total loss cars and insurance

ani2021

After being hit (no fault), there was a bit of time for decision to be made and during this time I was driving it for a month before garage took it away to fix. Car is 2008, decent and drivable. Apparently mechanics have resubmitted a quote and it’s more than market value and now insurers said its total loss. Offered £3k, similar to being what’s sold on market, but will take £850 for salvage if I took car back.

Not sure what to do, advise please..pros and cons

also what happens to my car insurance. I have over 10 years no claims, have a policy that allows for 3 claims without affecting my NCB, plus stuff and this policy no longer is offered. I want to keep it, but have no replacement car yet. What are my options?

help

Sandtree

Are you claiming off your insurance or theirs?

If its theirs then the matter is somewhat simpler given your insurance is still covering the vehicle just its value at the moment is £850 until the repairs are done.

If its yours you certainly need to speak to your insurers and discuss the options. You may be able to suspend the policy but then the vehicle will have to be SORNed until its insured again. Otherwise they may allow the policy to run. Unfortunately some will terminate the policy on a total loss with no option to continue or transfer it given its fulfilled its ultimate purpose of writing off the car.

ani2021

I told my insurance and they said they will get their money back from other party insurers.  As I’m not at fault, they will succeed. Other party were not forthcoming with info so had to go through mine.

now I need to decide take all money offered or take back car (depending on what category loss it is).

thanks