hate insurance!

[JordzSaxo91]

My car is worth about 2000, i get hit in the back by a van, my insurance (helpful bunch).. tell me to take it to get looked at so we can repair it asap! so i do, i get a call back saying. "Sorry Mr.Lewis but the car will cost about £2300 to repair so we can't do that, however we can offer you £2000 and call it a write off"... WTF?

So i take it to a garage nearer to me, and get a quote for £1000, ah :) nice.
So i ring the insurance back and say that i can take the money and repair it myself and then were fine? No no, if i do that, my insurance is not valid as my car (In thier opinion) is un safe.. But it's been fine for me to drive the past week?...

So, now im absolutely 'effin fuming, and I now have £2000 for a new car, but my car after christmas, is Norwich Union's...
Happy fucking days.

I do hope no one's had anything similiar but, share your views please!
Rant over.

[JordzSaxo91]

EDIT: the reason they couldnt fix btw, dont want to confuse anyone, is because the car being worth 2000, they wont repair it for 2300.
Lovely.

[scottyvts]

Well if the cars is only worth £2000 and they are giving you £2000 whats the problam?

[smiith]

exactly, your getting what its worth??? you can always say no to the £2000 you know, and say its worth more and push for another £100 or so

[Prickle]

i wouldnt be complaining tbh, your getting what its worth arnt you ?? :)

[VTEC-Saxo]

yeah if the cars not even that bad written off, ask to buy the car back get it fixed and you got a grand left for mods, result
was readin abotu a guy who wrote off his modded car was like a vts cammed ect, they offerd him about 3k he brought the car back for £1000 and put everything off it onto a donor sax

[JordzSaxo91]

Im complaining because it's my saxo =[ i love it!
and just because some dozey prick's gone into the back for i me i have to look for another car?
Il try and upload a picture of the damage on here, Because there's no chance in hell it's £2300 worth of damage!

[Prickle]

depends on if the back end is creased or out due to the impact :)

[JordzSaxo91]

Obviously im happy too i get to try a new car ! haha, but it just annoy's me that's all :\

Just found this though, interesting!
http://search.autotrader.co.uk/es-uk/www/cars/FORD+FIESTA/Ne-2-4-5-6-7-8-27-44-49-53-61-64-67-103-133-146-236,N-9-14-42-62-109-147-240-4294966400-4294967194/advert.action?R=200850325126344&distance=22&postcode=so53+1fq&channel=CARS&make=FORD&model=FIESTA&min_pr=1000&max_pr=3000&max_mileage=80000&vehicleYearOfManufacture=2001&vehicleRegLetter=Y

[VTEC-Saxo]

looks a bit overpriced...

[Prickle]

ford = rust

there is some nice fiesta's about, one or a few on here that is smart :)

[smiith]

Obviously im happy too i get to try a new car ! haha, but it just annoy's me that's all :\

Just found this though, interesting!
http://search.autotrader.co.uk/es-uk/www/cars/FORD+FIESTA/Ne-2-4-5-6-7-8-27-44-49-53-61-64-67-103-133-146-236,N-9-14-42-62-109-147-240-4294966400-4294967194/advert.action?R=200850325126344&distance=22&postcode=so53+1fq&channel=CARS&make=FORD&model=FIESTA&min_pr=1000&max_pr=3000&max_mileage=80000&vehicleYearOfManufacture=2001&vehicleRegLetter=Y

1. its a ford
2. will be covered in rust
3. its on stilts
4. its haz 5 doors
5. them wheels are crap
6. dont get a ford

[JordzSaxo91]

The back of the car is quite dented, BUT, after taking it to another garage, i was told nothing's out of place to make it "written off", but new back bumper and prehaps boot too, But how can one garage say they can fix it for £1000, and another say £2300?

[Prickle]

But how can one garage say they can fix it for £1000, and another say £2300?

greedy for money at the end of the day, thats my opinion

[VTEC-Saxo]

The back of the car is quite dented, BUT, after taking it to another garage, i was told nothing's out of place to make it "written off", but new back bumper and prehaps boot too, But how can one garage say they can fix it for £1000, and another say £2300?

