Car Insurance Question

daviddchb

We have/had a 10yr old Audi A3. My wife had a prang in it at a busy roundabout. Although the damage wasn’t extensive, the insurers said that repair would be non-economic and so offered a write-off value which was accepted. The fault was almost certainly the other driver’s, by cutting across lanes, but given the busy-ness is likely to go down as a 50/50.  We also have a newer car, a Kona, insured by the same company. There was no no-claims bonus on the Audi because the company only allows that for one car and we transferred it to the Kona. Simple question is, will we get hit by a much  heavier premium on the Kona when we come to renew the insurance because of the write-off?

cw8825

daviddchb said:

We have/had a 10yr old Audi A3. My wife had a prang in it at a busy roundabout. Although the damage wasn’t extensive, the insurers said that repair would be non-economic and so offered a write-off value which was accepted. The fault was almost certainly the other driver’s, by cutting across lanes, but given the busy-ness is likely to go down as a 50/50.  We also have a newer car, a Kona, insured by the same company. There was no no-claims bonus on the Audi because the company only allows that for one car and we transferred it to the Kona. Simple question is, will we get hit by a much  heavier premium on the Kona when we come to renew the insurance because of the write-off?

it should be declared and will be used to set the premium.
its more likely then not for your renewal to go up due to this

DullGreyGuy

daviddchb said:

We have/had a 10yr old Audi A3. My wife had a prang in it at a busy roundabout. Although the damage wasn’t extensive, the insurers said that repair would be non-economic and so offered a write-off value which was accepted. The fault was almost certainly the other driver’s, by cutting across lanes, but given the busy-ness is likely to go down as a 50/50.  We also have a newer car, a Kona, insured by the same company. There was no no-claims bonus on the Audi because the company only allows that for one car and we transferred it to the Kona. Simple question is, will we get hit by a much  heavier premium on the Kona when we come to renew the insurance because of the write-off?

The fact its a write off will be irrelevant, your wife will have to declare a fault accident on all policies that she holds or is a named driver on and those policies can expect to see a premium increase (this assumes it settles 50/50 as roundabouts often do)

daviddchb

Many thanks for your help on this. I thought that was probably the case. I guess we'll put as much pressure on the insurers as possible to find no-fault, but given no witnesses left details (too busy for anyone to safely stop tbf) and no police involvement then realistically likely to be end up 50/50

Lablovezel2

I have been told by the garage whos doing the bodyrepair on my car, it's not allowed to keep the parts coming off the car, due to the insurance company will pay for the repair. I was the non-fault party and the thrid party insurance company will sort this out. But. The parts on my car is still my property and they only pay for the new parts and the labour. So why can't i keep them? Are they right on this?

DullGreyGuy

Lablovezel2 said:

I have been told by the garage whos doing the bodyrepair on my car, it's not allowed to keep the parts coming off the car, due to the insurance company will pay for the repair. I was the non-fault party and the thrid party insurance company will sort this out. But. The parts on my car is still my property and they only pay for the new parts and the labour. So why can't i keep them? Are they right on this?

Yes, you had a car with a wing in good condition, after the repair you will still have a car with a wing in good condition and so have been indemnified which is what the law states has to happen. 

If you got the car repaired and were allowed to keep the old parts that you'd mean you have a car with a wing in good condition and now also a spare damaged wing which isn't indemnity but betterment which you have no legal right to. 

Personally, I doubt the insurer cares as there isn't a big market for damaged wings but the garage may have reduced their hourly rate in exchange for them keeping the parts for their non-insurance work. If you want them then either speak to the garage or insurer about buying the parts from them. 

Lablovezel2

DullGreyGuy said:

Lablovezel2 said:

I have been told by the garage whos doing the bodyrepair on my car, it's not allowed to keep the parts coming off the car, due to the insurance company will pay for the repair. I was the non-fault party and the thrid party insurance company will sort this out. But. The parts on my car is still my property and they only pay for the new parts and the labour. So why can't i keep them? Are they right on this?

Yes, you had a car with a wing in good condition, after the repair you will still have a car with a wing in good condition and so have been indemnified which is what the law states has to happen. 

If you got the car repaired and were allowed to keep the old parts that you'd mean you have a car with a wing in good condition and now also a spare damaged wing which isn't indemnity but betterment which you have no legal right to. 

Personally, I doubt the insurer cares as there isn't a big market for damaged wings but the garage may have reduced their hourly rate in exchange for them keeping the parts for their non-insurance work. If you want them then either speak to the garage or insurer about buying the parts from them. 

Thank you for the answer.

That's a really good perspective it make sense.

But still a bit dodgy this part because. As i said, that is my propertry, i paid for it. If i can have some benefit from this accident why does it bothers anyone? Yes i will be indemnified but how they know i can really get something from the parts? This is a risk for me as well not a guaranteed "income". The insurance company or the garage can have some benfits (from my parts)? By the way, the repair costs is 2 grand for really minor damages whats barely visible. (thats is why i want to keep them) I don't think a garage reduced the price because at the time when i got the qoute they thought it will be sorted out outside the insurance but when the guy saw the qoute he changed his mind and claimed it. It wasn't my fault but i was one who took extra miles to get it fixed. emails, calls, travel, time, etc. If there isn't a big market for damaged parts than why is illegal to keep them anyway. Probably because sometimes it's not heavily damaged.
So basically even though I own something, the system doesn't let me do well.

