Beyond economic repair

robatwork

Anyone "in the business" here?

My car was just written off. Apparently it's going off to be crushed/recycled.

The insurers have insisted I send back the spare keys and MOT certificate. Why on earth do they need that, given the above?

Maybe they aren't going to crush it after all?

Perhaps someone can give me a plausible reason why they want the other key.....(they have one already but it can't be driven in any case)



Rob

Chopper_Read

What are the circumstances of the write off?

System

Because if they are paying out on a write off they take ownership of the vehicle and have the right to have them?

Circumstances of the write off are neither here nor there

Norman_Castle

They will sell it as salvage. Whoever buys it will decide if it is repaired or scrapped.

Quentin

!!!!!! wrote: »

Because if they are paying out on a write off they take ownership of the vehicle and have the right to have them?

Circumstances of the write off are neither here nor there

The circumstances are significant. (Especially if the op wants to keep the car)

You don't have to surrender ownership to a third party insurer.

colino

It is part of their normal procedure because nowadays the insurance companies reselling, even of cat A and B, is so important to them financially they want it sitting at a salvage auction, fully cleared for sale asap. You never know, your bruised pride and joy could get a breaker a nice couple of hundred for a complete steering column if it has the keys.

Chopper_Read

colino wrote: »

It is part of their normal procedure because nowadays the insurance companies reselling, even of cat A and B, is so important to them financially they want it sitting at a salvage auction, fully cleared for sale asap. You never know, your bruised pride and joy could get a breaker a nice couple of hundred for a complete steering column if it has the keys.

Cat A can only go in the crusher so why do they need any keys?

colino

Chopper without the keys, V5C and MOT it can't automatically be cleared for sale without someone else actually intervening and authorising it. Part of the streamlined, super efficient, no-skills required car insurance industry we now have. (God bless Peter Wood).

[Deleted User]

I would ask for the car back as part of the settlement. Depending on how bad the damage is, have it repaired myself or sell it on for £££.

Insurance companies are the biggest shysters going along with estate agents and letting agents.

harleq1962

Deleted_User wrote: »

I would ask for the car back as part of the settlement. Depending on how bad the damage is, have it repaired myself or sell it on for £££.

Insurance companies are the biggest shysters going along with estate agents and letting agents.

I had an 04 fiesta it was totaled by my wife wen the car skidded on the motorway on black ice, the front was flat everything went bonnet, wings, bumper, headlights, radiator, engine was damaged and the airbags went off, the car was formally a Cat C car and the insurance company offered to sell me it back for close to £700,
the reason I wanted it back was a friend wanted the interior and other bits, the car was put onto a salvage site a week after I settled then a week after that someone phoned me and said it was on ebay for parts, they will let you have it as part of the settlement but you have to pay them somewhere along the line.

robatwork

Well I didn't send them the keys or MOT. They told me it was fit only to be crushed as it was dangerous to be on the road. It had had a nasty rear three quarter shunt. it had to get assessed at a "specialist" after the usual insurance assessment.

As it was "fit to be crushed" I took them at their word and hope they won't cut & shut it. They paid out without the spare key....

thanks for all replies