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Author Subject: Insurance write off?
keeno

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Location: London

Registered: 05 Apr 2010

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Post #1
Just my luck!

On Tuesday morning on the M4, some cabbie drove into the rear of my Bianca Rallye.

It was not a major impact, but the rear bumper was obviously a mess and exhaust was slighly hanging. The thing is i think the rear boot lining (pls correct me) has been pushed in, as the boot door is fine, and not a scratch on it, but the panel underneath has been pushed in quite abit! Sad

Should i expect it back?

If not, should i buy it back as, the engine is mint (Deepaks) rebuit unit, and has alot replaced in my time of owning it. Now i cannot break a car as i do not have the skills to do so, but is it worth buying it back and then selling as spares??

I'm sure a few owners on here have had simular dilemma's, so some help would be nice.

Thanks

________________________________________

2 x 205 gti (dead)
1 x 106 gti (dead)
Owner of a Bianca Rallye now
Posted 4th Feb 2012 at 13:51
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tvrfan007

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Registered: 29 May 2005

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Post #2
Will be a write off as it's going to cost more than a packet of Rizlas to fix.

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Posted 4th Feb 2012 at 14:01
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keeno

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Location: London

Registered: 05 Apr 2010

Posts: 58

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Post #3
tvrfan007 wrote:
Will be a write off as it's going to cost more than a packet of Rizlas to fix.


Thought so, oh well.

Just my luck, i really on use it on weekends and the one day i take it to work and then it gets smashed into.

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2 x 205 gti (dead)
1 x 106 gti (dead)
Owner of a Bianca Rallye now
Posted 4th Feb 2012 at 14:05
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mik

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Location: Kent

Registered: 17 Feb 2011

Posts: 2,100

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Post #4
Get it fixed yourself if it is not a major job and you can afford to do so. You would also presumably keep your NCB if you do not go through insurance.

These cars are going to become extinct pretty quickly if they get broken at their current rate.

Those old Alfa juniors etc once worht sod-all are hugely desirable now for similar reasons to the great things about Rallyes - fantastic handling, tactile, smile on face driving etc. I think in the future Rallyes may well increase in desirability even though they are worth nothing now. Lots of cars hae gone through a worth nothing phase and then increased in value later on.

I reckon fix it if you can. What else can you get that drives that well?

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Posted 4th Feb 2012 at 14:24
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keeno

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Location: London

Registered: 05 Apr 2010

Posts: 58

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Post #5
Its already gone through the insurance to sort out.

I have already spent a huge amount in the 2 years i have owned her, just trying to keep it on the road, so i will not spend another huge amount on trying to fix it again.

________________________________________

2 x 205 gti (dead)
1 x 106 gti (dead)
Owner of a Bianca Rallye now
Posted 4th Feb 2012 at 14:32
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ryangti6

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Location: Pontypool

Registered: 01 Sep 2006

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Post #6
As far as I know if you are not happy with what they offer you can decline and withdraw your claim. Have you still got the car with you or do they have it?

If I was you I would get the car back (if you havnt) and get an independant evaluation on it so if/when they offer you a payout you can ofset the cost of the repair against the payout and see if it makes more sense to keep and repair with payout money or just take the full payout and buy another.
Companies seem to differ quite a bit on how much they reduce the payout when you decide to keep the car so I wouldnt be making any concrete decisions until hearing what they are prepared to offer you.

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Posted 4th Feb 2012 at 16:03
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jcphat

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Registered: 22 Feb 2008

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Post #7
If the guy ran into the back of you all should be well.
First tell his insurers that if they do not settle fairly and quickly you will go to claims vultures and get a "credit hire" car until they do(that is the system which allows you to have a cheap car which they pay thousands for)
Get the car back, get either the full cost of repairs or the full value of the car-and make them aware that includes the full cost of a rebuilt engine etc-so not just any 10+year old French hatchback and then decide what you want to do.
His insurers don't want the car so if they say it is a write off then offer them the scrap value-if they seek more then ask why?

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Posted 4th Feb 2012 at 16:23
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arigti6

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Post #8
Get it fixed.. Too many get broken.

