 | Home > My Defender > Accident Damage - Write Off? |
 
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| BarneyRubble Member Since: 08 Mar 2010 Location: Naphill Posts: 103   
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Had a slight accident the other day, insurance company are looking at calling it a total loss.
Opinions?  Click image to enlarge Click image to enlarge Click image to enlarge Click image to enlarge Barney D4 - 2016 Graphite, Montalcino Red Written Off - 2010 90 Hard Top, Stornoway Grey |
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12th Jul 2017 8:23pm |
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| trickster5000 Member Since: 12 Dec 2015 Location: East Yorkshire Posts: 502  
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The damage looks pretty much limited to the wings so might not be too bad? Is there any significant damage to anything under the bonnet?
Good luck with it and I hope you can get it repaired.  Matt.
'89 90 CSW with a 3.5 V8 conversion (WIP) - http://www.defender2.net/forum/topic46809.html |
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12th Jul 2017 8:35pm |
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| Procta Member Since: 03 Dec 2016 Location: Sunderland Posts: 5191
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What happened? looks like you got tagged by someone Defender TD5 90 ---/--- Peugeot 306 HDI hatch back
Success is 90% Inspiration and 4 minutes Preparation # you can make it! |
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12th Jul 2017 8:38pm |
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| blackwolf Member Since: 03 Nov 2009 Location: South West England Posts: 17450 
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They're probably right in that it would be uneconomical to repair using new parts and paying bodyshop labour rates. However it would undoubtedly be economic to repair using selected recycled or pattern parts and doing the bulk of the work yourself.
A classic Cat D write-off, I suggest (ie uneconomic to repair rather than unrepairable). |
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12th Jul 2017 9:39pm |
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| bankz5152 Member Since: 02 Feb 2017 Location: South London/North Kent Posts: 2178 
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Buy it buy it back. Fix yourself, as long as the chassis is still straight!
Looks like you need new steering arms, pair of wings + arches, lights, headlight surround, bumper at the very least. Id say somewhere in the region of £2 - 3K. CSK recently fixed a 90 that was worse off than this so it is doable. |
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13th Jul 2017 9:41am |
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| Laurie Member Since: 22 Feb 2008 Location: Sussex, England Posts: 2897 
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If you buy back an insurance write-off and fix it yourself you may never be able to sell it afterwards.
Seek legal advice first. |
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13th Jul 2017 10:37am |
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| bankz5152 Member Since: 02 Feb 2017 Location: South London/North Kent Posts: 2178
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Never heard of that before!
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13th Jul 2017 12:22pm |
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| Rallymental Member Since: 17 Aug 2015 Location: The Garden of England Posts: 468 
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As long as you advertise it as previously catD when/if you come to sell then there shouldn't be any problems. The definition of insanity is doing the same thing over and over again but expecting different results.
Solihull, 1948 - "If we paint the chassis, it will last for years" Solihull, 2015 - "If we paint the chassis............................. |
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13th Jul 2017 12:28pm |
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| Rallymental Member Since: 17 Aug 2015 Location: The Garden of England Posts: 468
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This may help to explain
http://www.autoexpress.co.uk/car-news/cons...-explained Interesting that the cat category system is changing this October. The definition of insanity is doing the same thing over and over again but expecting different results. Solihull, 1948 - "If we paint the chassis, it will last for years" Solihull, 2015 - "If we paint the chassis............................. |
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13th Jul 2017 12:41pm |
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| bankz5152 Member Since: 02 Feb 2017 Location: South London/North Kent Posts: 2178
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Plus keep a detailed record of images showing the work carried out + all recipts.
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13th Jul 2017 1:43pm |
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| blackwolf Member Since: 03 Nov 2009 Location: South West England Posts: 17450
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There is no legal restriction on doing this, but it may be harder to sell the vehicle and it will be worth less that one which does not have a Cat C or D write-off marker with DVLA. The only items which it is illegal to sell are items where specific legislation exists to prohibit their sale (often but not always with these it is illegal even to have them in your posession). So stolen items, illegals guns or drugs, animals covered by CITES, and many other things, are illegal to sell. Cat C or Cat D write-offs are however not illegal to buy or sell. |
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13th Jul 2017 1:49pm |
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| gilarion Member Since: 05 Dec 2013 Location: Wales Posts: 5111  
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How old is the vehicle and what value does it have, as with prices at the moment to write it off is surprising, usually insurance companies write off when the value of the repair exceeds the value of the vehicle, and I cannot see the cost of wings and accessories costing more than the value of the Defender, unless of course the chassis is bent. Actually looking at the damage to the front bumper I would be surprised if there is no damage to the chassis front leg driver’s side. For those who like Welsh Mountains and narrow boats have a look at my videos and photos at..
http://www.youtube.com/user/conwy1 |
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13th Jul 2017 1:52pm |
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| foxyred Member Since: 16 Jul 2016 Location: Nottingham Posts: 227 
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Its a Puma
Wings and inners are over 2k from LR without paint or plastics Add bumper, broken/bent steering , Driver's hockey will probably have been pushed through its mount , New tire and possible wheel All prices HAVE to be based on New Land Rover parts and Labour Would have thought your looking at the high side of 7K repair bill car is not in hence beyond economic repair |
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13th Jul 2017 7:41pm |
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| Procta Member Since: 03 Dec 2016 Location: Sunderland Posts: 5191
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I am sure you can push to get it fixed, one of the lads on the 306 forum a years ago managed to get his car fixed, instead of been wrote off. The 306 was well out of production too, it will take some digging through some old threads to find out how he did it. There was something one of the lads found to make the insurers repair the car.
I do think sometimes insurer will find the quickest and most easiest way on getting out of repairing cars. I think a coach works only gets a few quid or something to write a car off. They would rather get the work in to repair a car and make them pay. After all that's what we are paying insurances for isn't it. Defender TD5 90 ---/--- Peugeot 306 HDI hatch back Success is 90% Inspiration and 4 minutes Preparation # you can make it! |
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13th Jul 2017 8:18pm |
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