Last night was fun some advice needed

[Robbie260]

 

[Onoff]

Insurance write offs come in categories A and B are scrap, S has some structural damage, and N is purely cosmetic. Be sure they have classified it as S or N before buying back.

Don't forget Cat C! Or does it no longer exist.

My 1983 2.0S Capri is Cat C. It has light front end damage from a square on, front end shunt (wasn't mine then). Wings, bonnet, valence, lights but when they added up all the panels if fitted new it was deemed cheaper to write off I guess.

 

[Robbie260]

Nay too bad in the light of day, all runs and drives fine.

 

[Dcal]

Bit of Tcut and that should polish out.

 

[merryman]

Don't forget Cat C! Or does it no longer exist.

To cause everyone confusion, they have started calling cat Cs cat S, and cat Ds are now cat N

 

[Onoff]

To cause everyone confusion, they have started calling cat Cs cat S, and cat Ds are now cat N

???

 

[bert]

That's not too bad at all, I've seen worse happen just driving across the Salisbury plains

 

[Pete.]

That's not too bad at all, I've seen worse happen just driving across the Salisbury plains

Well, if you share the road with these guys it's to be expected....

 

[The_Yellow_Ardvark]

Well, if you share the road with these guys it's to be expected....

View attachment 381818

The Pongo's were out today.

I thing they have upsert Sarg.

HAAAAAAA HAAAAAAA.

 

[bricol]

That's not too bad at all, I've seen worse happen just driving across the Salisbury plains

Does seem a little excessive . . . writing off an off-roader for going slightly off-road . . .

 

[Bobupndown]

That's a very early Disco 3, first year of production

 

[Robbie260]

That's a very early Disco 3, first year of production

Yes believe it was a 2004 built car registered 2005. It’s done 210000 miles.

 

[Neilj]

It’s done 210000 miles.

Just about run in then
I'd be fixing that myself and not claiming on the insurance. They obviously know about it now so I'm not sure how things progress from here, but as others have said if it does get categorised by them it needs to be a Cat S or ideally an N to put it back on the road.

 

[redlig]

???

Don't ask!

 

[Robbie260]

Right so got in touch with the insurance today they have categorised the vehicle as a cat N total loss. I asked them about cash in lieu but typically at first they insisted they didn’t do that then insisted that as the vehicle was un drive able due to a chunk of red glass out the tail light they couldn’t do it.

So anyhow first valuation of the vehicle was a bit on the insulting low side and said they would keep 40% of the value if I kept the vehicle. I said I felt that was unfair as they hadn’t incurred any storage or transport fees agitate the vehicle bar a two day storage at a local garage who are cheap and a run back to my house instead of one off to an assessment Center. Though they again maintained it was a non negotiable %. Any how have managed to get a reasonable valuation now i had a bit of a fight that it had just had a mot and a lot of cash spent on it.

See what the final claims team come back with.

 

[slim_boy_fat]

Right so got in touch with the insurance today they have categorised the vehicle as a cat N total loss. I asked them about cash in lieu but typically at first they insisted they didn’t do that then insisted that as the vehicle was un drive able due to a chunk of red glass out the tail light they couldn’t do it.

So anyhow first valuation of the vehicle was a bit on the insulting low side and said they would keep 40% of the value if I kept the vehicle. I said I felt that was unfair as they hadn’t incurred any storage or transport fees agitate the vehicle bar a two day storage at a local garage who are cheap and a run back to my house instead of one off to an assessment Center. Though they again maintained it was a non negotiable %. Any how have managed to get a reasonable valuation now i had a bit of a fight that it had just had a mot and a lot of cash spent on it.

See what the final claims team come back with.

A Member over on DW has been fighting with his insurers over their offer, well worth a read through the whole thread as he prevailed in the end. [not sure if you need to be signed in to view]

https://www.detailingworld.co.uk/threads/535d-settlement-and-financial-ombudsman.434095/

 

[500e]

https://www.fca.org.uk/publication/correspondence/dear-ceo-letter-expectations-cost-of-living-and-insurance-2022.pdf

This is the letter to throw at them to start the ball rolling

 

[Nick DV]

then insisted that as the vehicle was un drive able due to a chunk of red glass out the tail light they couldn’t do it.

Surely this is taking the proverbial?

 

[Robbie260]

Surely this is taking the proverbial?

A bit as the local plod that attended the crash was like don’t worry about it just get it fixed sooner rather than later.

 

[colnerov]

that as the vehicle was un drive able due to a chunk of red glass out the tail light they couldn’t do it.

I could see that it's unroadworthy, not undrivable. there's a difference between the two terms.