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Posted 4th Feb 2012 at 21:19
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dangti6

aka JKshooter

Location: Taunton, Somerset

Registered: 15 Jun 2006

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Post #9
jcphat wrote:
or the full value of the car-and make them aware that includes the full cost of a rebuilt engine etc-so not just any 10+year old French hatchback and then decide what you want to do.


Just out of interest is that something you have done successfully?

I know of someone who had just spent a pretty penny having a full rebuild and was hit only a few weeks later. They classed it as 'maintenance' and wouldn't take it into concideration any more than that of a similiar car with FSH and similar mileage/condition which would have presumably needed the same treatment ,theoretically speaking.

Perhaps he was fobbed off in his case. But I could imagine they would really push the fact that the market value is the market value and otherwise an agreed valuation would of been the way to secure anything more than that.

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    • Posted 5th Feb 2012 at 01:44
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    squishyrob

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    Post #10
    dans right, id just had a load of work done on my 2nd '6 before it was murdered, renewal of parts etc. and they didnt take this into account. when valueing a car based on condition they tend to do a forecourt valuation, bodywork, interior, mileage and give you market value. they also, depending on severity of damage, may offer to sell you the car back at sometimes under scrap value as insurance companies often still have to pay to get rid of the car.
    Posted 5th Feb 2012 at 02:58
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    jcphat

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    Post #11
    Years ago I bought an Alfa 164 for a cheap price-friends company car directors allowed to buy at end of lease price-Paid 5k spent 5k over a year on auto gearbox+ PAS+ full stainless system. Got the Alfa specialist who'd done the work to give me a valuation which was based on condition. Insurance paid me £5600.
    Better than expected. Reflected the better than book condition. The Key was a valuation from an independent.

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    Posted 5th Feb 2012 at 07:56
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    mik

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    Post #12
    arigti6 wrote:
    Get it fixed.. Too many get broken.


    ^^^This.

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    Cherry Rallye SOLD

    Posted 5th Feb 2012 at 19:59
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    judge dead

    Regular

    Location: Scotland

    Registered: 30 Jul 2011

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    Post #13
    similar thing happend to my m8s gf's car it got wrote off and hed had pads discs ect all done spend a good few ££ on it and they said it doesnt matter its classed as wear and tear items and doesnt count Sad
    Posted 5th Feb 2012 at 20:08
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    gnrlee Forum Admin

    Location: Leeds

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    Post #14
    sorry,.. but when it comes to rear quarter damage,.. it's pretty much done for,...
    buy a cheap rallye with a knackered engine do a transplant of your decent parts to it save that,..
    and break yours,..

    that would be my choice,..
    but everyones different or sell as is let somone else save it/break it and start over Sad

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    Posted 5th Feb 2012 at 20:10
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    peetypug

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    Post #15
    +1 ^^^

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    roland rat wrote:
    You sir either live for the 6 or have a mental retardation to still be repairing this!

    The best engine in the world is the vagina, it takes any size piston, its self lubricating, starts with 1 finger, and every 4 weeks does its own oil change. It's just a pity the management system is so fecking temperamental. 
    Posted 5th Feb 2012 at 20:15
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    mik

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    Post #16
    gnrlee wrote:
    sorry,.. but when it comes to rear quarter damage,.. it's pretty much done for,...
    buy a cheap rallye with a knackered engine do a transplant of your decent parts to it save that,..
    and break yours,..

    that would be my choice,..
    but everyones different or sell as is let somone else save it/break it and start over Sad


    Do you mean this car (rear end damage) or did you mean to post this in the other accident damaged Bianca Rallye (right front, rear quarter damage and crease in boot floor)?

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    Cherry Rallye SOLD

    Posted 5th Feb 2012 at 20:19
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    keeno

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    Post #17
    As much as i want to save her, as i have said before i do not have the skills to do a transplant myself.

    I should find out this week, so you never know, but i do not expect it back.

    Seems i have used this Forum for information, to purchase the car and to find a great mechanic, i will probaby buy it back if it is written off and give someone on here a chance to fix her or use the good bits to keep more on the road.