"As the owner of the vehicle, you are entitled to keep any parts that are removed from your car during a service or repair, regardless of their condition. When booking in your car for work, it is important that you notify the garage at this stage not to dispose of any old parts that are taken off your vehicle." -from the motor ombudsman website. (However it's not mentioned when an insurance company are involved.)

Thanks again

cw8825

Lablovezel2 said:

DullGreyGuy said:

Lablovezel2 said:

I have been told by the garage whos doing the bodyrepair on my car, it's not allowed to keep the parts coming off the car, due to the insurance company will pay for the repair. I was the non-fault party and the thrid party insurance company will sort this out. But. The parts on my car is still my property and they only pay for the new parts and the labour. So why can't i keep them? Are they right on this?

Yes, you had a car with a wing in good condition, after the repair you will still have a car with a wing in good condition and so have been indemnified which is what the law states has to happen. 

If you got the car repaired and were allowed to keep the old parts that you'd mean you have a car with a wing in good condition and now also a spare damaged wing which isn't indemnity but betterment which you have no legal right to. 

Personally, I doubt the insurer cares as there isn't a big market for damaged wings but the garage may have reduced their hourly rate in exchange for them keeping the parts for their non-insurance work. If you want them then either speak to the garage or insurer about buying the parts from them. 

Thank you for the answer.

That's a really good perspective it make sense.

But still a bit dodgy this part because. As i said, that is my propertry, i paid for it. If i can have some benefit from this accident why does it bothers anyone? Yes i will be indemnified but how they know i can really get something from the parts? This is a risk for me as well not a guaranteed "income". The insurance company or the garage can have some benfits (from my parts)? By the way, the repair costs is 2 grand for really minor damages whats barely visible. (thats is why i want to keep them) I don't think a garage reduced the price because at the time when i got the qoute they thought it will be sorted out outside the insurance but when the guy saw the qoute he changed his mind and claimed it. It wasn't my fault but i was one who took extra miles to get it fixed. emails, calls, travel, time, etc. If there isn't a big market for damaged parts than why is illegal to keep them anyway. Probably because sometimes it's not heavily damaged.
So basically even though I own something, the system doesn't let me do well.

"As the owner of the vehicle, you are entitled to keep any parts that are removed from your car during a service or repair, regardless of their condition. When booking in your car for work, it is important that you notify the garage at this stage not to dispose of any old parts that are taken off your vehicle." -from the motor ombudsman website. (However it's not mentioned when an insurance company are involved.)

Thanks again

You are keeping the parts. The new ones that have been placed on your vehicle

The insurance is not there for you to benefit from. It’s there to put you back in the position you were before the accident. 

If the damage was only minor you could have had a discussion about the cash in lieu of repairs but that is no longer an option

Lablovezel2

cw8825 said:

Lablovezel2 said:

DullGreyGuy said:

Lablovezel2 said:

I have been told by the garage whos doing the bodyrepair on my car, it's not allowed to keep the parts coming off the car, due to the insurance company will pay for the repair. I was the non-fault party and the thrid party insurance company will sort this out. But. The parts on my car is still my property and they only pay for the new parts and the labour. So why can't i keep them? Are they right on this?

Yes, you had a car with a wing in good condition, after the repair you will still have a car with a wing in good condition and so have been indemnified which is what the law states has to happen. 

If you got the car repaired and were allowed to keep the old parts that you'd mean you have a car with a wing in good condition and now also a spare damaged wing which isn't indemnity but betterment which you have no legal right to. 

Personally, I doubt the insurer cares as there isn't a big market for damaged wings but the garage may have reduced their hourly rate in exchange for them keeping the parts for their non-insurance work. If you want them then either speak to the garage or insurer about buying the parts from them. 

Thank you for the answer.

That's a really good perspective it make sense.

But still a bit dodgy this part because. As i said, that is my propertry, i paid for it. If i can have some benefit from this accident why does it bothers anyone? Yes i will be indemnified but how they know i can really get something from the parts? This is a risk for me as well not a guaranteed "income". The insurance company or the garage can have some benfits (from my parts)? By the way, the repair costs is 2 grand for really minor damages whats barely visible. (thats is why i want to keep them) I don't think a garage reduced the price because at the time when i got the qoute they thought it will be sorted out outside the insurance but when the guy saw the qoute he changed his mind and claimed it. It wasn't my fault but i was one who took extra miles to get it fixed. emails, calls, travel, time, etc. If there isn't a big market for damaged parts than why is illegal to keep them anyway. Probably because sometimes it's not heavily damaged.
So basically even though I own something, the system doesn't let me do well.

"As the owner of the vehicle, you are entitled to keep any parts that are removed from your car during a service or repair, regardless of their condition. When booking in your car for work, it is important that you notify the garage at this stage not to dispose of any old parts that are taken off your vehicle." -from the motor ombudsman website. (However it's not mentioned when an insurance company are involved.)

