have not been displaced out wards. Car still drives perfectly so i'm hopeful the damage is just cosmetic. I'm going to take your advice and if the car is written off i'll buy it back and fix it. I've briefly looked on the net and the parts i need are available albeit not give away prices and not always in great condition. I'd like to think I'm pretty handy with spanners so as long as the bits are all bolt on off I should be ok. prepping the panels for spray is a good idea too. For those of you that have not seen a Zed in Olivine there is a blend to the paint that in some lights makes it look like its shimmering. Hopefully a decent sprayer will be able to find the paint codes!

anyway, thanks again, i'll keep you posted with any progress.

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Crashed car advice

Post by nick_l » Sun Dec 03, 2017 10:43 am

pvr wrote: Sun Dec 03, 2017 10:07 am Just curious - what is the reason the insurance takes a hit?
I think the insurance now class me as more of a risk...even though it was the other persons fault and my dash cam proved this. It’s madness. I think the car being cat d will also increase it. Mine is due for Renewal this month and has only risen by £150.

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Crashed car advice

Post by nick_l » Sun Dec 03, 2017 10:45 am

I was lucky in fixing mine that i found a bumper and o/s wing already in sapphire black. The bumper was mint so I saved a fair bit on paint. It’s the little bits that caused prices to rise. The light brackets etc.

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pvr
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Crashed car advice

Post by pvr » Sun Dec 03, 2017 10:46 am

hopz121 wrote: Sun Dec 03, 2017 10:21 am
pvr wrote: Sun Dec 03, 2017 10:07 am Just curious - what is the reason the insurance takes a hit?
The accident i guess PVR the claim/claims would increase the premium.
I actually meant the fact that it is now a cat D that it would affect the premium more than the same value car as a non cat.
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hopz121
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Crashed car advice

Post by hopz121 » Sun Dec 03, 2017 12:00 pm

pvr wrote: Sun Dec 03, 2017 10:46 am
hopz121 wrote: Sun Dec 03, 2017 10:21 am
pvr wrote: Sun Dec 03, 2017 10:07 am Just curious - what is the reason the insurance takes a hit?
The accident i guess PVR the claim/claims would increase the premium.
I actually meant the fact that it is now a cat D that it would affect the premium more than the same value car as a non cat.
Shouldnt affect the cost to be honest, i have a clio 172 Cup track toy with a mate which is cat D and its ok to insure and nothing extra
2004 BMW E46 M3 Coupe - Manual - Silver Grey
2017 BMW F31 318d M-Sport - Auto - Glacier Silver
2007 Porsche Cayman 2.7 - Manual - Arctic Silver
2003 Renault Clio 172 Cup - Blue
2003 BMW E85 Z4 3.0i - Gone
2008 BMW E90 330i SE - Gone

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pvr
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Crashed car advice

Post by pvr » Sun Dec 03, 2017 12:24 pm

Ok, that makes sense. Just that you read so often that people comment on Cat D cars for sale that they would be a challenge to insure. Was just wondering why.
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kis
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Post by kis » Sun Dec 03, 2017 1:59 pm

Having owned cat c and d cars previously and spoken to insurers about it, they see no difference in the car insurance wise. The car will have been repaired so it's seen as a 'undamaged' car. Well the companies I spoke to anyway. In regards to insurance price will go up even if you have an accident that was completely no fault of your own. You have to declare it, so statistically you become more of a risk or something so premium goes up slightly. Not enough to break the bank but still enough to annoy you.

OP sorry to hear, any pictures? I may have a bonnet and front bumper available if you're interested, although they're in Titan Silver. PM me if you want to discuss :)
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Post by paddy wright » Sun Dec 03, 2017 5:03 pm

Sorry to hear this OP- I did similar a few years back and fixed it my self for less than my excess (I did't need a bonnet though or paint as parts were available in my colour. ) Just a word of warning my insurer (admiral) wouldn't guarantee I could buy back the car if it was deemed a write off so I didn't claim.
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Crashed car advice

Post by Smartbear » Sun Dec 03, 2017 5:05 pm

paddy wright wrote: Sun Dec 03, 2017 5:03 pm Sorry to hear this OP- I did similar a few years back and fixed it my self for less than my excess (I did't need a bonnet though or paint as parts were available in my colour. ) Just a word of warning my insurer (admiral) wouldn't guarantee I could buy back the car if it was deemed a write off so I didn't claim.
That’s surprising, the car is your property so seems a bit much that they wouldn’t let you have the option of keeping it :x
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Crashed car advice