    I have just got a mortgage, so i cannot throw silly money at an old French car anymore!
    Sad

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    Owner of a Bianca Rallye now
    Posted 5th Feb 2012 at 20:36
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    gnrlee Forum Admin

    Location: Leeds

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    Post #18
    LOL yeah tad mixup,... 2 white rallyes down,.. Sad

    but same appies when it comes to parts of the body that can't be just unbolted and swapped over,..
    and your into relms of jigging, weilding, and then on top of that spreying up,.. it's just not financially worth while
    so same advice! even if i was thinking of the other Rallye Razz

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    Posted 5th Feb 2012 at 20:36
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    keeno

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    Post #19
    gnrlee wrote:
    LOL yeah tad mixup,... 2 white rallyes down,.. Sad


    Seeing the pics from the other thread, pls forgive me for this, but the panel between rear bumper and the the boot (i do not know its tech name), is pushed in alot more than the one in the pic.

    Strange though as the damage to the rear bumper seems the same??

    If i can work out how to put a pic up, i will.

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    2 x 205 gti (dead)
    1 x 106 gti (dead)
    Owner of a Bianca Rallye now
    Posted 5th Feb 2012 at 20:48
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    gnrlee Forum Admin

    Location: Leeds

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    Post #20
    the damage to a bumper or that metal trim plate may not reflect the actual damage caused in the colision
    is this what your getting at?
    but once that boot floor crease's,.. then it's again done for,.. Sad

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    Posted 5th Feb 2012 at 21:06
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    keeno

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    Location: London

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    Post #21
    gnrlee wrote:
    but once that boot floor crease's,.. then it's again done for,.. Sad


    This is what has a happened i think. The insurance called today, and said its beyond economical repair, so it will not be getting repaired.

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    2 x 205 gti (dead)
    1 x 106 gti (dead)
    Owner of a Bianca Rallye now
    Posted 6th Feb 2012 at 12:33
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    gnrlee Forum Admin

    Location: Leeds

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    Post #22
    Next step,..


    Find out how they value your car!
    Because they will offer less than its worth for the payout
    Usually the Glassers guide costs about £3.00ish

    Then put all your relavent information in there
    Then you have a good argument for what your car is actually worth,
    And tell them that you want it back!!!
    They take a % of your agreed payout and return your car
    With which will come with a cat C/D
    Upto you weather to fix or break or just sell as is,..

    With you being rear ended it should all be on
    The other drivers policy and not affect yours!

    Good luck mate
    Dave

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    Posted 6th Feb 2012 at 13:26
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    gnrlee Forum Admin

    Location: Leeds

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    Post #23
    gnrlee wrote:
    Next step,..


    Find out how they value your car!
    Because they will offer less than its worth for the payout
    Usually the Glassers guide costs about £3.00ish

    Then put all your relavent information in there
    Then you have a good argument for what your car is actually worth,
    And tell them that you want it back!!!
    They take a % of your agreed payout and return your car
    With which will come with a cat C/D
    Upto you weather to fix or break or just sell as is,..

    With you being rear ended it should all be on
    The other drivers policy and not affect yours!

    Good luck mate
    Dave

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    Posted 6th Feb 2012 at 13:32
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    gnrlee Forum Admin

    Location: Leeds

    Registered: 20 Aug 2005

    Posts: 8,882

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    Post #24
    Next step,..


    Find out how they value your car!
    Because they will offer less than its worth for the payout
    Usually the Glassers guide

    Then put all your relavent information in there
    Then you have a good argument for what your car is actually worth,
    And tell them that you want it back!!!
    They take a % of your agreed payout and return your car
    With which will come with a cat C/D
    Upto you weather to fix or break,..

    With you being rear ended it should all be on
    The other drivers policy and not affect yours!

    Good luck mate
    Dave

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    Posted 6th Feb 2012 at 13:32
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    braymond

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    Location: Brighton

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    Post #25
    If memory serves, the Rallye doesnt feature in the glasses guide. Perhaps you could use this to your advantage. Stress the rarety of the car and they, with some evidence of service history or market trends, re-evaluate the value.

    good luck

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    Rallye-R

    Nurburgring article
    Posted 6th Feb 2012 at 13:42
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