Our Success is in our members who value our strength as a valued community.
Forum Stats
12452 Members
65 Forums
73751 Topics
996950 Posts
92 posts in the last 24hrs
Max Online: 7831 @ 8th Apr 2013 4:18pm
Who's Online - Click Me
71 registered (alan128, 13 invisible), 1402 Guests and 193 Spiders online.
Key: Admin, Global Mod, Mod
Social Media : Follow Us


(Views 7days)This Weeks Most Read
Games for children 1068
Fitting bathroom lights need help 396
Submarine Disaster 328
Travelling Bus and Train Which Tickets? 322
Anyone read this ? 296
Bath Lifts 202
Great Mystery Of Our Time 164
Charity fishing match 128
Are there any doctors or nurses on here. 127
Wanted wii consul box 111
New General Forums
Great Mystery Of Our Time
by Spellbinder
Yesterday at 02:19 PM
Brexit bill
by casper
20th Nov 2017 7:33pm
Telephone Caller Alert - they are NOT BT BROADBAND
by Laraine
17th Nov 2017 6:04pm
Are you a Mathematician ?
by granny
15th Nov 2017 8:59am
New Wirral History
Downloadable oldwirral pdfs
by derekdwc
9th Oct 2017 12:26pm
Forum Tips
Photo Gallery Forums
clipper yachts arriving for round the world race
Azamara,silouette and balmoral this mornig
Topic Replies
David Cassidy
by snowhite
58 minutes 39 seconds ago
Likely Lad Rodney Dies
by Dilly
Today at 09:16 AM
Extending dining table with six chairs
by kazaroo
Yesterday at 09:21 PM
Submarine Disaster
by diggingdeeper
Yesterday at 08:30 PM
Fitting bathroom lights need help
by diggingdeeper
Yesterday at 04:35 PM
What is your Daily Exercise ?
by granny
20th Nov 2017 10:11pm
Vaping set
by paul110180
20th Nov 2017 1:45pm
Charity fishing match
by paul110180
20th Nov 2017 1:43pm
Charity fishing match
by paul110180
20th Nov 2017 1:32pm
November
M Tu W Th F Sa Su
1 2 3 4 5
6 7 8 9 10 11 12
13 14 15 16 17 18 19
20 21 22 23 24 25 26
27 28 29 30
Recent Posts : What's On ?
The Lanterns at Chester Zoo
by granny
16th Nov 2017 1:05pm
bonfire night
by snowhite
3rd Nov 2017 5:40pm
Topic Options
Rate This Topic
#208073 - 19th Feb 2008 10:17am Insurance - Write Off
Mark Online   Reading


Wiki Master

Registered: 9th Nov 2003
Posts: 21086
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
_________________________
My Avatar images are all from the Wirral Gallery.Click Me
Wow Wirral History is coming along Great! Wirral History

we get +200 new members a month now smile

Top
Google Ads
#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
_________________________
Uncertainty or not knowing causes depression, Im happy because I know I'm going to die one day!

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


Wiki Master

Registered: 9th Nov 2003
Posts: 21086
Loc: Wirral
Its me no claims i'm worried about, i can get another missus lol

( She's fine ) smile
_________________________
My Avatar images are all from the Wirral Gallery.Click Me
Wow Wirral History is coming along Great! Wirral History

we get +200 new members a month now smile

Top
#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 !
_________________________
Uncertainty or not knowing causes depression, Im happy because I know I'm going to die one day!

Top
#208082 - 19th Feb 2008 10:38am Re: Insurance - Write Off [Re: Sanchez]
Mark Online   Reading


Wiki Master

Registered: 9th Nov 2003
Posts: 21086
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?
_________________________
My Avatar images are all from the Wirral Gallery.Click Me
Wow Wirral History is coming along Great! Wirral History

we get +200 new members a month now smile

Top
#208187 - 19th Feb 2008 5:17pm Re: Insurance - Write Off [Re: Mark]
Mark Online   Reading


Wiki Master

Registered: 9th Nov 2003
Posts: 21086
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.
_________________________
My Avatar images are all from the Wirral Gallery.Click Me
Wow Wirral History is coming along Great! Wirral History

we get +200 new members a month now smile

Top
#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 !
_________________________

http://www.myspace.com/jonah1974
stevejones74@hotmail.co.uk


"WELL MY NUTS ARE HALFWAY UP MY ASS, BUT OTHER THAN THAT I'M PERFECT.....! "

Top
#208228 - 19th Feb 2008 7:34pm Re: Insurance - Write Off [Re: jonah]
vw_kyle Offline
Forum Addict

Registered: 27th Dec 2006
Posts: 1984
Loc: wirral
gutted for your mark

Top
#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.
_________________________



Top
#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.

