Appealing against insurance write off decision

Buster1874

My daughter span and damaged her Polo in the snow the other night. Looking at the damage I think it is touch and go wether it is repairable or not bearing in mind the age of the car. (52 reg). She wants the car back, not withstanding the fact that I've just spent over £800 on an engine overhaul. If the insurance write it off, is it possible to appeal against it if it is borderline? I don't know how they cost up spares, but all the panels and lights required can be got on Ebay at a price that I bet is far less than dealer prices. Thanks for your help.

esmerobbo

You normally get two offers one for them to write it off and take the car, and one to write it off and you keep the car. If its a cat C write off it will be registered as such and will lose value for resale or a future loss.

stephen.rooke

if its written off, they will settle your claim and you can also buy the car back from them.

im with endsleigh and my 2007 corsa was declared a cat c write off.

car was valued at £5300 and damage at £5600, they said i could ave the car back for £1250.

if your good with cars it can be a good way to make a bit of money after you've been involved in an accident, but if you went down that route make sure you see the engineers report first as there could be a lot of damage you cant see.

because of the cost of labour etc my instinct says itll be a write off

Quentin

Buster1874 wrote: »

If the insurance write it off, is it possible to appeal against it if it is borderline?

They don't really do "borderline" - if the total cost of repairs (including hire car etc) comes to 50 to 60% (depending on which insurer is involved) current value they write off in line with the policy conditions. As already advised you can "buy" the salvage off them, and have that value deducted from the settlement.

One thing to look for is that after a write off settlement many insurers end the policy, meaning that she will need to buy a new policy to insure the car. Check the policy to see if this applies.