Write off offer for car

Sandtree

TELLIT01 said:

[DELETED USER] said:

Part of the problem is that dealer prices are well above private sale prices, so you end up in a situation where you have to buy privately with all the risk that carries AND haggle them down to what the insurance company thinks it's worth.

You had a reliable car you knew the history of and you end to with an unknown used vehicle that at best has an MOT and AA check.

So if I had a car from new, fully serviced by main dealer, low mileage, good condition etc, etc and it was written off, would the insurer pay for me to replace it with another vehicle of the same make, model, age, condition, mileage, service history, from the same main dealer?

In theory, all of the above other than "from the same main dealer", FOS only requires it to be from a "reputable dealer"... back in my day service history was differentiated between dealership and non-dealership but this made more material difference to newer cars... but then things like pre-existing damage makes less impact on older cars so things somewhat balance out

TELLIT01

Thanks for the clarification Sandtree.  I accept the 'same dealer' is too restrictive, but getting 'like for like' is the basis of the question.

cybernetuk

Just an update that my car has been written off and as soon as I get an offer I will let you guys know

cybernetuk

cybernetuk said:

Just an update that my car has been written off and as soon as I get an offer I will let you guys know

So had an offer of £4500 and managed to up it to £4800.  Fairly happy with this so cant complain

Sandtree

cybernetuk said:

cybernetuk said:

Just an update that my car has been written off and as soon as I get an offer I will let you guys know

So had an offer of £4500 and managed to up it to £4800.  Fairly happy with this so cant complain

Fairly happy is as far as any insurer is going to aim to get you so seems a good result all round

[Deleted User]

Sandtree said:

I always find it amusing that every car written off is ultra reliable, in perfect condition and exceptionally low mileage according to their owners but every car for sale is a money pit waiting to open up. Some do sell their cars simply because they want something else/newer rather than because its now terminally ill.

That's because people tend not to sell reliable cars that are in good condition 

In the other hand head over to a forum like Pistonheads and the advice when you have an expensive fault is usually try to drive it down to We Buy Any Car before it becomes immobile.

[Deleted User]

TELLIT01 said:

[DELETED USER] said:

Part of the problem is that dealer prices are well above private sale prices, so you end up in a situation where you have to buy privately with all the risk that carries AND haggle them down to what the insurance company thinks it's worth.

You had a reliable car you knew the history of and you end to with an unknown used vehicle that at best has an MOT and AA check.

So if I had a car from new, fully serviced by main dealer, low mileage, good condition etc, etc and it was written off, would the insurer pay for me to replace it with another vehicle of the same make, model, age, condition, mileage, service history, from the same main dealer?

No, just one of similar age and model (not including optional upgrades) and you are expected to haggle them down.

Sandtree

[DELETED USER] said:

Sandtree said:

I always find it amusing that every car written off is ultra reliable, in perfect condition and exceptionally low mileage according to their owners but every car for sale is a money pit waiting to open up. Some do sell their cars simply because they want something else/newer rather than because its now terminally ill.

That's because people tend not to sell reliable cars that are in good condition 

In the other hand head over to a forum like Pistonheads and the advice when you have an expensive fault is usually try to drive it down to We Buy Any Car before it becomes immobile.

Maybe some don’t but plenty of people have lease cars that have to be sold after 3-5 years no matter what, PCP where the balloon doesn’t make sense to pay, simply like getting a new (to them) car every X years, circumstances change so the two seater convertible is no longer suitable etc etc.

Ive owned 4 cars in 25 years and all went because of changes in circumstances and all but the last, for wanting something “better”... only one had any mechanical issues 

[Deleted User]

Sandtree said:

[DELETED USER] said:

Sandtree said:

I always find it amusing that every car written off is ultra reliable, in perfect condition and exceptionally low mileage according to their owners but every car for sale is a money pit waiting to open up. Some do sell their cars simply because they want something else/newer rather than because its now terminally ill.

That's because people tend not to sell reliable cars that are in good condition 

In the other hand head over to a forum like Pistonheads and the advice when you have an expensive fault is usually try to drive it down to We Buy Any Car before it becomes immobile.

Maybe some don’t but plenty of people have lease cars that have to be sold after 3-5 years no matter what, PCP where the balloon doesn’t make sense to pay, simply like getting a new (to them) car every X years, circumstances change so the two seater convertible is no longer suitable etc etc.

Ive owned 4 cars in 25 years and all went because of changes in circumstances and all but the last, for wanting something “better”... only one had any mechanical issues 

A lease car they have ragged the hell out of. PCP only checks for cosmetic damage and that it runs on return.

Make sure you get a good warranty from the dealer.

TELLIT01

A lease car won't automatically have been ragged to hell.  Some company vehicles possibly, but many private individuals now lease cars and don't drive them any differently to the way they would drive a car they own outright.