Should I claim for / write off my car after accident?

StuieUK34

Think the law has changed a bit when it comes to the value of your car as described in the glasses/pakers used car guide....
As titled, its just a guide......

Someone hit the rear of my car in March.... I dealt with the other guys insurance direct..... they sent a loss adjuster to look at the damage (minor damage as such).....
Loss adjuster was gearing towards the write off stage, due to my car being 11 years old, estimated cost of repair is around £1100 total + hire car costs, so i could tell from his questions he was thinking that route.....
in his mind, he got a figure of like £1700 for my cars worth! haha, found that funny!!

He then said, "how much do you think your car is worth?"
I followed with, "its not a case of how much i think its worth, its a case of you putting me back in an 'X' reg Nissan 200sx...... followed by there are currently 2 of these cars for sale in the UK at present, 1 costing £4200 and the other £5100, both sold by dealers.......
He went off, then called a couple of hours later to say car will be repaired.... (new bumper, bit of weld work, paint + 10 days car hire, and not a fiesta either!)

I think the used car guide prices relate to buying/selling .... insurance is like for like

mikey72

Hub wrote: »

NCD won't be lost if it's protected. Claims do not necessarily have to be disclosed for 5 years - it depends on the insurer. The insurance might and is likely to increase with the existing insurer but not necessarily with every insurer for an isolated claim.

How do you get away with making these sweeping and public statements when they are blatantly wrong?

Even if the ncd is protected, which the op hasn't said, a life will be lost.
If you read it properly, I said 5 years or so. You can put up a list of ones that aren't 5 years if it'll make you happy.
The same with your last point. If you have a list of insurers that won't increase your premium for a fault accident hitting the car in front and causing £500+ damage, we would all love to know them.

Either way, the other party is claiming, adding the claim on for the op ( or not) will make no difference to that.

Maybe you need to actually put up your answers now, or admit what you said makes little sense, and didn't help the op.

Hub

The OP hasn't said it is protected and hasn't said it isn't. Why assume it isn't? Why not just ask the question before stumbling blindly into the unknown?

Most established insurers ask for three years' of claims experience, as in 'the majority'. Granted that the premium the PH will pay is likely to go up because of the claim, but even mentioning this is pretty pointless. I think you make far too many assumptions, and that's something you can't really afford to do if you're trying to tout yourself as someone giving useful advice. I agree with a lot of what you've said, but a lot of it is just flesh. Why bother stating that the OP's insurance will go up because of the claim? Yes, it probably will for an identical risk, but for a different vehicle, for different cover, the actual premium may reduce. Especially if the OP follows some of the fine advice this website provides.

But if we're just talking about not making sense...

mikey72 wrote: »

If the third party makes a claim, you're lose your ncd, and have to declare the accident for the next 5 year or so, and your insurance will go up.

mikey72 wrote: »

If it's not repairable and you do claim, at least you're get £250+ as the payment.

...it's a good idea to think about and check what you've written before you press submit, that way you can provide people with information which is 100% useful, instead of the 50/50 split it looks like you offer.

mikey72

Hub wrote: »

The OP hasn't said it is protected and hasn't said it isn't. Why assume it isn't? Why not just ask the question before stumbling blindly into the unknown?

Most established insurers ask for three years' of claims experience, as in 'the majority'. Granted that the premium the PH will pay is likely to go up because of the claim, but even mentioning this is pretty pointless. I think you make far too many assumptions, and that's something you can't really afford to do if you're trying to tout yourself as someone giving useful advice. I agree with a lot of what you've said, but a lot of it is just flesh. Why bother stating that the OP's insurance will go up because of the claim? Yes, it probably will for an identical risk, but for a different vehicle, for different cover, the actual premium may reduce. Especially if the OP follows some of the fine advice this website provides.

But if we're just talking about not making sense...



...it's a good idea to think about and check what you've written before you press submit, that way you can provide people with information which is 100% useful, instead of the 50/50 split it looks like you offer.

So no answers?
Nothing to help?
No list of insurers?

Hub

Insurer risk assessment changes all the time. It would be pointless to provide a "list of insurers" because it could be out of date within 24 hours. The OP looks like they have all the information they need now, I just wanted to impress upon you the importance of remembering to think about what you're posting before you commit it to the Internet. No real harm done.

mikey72

Hub wrote: »

Insurer risk assessment changes all the time. It would be pointless to provide a "list of insurers" because it could be out of date within 24 hours. The OP looks like they have all the information they need now, I just wanted to impress upon you the importance of remembering to think about what you're posting before you commit it to the Internet. No real harm done.

True, all you've done is add a few posts, but no information to the thread.

99% of insurers will want to know for 5 years, and we agree they will all load you for a fault claim, so I think you actually agee with all I said at the end of the day.

Hub

mikey72 wrote: »

99% of insurers will want to know for 5 years.

This is not correct. You are wrong when you say this. Please get your facts right when you make these statements. It doesn't sound like you've ever worked in the insurance industry. Armchair insurance enthusiasts can cause more problems than they solve. I can imagine some people taking what you say at absolute face value. You need to realise the responsibility that this creates. You don't seem to want to admit when you're wrong either, and that mixed with your ignorance makes a dangerous cocktail.

vaio

I suppose that why he (fruitlessly thus far) asked you to provide a list of insurance companies that don't ask about claims/incidents in the last five years

Hub

Depending on the type of vehicle/policy/broker, here are a dozen.

Zenith
Ageas
Highway
Service
Provident
Aviva
Equity Red Star
KGM
Axa
MMA
Sabre
Groupama

Maybe you could pass this info on to mikey72?

mikey72

Aviva

How many motor claims have you made in the last 4 years?

That's about 5 or so, a I said originally. Unless yoiu have a different definition?

As to the rest, they're not direct, so will still put the op into broker only insurance, or online brokers like Swinton, who ask for 5 years hitory, also the same with going through comparison sites.
Unless you're happy to exclude are the cheapest options to promote brokers?

Not good advice for the op in that case.

But a good list if they are asking for, say three year history, and you've had a few claims between three and five year ago

Worth bookmarking, and trying a few brokers in that case.