Thanks again

You are keeping the parts. The new ones that have been placed on your vehicle

The insurance is not there for you to benefit from. It’s there to put you back in the position you were before the accident. 

If the damage was only minor you could have had a discussion about the cash in lieu of repairs but that is no longer an option

Yeah. Third party didn't see the damage (not from me at least, i am not sure about the communication between the 2 insurance company) I only sent them the quote about the repair.

Thx

BarelySentientAI

Lablovezel2 said:

DullGreyGuy said:

Lablovezel2 said:

I have been told by the garage whos doing the bodyrepair on my car, it's not allowed to keep the parts coming off the car, due to the insurance company will pay for the repair. I was the non-fault party and the thrid party insurance company will sort this out. But. The parts on my car is still my property and they only pay for the new parts and the labour. So why can't i keep them? Are they right on this?

Yes, you had a car with a wing in good condition, after the repair you will still have a car with a wing in good condition and so have been indemnified which is what the law states has to happen. 

If you got the car repaired and were allowed to keep the old parts that you'd mean you have a car with a wing in good condition and now also a spare damaged wing which isn't indemnity but betterment which you have no legal right to. 

Personally, I doubt the insurer cares as there isn't a big market for damaged wings but the garage may have reduced their hourly rate in exchange for them keeping the parts for their non-insurance work. If you want them then either speak to the garage or insurer about buying the parts from them. 

Thank you for the answer.

That's a really good perspective it make sense.

But still a bit dodgy this part because. As i said, that is my propertry, i paid for it. If i can have some benefit from this accident why does it bothers anyone? Yes i will be indemnified but how they know i can really get something from the parts? This is a risk for me as well not a guaranteed "income". The insurance company or the garage can have some benfits (from my parts)? By the way, the repair costs is 2 grand for really minor damages whats barely visible. (thats is why i want to keep them) I don't think a garage reduced the price because at the time when i got the qoute they thought it will be sorted out outside the insurance but when the guy saw the qoute he changed his mind and claimed it. It wasn't my fault but i was one who took extra miles to get it fixed. emails, calls, travel, time, etc. If there isn't a big market for damaged parts than why is illegal to keep them anyway. Probably because sometimes it's not heavily damaged.
So basically even though I own something, the system doesn't let me do well.

"As the owner of the vehicle, you are entitled to keep any parts that are removed from your car during a service or repair, regardless of their condition. When booking in your car for work, it is important that you notify the garage at this stage not to dispose of any old parts that are taken off your vehicle." -from the motor ombudsman website. (However it's not mentioned when an insurance company are involved.)

Thanks again

You don't own the old parts.  Those bits became the property of the insurer when they gave you the new ones.

Lablovezel2

BarelySentientAI said:

Lablovezel2 said:

DullGreyGuy said:

Lablovezel2 said:

I have been told by the garage whos doing the bodyrepair on my car, it's not allowed to keep the parts coming off the car, due to the insurance company will pay for the repair. I was the non-fault party and the thrid party insurance company will sort this out. But. The parts on my car is still my property and they only pay for the new parts and the labour. So why can't i keep them? Are they right on this?

Yes, you had a car with a wing in good condition, after the repair you will still have a car with a wing in good condition and so have been indemnified which is what the law states has to happen. 

If you got the car repaired and were allowed to keep the old parts that you'd mean you have a car with a wing in good condition and now also a spare damaged wing which isn't indemnity but betterment which you have no legal right to. 

Personally, I doubt the insurer cares as there isn't a big market for damaged wings but the garage may have reduced their hourly rate in exchange for them keeping the parts for their non-insurance work. If you want them then either speak to the garage or insurer about buying the parts from them. 

Thank you for the answer.

That's a really good perspective it make sense.

But still a bit dodgy this part because. As i said, that is my propertry, i paid for it. If i can have some benefit from this accident why does it bothers anyone? Yes i will be indemnified but how they know i can really get something from the parts? This is a risk for me as well not a guaranteed "income". The insurance company or the garage can have some benfits (from my parts)? By the way, the repair costs is 2 grand for really minor damages whats barely visible. (thats is why i want to keep them) I don't think a garage reduced the price because at the time when i got the qoute they thought it will be sorted out outside the insurance but when the guy saw the qoute he changed his mind and claimed it. It wasn't my fault but i was one who took extra miles to get it fixed. emails, calls, travel, time, etc. If there isn't a big market for damaged parts than why is illegal to keep them anyway. Probably because sometimes it's not heavily damaged.
So basically even though I own something, the system doesn't let me do well.

"As the owner of the vehicle, you are entitled to keep any parts that are removed from your car during a service or repair, regardless of their condition. When booking in your car for work, it is important that you notify the garage at this stage not to dispose of any old parts that are taken off your vehicle." -from the motor ombudsman website. (However it's not mentioned when an insurance company are involved.)

Thanks again

You don't own the old parts.  Those bits became the property of the insurer when they gave you the new ones.

Can you support your statement? Can't find anything states that. Neither in my policy.