Car insurance claim (1 Viewer)

CCFC88 · Nov 15, 2016

Hi all, just looking for a bit of advice,

I've just been hit whilst driving, my car is worth in the region of £850, a 55 plate Peugeot 206, I expect it would be written off by insurer. I'm not too up on how claims work and having read a number of differing articles on the web and my policy details I am still not entirely sure where I stand.

If the accident is his fault and I make a claim, it is written off I will receive £850, the value of the car. Will my insurance then take the £500 voluntary excess written into my policy away from this ecen if it was not my fault?

Thanks in advance!

We'll_live_and_die · Nov 15, 2016

No because it would be his insurance paying out and not yours. Simples

CCFC88 · Nov 15, 2016

Rich said:
No because it would be his insurance paying out and not yours. Simples

I thought (and hoped) as much, all I need to do now then is contact my insurer do I and they will contact his?

duffer · Nov 15, 2016

CCFC88 said:
I thought (and hoped) as much, all I need to do now then is contact my insurer do I and they will contact his?

If I remember rightly you'll probably both have to complete claim forms that explain the circumstance of the accident, but your first step is definitely to inform your insurer.

When it comes to it, if they do write the car off they used to be reasonably happy for you to retain the vehicle for very little money. This can be useful if you think it's possible to get it repaired more cheaply and/or if the damage is primarily cosmetic. This may have changed now in fairness, so don't quote me on this though!

Be prepared to haggle for the value of the vehicle too - again insurance companies often seem to make derisory offers, at least initially.

Pipehitterz · Nov 15, 2016

AS Long as you have his details they should do the rest

If he admits to his insurance that he was at fault, it should go swimmingly
If he says it was you, then it's down to the company's to come up with who was liable.

Also, it's 850 your valuation?
If so, I would expect you'll be offered no more than £500 quid so do not plan your next car around the £850 cheque.

Hopefully it goes well, if he declines to admit fault and insurance cannot prove it, you will be liable to pay your own excess just to get your 'write off ' cheque.

It's a murky business, your insurance is already working it out, trying not to pay you any money.

eastwoodsdustman · Nov 15, 2016

Best thing to do is claim from third party insurance direct with you having a £500 excess on an £850 car as you'd end up having to claim the excess back from them anyway. Usually if you claim from the tp insurers direct then they will pay you out for the vehicle less a deduction for you to retain the salvage. This will mean that you'll get £x amount and keep the car and use the money towards either a new car or on repairs to put the car back on the road. Most insurers are ok to cover it still as long as its a cat c or cat d total loss.
PM me if you need any advice. Oh, and dont get a £500 excess on a £850 car in future!

olderskyblue · Nov 15, 2016

duffer said:
When it comes to it, if they do write the car off they used to be reasonably happy for you to retain the vehicle for very little money

I did this with a car of mine decades ago. Paid £25 to keep it. (Still got the car too..)

eastwoodsdustman · Nov 15, 2016

olderskyblue said:
I did this with a car of mine decades ago. Paid £25 to keep it. (Still got the car too..)

Just be aware though, that any future total loss will be reduced by roughly 25% as a rule of thumb as it's been written off once before.

Deleted member 5849 · Nov 15, 2016

olderskyblue said:
I did this with a car of mine decades ago. Paid £25 to keep it. (Still got the car too..)

Now I'm intrigued.

olderskyblue · Nov 15, 2016

Deleted member 5849 said:
Now I'm intrigued.

haha. Well, it's a classic. I can't really let go of it. Had it 40 years now.

Deleted member 5849 · Nov 15, 2016

olderskyblue said:
haha. Well, it's a classic. I can't really let go of it. Had it 40 years now.

Hillman Hunter?

olderskyblue · Nov 15, 2016

Deleted member 5849 said:
Hillman Hunter?

Nope, Triumph TR4A

Deleted member 5849 · Nov 15, 2016

olderskyblue said:
Nope, Triumph TR4A

I'll keep my eyes peeled

olderskyblue · Nov 15, 2016

Deleted member 5849 said:
I'll keep my eyes peeled

I wouldn't do that until next spring now..

Deleted member 5849 · Nov 15, 2016

olderskyblue said:
I wouldn't do that until next spring now..

Alright, I'll spend my time peaking in garages!

wingy · Nov 15, 2016

olderskyblue said:
Nope, Triumph TR4A

Oh yeah!!

wingy · Nov 15, 2016

olderskyblue said:
Nope, Triumph TR4A

Sky blue??

olderskyblue · Nov 15, 2016

wingy said:
Sky blue??

Nope, Conifer

mrtrench · Nov 16, 2016

Deleted member 5849 said:
Alright, I'll spend my time peaking in garages!

It's always good to have a hobby.

duffer · Nov 16, 2016

olderskyblue said:
Nope, Triumph TR4A

Is that not one of the prettiest cars ever (I think that's a TR4A below). That was £25 well-spent, sir.

Gazolba · Nov 16, 2016

Rich said:
No because it would be his insurance paying out and not yours. Simples

When did simple become a plural?

olderskyblue · Nov 16, 2016

duffer said:
Is that not one of the prettiest cars ever (I think that's a TR4A below). That was £25 well-spent, sir.

That is indeed the 4A and the correct colour, it's a very late one. They stopped making them in 67. Although, the reflector on the front wing behind the wheel isn't standard fit.

olderskyblue · Nov 16, 2016

Mine

duffer · Nov 16, 2016

olderskyblue said:
Mine

A thing of rare beauty, but if you polish it any more you're going to wear the paint off. There are surgical instruments that aren't as well cleaned as that car.

Is that a standard rear windscreen, may I ask? I've not seen one like that before...

olderskyblue · Nov 16, 2016

duffer said:
A thing of rare beauty, but if you polish it any more you're going to wear the paint off. There are surgical instruments that aren't as well cleaned as that car.

Is that a standard rear windscreen, may I ask? I've not seen one like that before...

It's called a surrey top. Proper back window, hard or soft top that fit on the top. The one in the your picture is a fully retractable soft top

Car insurance claim (1 Viewer)

Well-Known Member

Super Moderator

Well-Known Member

Well-Known Member

Well-Known Member

Well-Known Member

Well-Known Member

Well-Known Member

Deleted member 5849

Guest

Well-Known Member

Deleted member 5849

Guest

Well-Known Member

Deleted member 5849

Guest

Well-Known Member

Deleted member 5849

Guest

Well-Known Member

Well-Known Member

Well-Known Member

Well-Known Member

Well-Known Member

Well-Known Member

Well-Known Member

Well-Known Member

Well-Known Member

Well-Known Member

Users who are viewing this thread

Privacy & Transparency

Privacy & Transparency