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#208073 - 19th Feb 2008 10:17am Insurance - Write Off
Mark Offline


Wiki Master

Registered: 9th Nov 2003
Posts: 21011
Loc: Wirral
Insurance - Write Off





Unfortunately the Missus was hit from behind. joyride
And unknown to me is this horrible equation ?

If the Repairs of your car cost %50 of its value or more,
then it is no longer financially viable to repair.

i.e.
Car = £1,000
Repairs = £501
= Possible Write off omg

In English your car is declared a "Write Off" by your insurance
company. Baring in mind the Insurance Repair book is massively
inflated with there prices. So if you were an estimator "joe Blogs"
your estimate for the repairs would be well under what the insurance company
would recommend as a repair estimate.

Currently our car is in the garage and being assessed by our insurers as its very close
to "Not Financially viable as a repair" or Written off frown
Our Insurance assessor has to make the decision as its a close call.

I have pictures of the underneath which is pushed in quite a bit
as the bumper etc.. just spring back and look normal.

To make this worse !
I'm 14 days or the end of this month away from protecting my 4 Years No Claims frown
But the other driver has admitted full liability. (Phew).

I'm currently awaiting the decision about what happens.
Will it be a "Write off" or "Repairable" under the insurance?

Fingers crossed and legs i say.
As ive just had all the cam belts and bushes done at crimbo. cry
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#208074 - 19th Feb 2008 10:20am Re: Insurance - Write Off [Re: Mark]
Sanchez Offline

Wiki Veteran

Registered: 17th Dec 2003
Posts: 8019
Loc: my house
Gutted mate, buy a jdm civic and join the honda world !hope the missus is ok
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Uncertainty or not knowing causes depression, Im happy because I know I'm going to die one day!

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#208075 - 19th Feb 2008 10:22am Re: Insurance - Write Off [Re: Sanchez]
Mark Offline


Wiki Master

Registered: 9th Nov 2003
Posts: 21011
Loc: Wirral
Its me no claims i'm worried about, i can get another missus lol

( She's fine ) smile
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#208076 - 19th Feb 2008 10:27am Re: Insurance - Write Off [Re: Mark]
Sanchez Offline

Wiki Veteran

Registered: 17th Dec 2003
Posts: 8019
Loc: my house
pmsl, well if some one went in to you, your no claims will be safe !
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#208082 - 19th Feb 2008 10:38am Re: Insurance - Write Off [Re: Sanchez]
Mark Offline


Wiki Master

Registered: 9th Nov 2003
Posts: 21011
Loc: Wirral
I'm trying to read between the lines, i think i'm safe
but the insurance company sent a letter which isnt crystal clear.

But ive heard if its a write off i can buy it back?
But i wonder how that would effect my insurance?

As in its the same car,
I know what the insurance costs. But will it go up
because i want to insure a car ive bought back?
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#208187 - 19th Feb 2008 5:17pm Re: Insurance - Write Off [Re: Mark]
Mark Offline


Wiki Master

Registered: 9th Nov 2003
Posts: 21011
Loc: Wirral
Just got a call smile

Its repairable so no cost to me and the excess is waived.

Its going to take about 2 and a bit weeks to get fixed.
Nice one.

So i'm sure now my No Claims is intacked and i can protect them
in 2 weeks smile

What a relief and a con.

Bit of a learning curve there for me.
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#208188 - 19th Feb 2008 5:23pm Re: Insurance - Write Off [Re: Mark]
jonah Offline
Forum Guardian

Registered: 29th Nov 2006
Posts: 3992
Loc: 1313 Mockingbird Lane, I live ...
happy glad ur no claims AND ur missus is ok !
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#208228 - 19th Feb 2008 7:34pm Re: Insurance - Write Off [Re: jonah]
vw_kyle Offline
Forum Addict

Registered: 27th Dec 2006
Posts: 1969
Loc: wirral
gutted for your mark

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#208391 - 19th Feb 2008 10:21pm Re: Insurance - Write Off [Re: vw_kyle]
Cali_16v Offline
Wiki Guide

Registered: 17th May 2004
Posts: 6261
Loc: Birkenhead
If only i'd of seen this sooner, could of explained write offs to you.
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#208406 - 19th Feb 2008 10:35pm Re: Insurance - Write Off [Re: Cali_16v]
Pomp Offline

Forum Veteran

Registered: 19th Aug 2005
Posts: 5253
Loc: Wirral
Glad everythings fine, few.

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#208589 - 20th Feb 2008 10:39am Re: Insurance - Write Off [Re: Cali_16v]
Mark Offline


Wiki Master

Registered: 9th Nov 2003
Posts: 21011
Loc: Wirral
Originally Posted By: Cali_16v
If only i'd of seen this sooner, could of explained write offs to you.
Dont Hold Back wink
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#211180 - 22nd Feb 2008 6:11pm Re: Insurance - Write Off [Re: Mark]
Mark Offline


Wiki Master

Registered: 9th Nov 2003
Posts: 21011
Loc: Wirral
Got a letter today saying that it wont effect my no
calims bonus etc.. And the Excess of £250 has been waived.

And took out new insurance with new company esure
as they were now the cheapest listing a "No Fault" smile
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#211184 - 22nd Feb 2008 6:12pm Re: Insurance - Write Off [Re: Mark]
Beemertastic Offline
Forum Addict

Registered: 16th Oct 2007
Posts: 1113
Loc: wirral
result.....
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Mustang

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