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How long before a car is declared a total loss

BackOfMyT · 2019-05-30 08:21:41

So my car suffered some serious damage, I went to the manufacturers part department of the make of the car and got a breakdown of parts needed to repair the vehicle the total costs exceed £10,000 minus the labour the garage will charge for the car which will be a few thousands. Based on the parts alone the car is a write…

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molerat Posts: 34,532 Forumite

30 May 2019 at 5:12PM

Your insurer will not be using manufacturers original parts at retail price so you wasted your time. When they send their assessor to look at the damage they may decide it is not a write off and only pay out what it would cost them to repair it less the inflated excess. Your policy no doubt states that they can use non original or used parts for the repair, especially on an older car.

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