Mate its a 1.1 its been written off, your looky to get 2 grand, stop complaining and arguing against the fact that its over. end of thread tbh.

[JordzSaxo91]

[QUOTE=smiith;2806416]1. its a ford
2. will be covered in rust
3. its on stilts
4. its haz 5 doors
5. them wheels are crap
6. dont get a ford[/QUOTE

1. I dont mind Fords (That much!)
2. You think?
3. Prehaps:P

I guess the 5 doors is a bit lame but, right now it's just something that caught my eye! and i have my own alloys so wouldn't be using them!

[smiith]

The back of the car is quite dented, BUT, after taking it to another garage, i was told nothing's out of place to make it "written off", but new back bumper and prehaps boot too, But how can one garage say they can fix it for £1000, and another say £2300?

probably to turn the job down...

Plus if insurance is paying, garages over price because if insurance are going to pay, they will...

[JordzSaxo91]

Oh ffs, bloody quoting!
Anyway yeah that's the only thing i thought, garage crank up the price.
Either way i need to find a new car!

[VTEC-Saxo]

i was working at a bodyshop who delt with accident isurance repairs, if they got a job that looked to far gone they would have charged you fall all brand new parts ect, if your bumper had a scratch they wouldnt fuck about with it they would charge you 150 quid bumper 100 quid paint + labor ect,

[VTEC-Saxo]

get a westy or sumti for about 1500

[JordzSaxo91]

Dont tell me to shut up and deal with it, im just a tad bit pissed off as yesterday it was a "When would you like to bring it in for repairs?" and now all of a sudden its bye bye car..
Been a long day!

[Jamie]

I fucking hate insurance.

4k tpft ona 2.0 206 gti 180 i got roped in to at the time,

Wanted a scoob but settled for my ST because my quote was 6k

And i have only 3 points, 3 yrs driving 3 yrs no claims.

Pah

[VTEC-Saxo]

http://cgi.ebay.co.uk/2002-FORD-FIESTA-ZETEC-S-SILVER_W0QQitemZ250343566586QQcmdZViewItemQQptZAut omobiles_UK?hash=item250343566586&_trksid=p3286.c0.m14&_trkparms=66%3A2%7C65%3A3%7C39%3A1%7C240%3A1318

[Andi9386]

I can see both sides of the Story here.

From the insurance side of things, they are saying that if you take it to another garage not specified by them then you are not covered if anything goes wrong.

From your point of view JordzSaxo91 you found somwhere that quoted you less than the specified Garage that your insurance company use.

When I had my accident my insurance company wanted me to drive it down to Ayr (15 miles) to get it into a Coachworks, but I told them that the insurance would be void if I did that, as if the Police pull me over I would be playing piggy in the middle, with my insurance company denying me to drive the damaged car, and the Police booking me and me pos loosing my licence due to driving an unsafe car.

I told my insurance company that under the circumstances they should arrange to have my car picked up and taken to the Coachworks, as you couldn't open the passenger door because the door pillar was bent inwards preventing the opening of the door.

Now I paid £1000 for the car and got told by both the Coachworks and Nationwide Crash Repair Centre where my car had been taken after the coachworks declared it a write off, that it was a write off and to get in touch with my insurance company, and the 3rd Party's (Other driver) insurance company to tell them my car was a write off.

I got a cheque from the 3rd Party's insurance company for £1200, £200 went straight to HBOS to close my account down and the other £1000 in my account.

Once the cheque had cleared I withdrew £1000 from my main account and a futher £2000 from my premium bonds account and bought myself a new car.

Best thing to do mate is SHUT UP and get on with it.

[Ste]

Take the 2k, then buy the car back, and fix it.

[b3x_vtr]

your lucky mate, i bought my old car for 1600, had only done about 6000 miles in it, insured it for 1600 and when someone hit me they tried to give me 600 for it, but settled on 800 when i put up a fight!! half what i paid for it!! only had it for 7 months!! so you getting the value back is pretty sweet in my opinion!

x