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


Wiki Master

Registered: 9th Nov 2003
Posts: 21086
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
_________________________
My Avatar images are all from the Wirral Gallery.Click Me
Wow Wirral History is coming along Great! Wirral History

we get +200 new members a month now smile

Top
#211180 - 22nd Feb 2008 6:11pm Re: Insurance - Write Off [Re: Mark]
Mark Online   Reading


Wiki Master

Registered: 9th Nov 2003
Posts: 21086
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
_________________________
My Avatar images are all from the Wirral Gallery.Click Me
Wow Wirral History is coming along Great! Wirral History

we get +200 new members a month now smile

Top
#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.....
_________________________
Mustang

Top

Moderator:  StuyMac 
Random Wirral Images

Click to View Topic.
Newest Topics
David Cassidy
by cools
Today at 09:17 AM
Likely Lad Rodney Dies
by fish5133
Yesterday at 07:43 PM
Submarine Disaster
by diggingdeeper
20th Nov 2017 5:46pm
Fitting bathroom lights need help
by yr20405
17th Nov 2017 11:29pm
Charity fishing match
by paul110180
17th Nov 2017 9:29pm
For Sale & Free
Extending dining table with six chairs
by kazaroo
20th Nov 2017 4:46pm
Water Dispenser Cold Cool Machine Cooler
by markyport
19th Nov 2017 4:45pm
where to get cheap carpet
by mickturner
17th Nov 2017 4:24pm
White radiator single panel 1400 x 600 - good cond
by gerrymoore
16th Nov 2017 9:16am
Samsung Galaxy S7 Titanium Silver + Extras
by j_demo
15th Nov 2017 7:29pm
Featured Member
Registered: 16th Aug 2010
Posts: 838
Newest Members
wagonwheel82, Norfolk, monadrexx, Dipper, DarioLo
12452 Registered Users
Today's Birthdays
No Birthdays
New Wirral Info
Fitting bathroom lights need help
by yr20405
17th Nov 2017 11:29pm
Games for children
by granny
17th Nov 2017 1:35am
Bath Lifts
by locomotive
16th Nov 2017 6:22pm
The Lanterns at Chester Zoo
by granny
16th Nov 2017 1:05pm
Travelling Bus and Train Which Tickets?
by fish5133
15th Nov 2017 5:31pm
News : New Topics
David Cassidy
by cools
Today at 09:17 AM
Submarine Disaster
by diggingdeeper
20th Nov 2017 5:46pm
Anyone read this ?
by venice
16th Nov 2017 3:22pm
Is this crime against humanity
by granny
13th Nov 2017 4:04pm
Wedding for Cancer Research !
by Katemargaret
11th Nov 2017 10:38pm
New Enthusiast Forums
Likely Lad Rodney Dies
by fish5133
Yesterday at 07:43 PM
Charity fishing match
by paul110180
17th Nov 2017 9:29pm
Are there any doctors or nurses on here.
by granny
16th Nov 2017 11:52pm
Taltalk Broadband Dying
by diggingdeeper
15th Nov 2017 3:40am
Replacement Key Fob casing
by fish5133
14th Nov 2017 7:45pm
(Views 24hrs)Trending Newest Topics
Great Mystery Of Our Time 164
Likely Lad Rodney Dies 92
David Cassidy 28
Wirral Sunrise Sunset
Sunrise Wed 7:51am
Sunset Wed 4:05pm
Local Time Wed 11:22am
WikiWirral Can . . . .
Advertising Click me
To Advertise with
Wikiwirral Click Me