Oh dear, maybe a wright off...
- Thread starter synthedup
- Start date
I'll be searching breakers yards online for Rotherham area now then i could do with some cheap alloys. 
Could fix that car for cheap instead someone will pick it up salvage/ repair for £1500 and fix it. Crazy when you can buy it back off insurance 1st refusal at lowest.
Could fix that car for cheap instead someone will pick it up salvage/ repair for £1500 and fix it. Crazy when you can buy it back off insurance 1st refusal at lowest.
Buying it back from the insurance company makes sense if the rest of the car is good, £250 to £500 should get it fixed without too much effort on your part. Depends on what the insurance company want to charge you for it. It'll be a CAT D afterwards but not a problem for you as you know the car.
Take plenty of pictures now so if you do get it fixed, when you do decide to sell in the future you can give some reassurance to the buyer that the damage was superficial (Assuming wheels and suspension isn't damaged).
Take plenty of pictures now so if you do get it fixed, when you do decide to sell in the future you can give some reassurance to the buyer that the damage was superficial (Assuming wheels and suspension isn't damaged).
You have my sympathies Synthedup - awful news. I hope you come out of it financially OK
Isn't it strange though how many of us look at that one dent and say " Thats nothing, At the right money I'd repair that". Yet when scouring the adverts we all skim over anything that says CAT D and wouldn't touch it with a barge pole. Yet its possibly the same car !
Isn't it strange though how many of us look at that one dent and say " Thats nothing, At the right money I'd repair that". Yet when scouring the adverts we all skim over anything that says CAT D and wouldn't touch it with a barge pole. Yet its possibly the same car !
Thanks for the support guys.
"If" it is written off and they offer it be back at a reasonable price I would buy it back and possibly brake it.
None wants a CAT D/C Z4 when they're cheap for a straight one.
What are parts wroth?
Full red leather - £350.
Sports MTSW - £180
Wheels - £350
Front lights - £150
Rear lights - £150
KW ST coilover done 4000 miles, £500
Cup holders - £50
Gear knob - £35
F bumper - £60
R bumper - £60
Bonnet £300
Not sure how much one of these would brake for tbh.
"If" it is written off and they offer it be back at a reasonable price I would buy it back and possibly brake it.
None wants a CAT D/C Z4 when they're cheap for a straight one.
What are parts wroth?
Full red leather - £350.
Sports MTSW - £180
Wheels - £350
Front lights - £150
Rear lights - £150
KW ST coilover done 4000 miles, £500
Cup holders - £50
Gear knob - £35
F bumper - £60
R bumper - £60
Bonnet £300
Not sure how much one of these would brake for tbh.
Liverpool
But surely therein lies the difference between CAT C/D car and a insurance repaired car.Number5 said:
An insurance repaired car will have used new, genuine parts and be backed up by a 2-5 year warranty, and have a comprehensive list of the items repaired, believable story/photos of how/what happened, etc. Although in my case, even though you can guarantee that the parts are genuine, you've got no way to know which 'modern apprentice' has been left to work unsupervised on your car.
A cheaply bought write-off, repaired by an unknown 3rd party (i.e. not the original owner), with 2nd hand/pattern parts, with no warranty, and with no proof of the reason for the write-off, other than a description saying 'light rear damage - don't know why it was written off'.
I'd happily buy a CAT C/D car if I could get some clear history & report of the work. In 99% of cases this is not the factor and it's some breaker who's selling it or an owner who bought it not realising it was a CAT car, and thus not having all the pertinent information.
Surely a cheap fix and no need to break it. £300 would probably put this right and it must be worth at least £2,500 of anyones money as a facelifted Cat D complete/fixed car. No need to strip it etc.
The Cat system is a minefield, we have all seen cars like this with relatively small damage written off yet 5 years ago the same car with the same damage would have been repaired. The average member of the general public just thinks written off = huge accident and its not necessarily true. I've seen two year old Bmw's with £9,000 worth of accident repairs not get written off and then cars like this, I know which one Id rather be in!
What we need in this country is a proper independent HPI style report with write offs that gives potential buyers access to the damage report via an independent source so they can assess what they are buying into. I have been tempted to buy write offs my self in the past direct from the insurer/salvage auctions etc as you know what your getting, whats put me off is then proving what was initially wrong with it when you sell on. If I could have steered a potential buyer to a "CAT D HPI Report" which stated something along the lines of "needs N/S/R WING, wheel refurb, possible alignment and paint. Insurer deemed it uneconomical for them to repair" I think you would have a much bigger pool of potential buyers etc.
The other issue is of course insurance, many insurers wont cover CAT C/D cars and those that do, how do they value one if its written off (again!) No CAP or Glasses for that.
The Cat system is a minefield, we have all seen cars like this with relatively small damage written off yet 5 years ago the same car with the same damage would have been repaired. The average member of the general public just thinks written off = huge accident and its not necessarily true. I've seen two year old Bmw's with £9,000 worth of accident repairs not get written off and then cars like this, I know which one Id rather be in!
What we need in this country is a proper independent HPI style report with write offs that gives potential buyers access to the damage report via an independent source so they can assess what they are buying into. I have been tempted to buy write offs my self in the past direct from the insurer/salvage auctions etc as you know what your getting, whats put me off is then proving what was initially wrong with it when you sell on. If I could have steered a potential buyer to a "CAT D HPI Report" which stated something along the lines of "needs N/S/R WING, wheel refurb, possible alignment and paint. Insurer deemed it uneconomical for them to repair" I think you would have a much bigger pool of potential buyers etc.
The other issue is of course insurance, many insurers wont cover CAT C/D cars and those that do, how do they value one if its written off (again!) No CAP or Glasses for that.
srhutch said:
No idea yet, its still on my drive.
I spoke to my insurance company this morning who said the 3rd party insurance company have 7 days to acknowledge the claim and start proceedings to get my car inspected properly.
I stipulated I wanted Brookstead Panel Craft at Rotherham to complete the repair if it is going to be repaired.
Just waiting now to see what happens.
The chap who hit my parked car is in his 60's and has accepted full responsibility so I don't see their being any issues.
I do know however Brooksteads are fully booked until the end of January as I went yesterday morning for a cash price repair. It was when he said £2,500 and 2 months I knew it has to be an insurance job.
Looks like I may have this car for a couple of months.
flight174z
Member
synthedup said:£192 a day it is costing the insurance company :!:
This is the real reason premiums are so high...
Who has provided the 'courtesy car'? Your insurer, their AMC (accident management company) or the 3rd party's insurer?synthedup said:
If it's your insurer or an AMC, then be careful, as it's up to you to make sure you minimise any costs for out of pocket expenses.
So if you know you are going to be without a car for a longer period, and are relying on the 3rd party insurance to pay for the extortionate AMC rental, then you may end up having to explain why you're asking them to pay £5000 for a loan car when you could have easily gone to Avis/Hertz/Enterprise and done the same for £1000 for the same period.
You may find you are liable for the difference between what the AMC is charging and what the 3rd party insurer will pay you.
Only pointing this out as I had the same issue when I had my light altercation with a lorry. Repair bill was less than £2k, but the E92 M3 for 3 weeks was over £6k (£350 for the car, then extras for delivery, sat-nav, European cover, 2nd driver, etc.). The 3rd party's insurer wasn't arguing over the repair cost, but had to be taken to court to argue their point over the 'excessive' cost of the hire car.
Luckily I had correspondence with the AMC to point out that I'd only asked for a runaround and didn't need like-for-like, and also had a policy that covered any shortfall should the 3rd party argue the toss. Still too 14 months before I stopped having to make written statements.