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One of our family cars is an old(L Reg) Peugot 106 diesel ,We've had it about 7 years. Thieves broke the dropglass opened the bonnet and stole the battery and the face of the stereo foolishly left under the seat. Informed the insurance company and they've come and removed the car because its not secure,and tell me its a write off.I'll be contacted tomorrow so they say. I'd rather have the car made good. We know the history of it , have spent money on brakes etc recently and it has a top range pioneer stereo with a 6cd stack, car does very little mileage.Anyone got any advice?
Edited by Pugugly {P} on 22/10/2007 at 10:27
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Dropglass ? Presumably a side window, get one from a brakers and get it fixed.
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Unfortunately I couldn't get to do that untill next Saturday due to work commitments, in the meantime , the wifes on foot,and the car is in some, no doubt expensive compound somewhere far away. Surely if the insurance co are willing to take comprehensive rates from me they could at least try and solve the problem ie fit new passenger door glass,battery,and replace stereo face.I could really do without the hassle of buying a replacement car.Talk about making a drama out of a crisis
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Just tell them that you want to withdraw your claim, that way you don't lose any NCB, they have to give you the car back and you can fix it yourself.
Don't forget you will still have to tell any future insurers that the incident occured for the next 3 or 5 years, although you can make it clear that you didn't claim.
I would imagine that your excess alone would almost cover the full extent of the damage give or take a little bit.
Blue
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Thanks blue.NCD protected and I'd be happy to pay the excess to save all the hassle of repairing and locating stereo face etc.5years old and no doubt elusive. Am I within my rights to insist they make it good rather than write it off?
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Am I within my rights to insist they make it good rather than write it off?
Not really. Your insurer obviously feels the car will cost them more to repair than what they can get for its scrap value and the settlement fee paid to you.
See category D explanation in HJ's FAQ's.
www.honestjohn.co.uk/faq/faq.htm?id=33
You could always let them write it off and then buy it back from them and repair yourself, but personally I would do as Blue suggests - withdraw the claim. A new battery, 2nd hand window, and a £50 Kenwood stereo from Halfords ( tinyurl.com/2gtovb ) should see some change from £100. Finally, change the insurance to 3rd party fire & theft. Insuring a 14 yr old car fully comp doesn't make any sense whatsoever.
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. Insuring a 14 yr old car fully comp doesn't make any sense whatsoever.
If he went for third party fire and theft the driver would'nt be covered for personal injury in a blameworthy accident would he?
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It really would be cheaper to sort it yourself - the door glass is £20 from a scrappy, the battery £40 from halfords but the problem would be with the face plate for the stereo. It may well be obsolete now and no longer produced, in which case you'd need to trawl the likes of ebay for a replacement.
Also did you inform the insurance company about the super duper stereo? obviously this is a modification to the vehicle and could also make it more of a target for thieves (as has happened). If you haven't they could void the policy.
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I think the answer here is to get a new stereo!
If you really do insist on claiming for the damage then there's nothing you can really do to force them to repair the car (that's not to say that you won't get anywhere if you really hassle them about it)
If you do decide to buy the scrap back off them and fix it yourself using the payout they will give you then bear in mind that the car is then a recorded write off on HPi and will effectively become completely and utterly worthless if you ever intend to part with it. If you don't intend to part with it ever then that is the option I would take.
Say they value the car at £500, they will deduct your excess (for arguments sake let's say it's £100) and give you the £400 change, you could then buy the scrap back for £50 and fix it with your remaining £350. You'd probably end up with £250 change :-)
Of course the figures I've given are just for illustration, but probably not a million miles away from the right area.
Good luck!
Blue
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the insurance co replaced the stereo when it was stolen 5 years ago so yes they know about it the reason I'd like to leave it to them is exactly the reason above I don't have the time Thanks
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If he went for third party fire and theft the driver would'nt be covered for personal injury in a blameworthy accident would he?
The limits are so low for own injury that they're hardly worth it anyway.
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...and the difference in costs of the policies make it worthwhile just to have the windscreen cover
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ordinary windscreen could be cheaper than the excess. And the OP insurer might write the car off rather than replace it!
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isisalar youve started a ball rolling and i dont think the insurance company will want you to withdraw your claim at this late date,the compound rates are accruing daily,scruffy the alsation loves the open aspect of the front drivers seat and is using your steering wheel as a very large bono substitute and did i mention percy the pidgeon who is as i type cooing (yes madam cooing oo er) on the back parcel shelf.
Your car will end up as a cat c and will need a vic on this age,let due process be done but be aware most insurance companies have now stopped owners buying back salvage to cut down on fraud claims
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Insurance claimants tend to fall into one of two categories: those with little or no insurance and those with too much! A good life assurance policy, often even home insurance, should include personal accident cover, disability insurance, etc.
Best of luck with the claim/withrdawal of claim !
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Isisalar, I hear what your saying even if no other posters here can. YOU HAVEN'T GOT THE TIME TO MESS ABOUT.
I don't know whether you can force your insurer to repair the car or not. You can only ask them nicely and see what they say. Sounds like you have been with them a number of years, so try pulling the loyalty strings - might help.
As for withdrawing your claim, you will have to then pay for the recovery of the car and storage so far.
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> As for withdrawing your claim you will have to then pay for the recovery ofthe car and storage so far.
I hear what you're saying but after the inside of the car's been exposed to the elements for any length of time, would you really want it back?
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Ok so your not going to repair the vehicle yourself, in which case we look at the costs involved for the insurance company to repair the car.
First off the recovery bill could be around £150, a weeks storage at the secure compound £105 (£15 a day x 7), New drop glass £100, New battery £50, New top end stereo £250. So we have a total of £655 plus the fitting costs.
Value of an L reg 106 diesel? about £500 so as you can see it's not financially viable for them to repair it.
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It was certainly the case for some policies at least, that if a car is written off, then the balance of the insurance policy was forfeited?
I guess that the loss of premium might be equal to the value of the car as well?
Sorry !
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How about paying someone else to repair it then? Surely it would take less time just to ring National Windscreens to come and replace the glass and ask a mobile mechanic to come and replace the battery, then you don't have to lift a finger, waste any time, or go trailing the Autotrader to look for a new car which would be even more time consuming.
Of course I do understand that this may no longer be possible due to storage costs etc. I just thought it was an avenue worth looking into rather than lose a perfectly good car and end up with an unknown vehicle with patchy history.
Blue
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Blue {P} your mission if you wish to take it?
ring national windscreens and ask for a supply and fit for a drop glass for this car
please sit down when you get the quote
smiley
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If it's already been mentioned, then sorry - didn't see. So can someone explain what a 'drop glass' window is as I've never heard of it before.
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its the glass that drops into the door when you turn the handle or push that there button.no not that one that one over there
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Even if Blue did make his £200 profit, his increased premiums over the next 3/4 years would mop it all up.
Moral for next time (and for other readers. Fix it yourself. The AA would come and fit you a new battery. Autoglass would come and fit you a new window. Bob, uncle.
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Eh? I'm not going to be making any profit on this and neither is the OP. I was trying to suggest the only possible way that I can think of that would allow the OP to make a claim and still come away with his car. If it were me I wouldn't have claimed anyway but obviously we're all different and the OP clearly has a very good reason for choosing to go through the insurance route, it's just a shame that this will probably cause the loss of the car.
Blue
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Sorry Blue. It appears I was referring to your fishy namesake, Blue Haddock.
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Ah, that explains it! :-)
Blue
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