Post by paddy wright » Sun Dec 03, 2017 5:11 pm

Smartbear wrote: Sun Dec 03, 2017 5:05 pm
paddy wright wrote: Sun Dec 03, 2017 5:03 pm Sorry to hear this OP- I did similar a few years back and fixed it my self for less than my excess (I did't need a bonnet though or paint as parts were available in my colour. ) Just a word of warning my insurer (admiral) wouldn't guarantee I could buy back the car if it was deemed a write off so I didn't claim.
That’s surprising, the car is your property so seems a bit much that they wouldn’t let you have the option of keeping it :x
Rob
Think their logic is once they payout the car is theirs and they want to recoup as much as possible form it in salvage- I wasn't pleased about this fact though!
Z4 2.2 sterling grey,Msport seats,retrofit cupholders,cruise,footwell lights,sound gen and mfsw,18"ellipsoids,xenons+light washers,ZHPknob,folding mirrors,3"stubby,update wheel caps,gateway300 ipod, wind deflector to keep the wife happy!

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Post by firebobby » Sun Dec 03, 2017 5:15 pm

Sorry to hear about your car OP, do you have any photos of it ?
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Crashed car advice

Post by Hagasan » Sun Dec 03, 2017 6:32 pm

paddy wright wrote: Sun Dec 03, 2017 5:11 pm
Smartbear wrote: Sun Dec 03, 2017 5:05 pm
paddy wright wrote: Sun Dec 03, 2017 5:03 pm Sorry to hear this OP- I did similar a few years back and fixed it my self for less than my excess (I did't need a bonnet though or paint as parts were available in my colour. ) Just a word of warning my insurer (admiral) wouldn't guarantee I could buy back the car if it was deemed a write off so I didn't claim.
That’s surprising, the car is your property so seems a bit much that they wouldn’t let you have the option of keeping it :x
Rob
Think their logic is once they payout the car is theirs and they want to recoup as much as possible form it in salvage- I wasn't pleased about this fact though!
The correct way of doing it is for both the settlement figure and salvage figure to be agreed and the balance is paid out.

In this case the OP has the car and the keys so the car will stay in his possession.

I'd suggest that the OP does his costings/valuation etc so that he knows what he wants out of any deal. You'll want to have a decent amount of cash to not only do the repairs but offset the future reduction in resell value due to the write off status...

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Post by kis » Sun Dec 03, 2017 11:27 pm

Hagasan wrote: Sun Dec 03, 2017 6:32 pm
The correct way of doing it is for both the settlement figure and salvage figure to be agreed and the balance is paid out.
I think this is the key. Once they come back saying they will pay you £xxx you need to be clear and upfront that you want the car back. They'll then knock off some money off that settlement figure and let you keep the car. Well normally.

Obviously you can still turn round and just take the money if they're being unreasonable about the whole thing. But if they pay you a settlement and then you turn round and say you want the car I think it's too late by this stage. Have them give you all the options then you can make a calculated decision.

Best of luck!
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Post by Crazy Harry » Mon Dec 04, 2017 11:54 am

kis wrote: Sun Dec 03, 2017 1:59 pm Having owned cat c and d cars previously and spoken to insurers about it, they see no difference in the car insurance wise. The car will have been repaired so it's seen as a 'undamaged' car.
I bought a cat D Clio for my kids a few years back (still going strong) which had been written off because of hail stone damage; then bought from the insurer and repaired by a small spray shop. No problem with for us getting insurance since it had been checked as roadworthy and certificated by VOSA (or alike). The only thing affected was the 'value insured' since it was worth what I paid as a 'category car' rather than a never been written off car - quite a saving. If anything writes it off again or repairs put it on the cusp of a write off its value is less to start with; but I knew that when I got it and as a cheap runabout / first car for the kids I felt that was a decision I could live with.

I think where forum members might be more careful is an accident where you are the only party involved which is not reported to / recorded by the police. Say a slip off an iced road and a nudge into a tree - organising your own repairs and not making a claim could save a lot of cash in the long term value of the car.

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