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Discussion Starter · #1 ·
As mentioned elsewhere a silly pizza delivery driver slammed into my parked car last week doing the following damage.

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They admitted full fault and I debated whether to take it up with my insurance or not. The other side were desperate to let me fix it.

The engineer's report of the car came back as the following:

REPAIR SCHEDULE
New parts required:-Rear Bumper Lining, Rear Bumper, Lower Rear Bumper Side, Rear Bumper Side Bracket (L),
Rear Bumper Side Bracket (R), Side Panel W/arch Protective Moulding (R)
Repairable parts:-Rear Side Panel (R) Side Panel W/arch
Repaint only parts:-Rear Door, Complete K (R), Rear Side Panel, Complete K (R), Side Panel Wheelarch Extension
(R), Rear Skirt e, Rear Bumper a-d, Prep. metal (on vehicle without pre-, Prep. synthetics (combined-operation, Colour
mixing (1), Sample colour creation (1)
Specialist/Sundry charges:-Car Care Kit, EPA Charge Final Inspection & Road, Final Inspection & Road Test,
Repair Method Research Allowance, System Diagnostic Check (Post Repair), System Diagnostic Check (Pre Repair),
Wash/Clean
Remove And Refit parts:-Rear Door Strip & Set-Up for Painting (R), Rear Side Panel Strip & Set-Up for Paint (R)
COST OF REPAIRS
No estimate has been obtained for repairing the vehicle but, subject to further damage found during dismantling,
we have calculated the time involved in such a repair using Glass's Repair Estimate and we consider that a
reasonable labour charge would be £640.00. The cost of the paint and materials would be £595.75, The cost of the
replacement parts would be approximately £688.54, The specialist/sundry charges would be £62.00, and the VAT
liability on the total would amount to some £397.26 giving a total repair cost of £2,383.55 including VAT subject to
undisclosed damage. The labour charge is based on 12.8 hours at a rate of £50.00 per hour.


In short they've written it off as a Cat N and have offered me either £2k or minus about £160 to keep the vehicle and do what I want with it. Not a bad settlement.

Half tempted to let them take it and buy something else however I'd only replace it with something costing around the same. Only real candidates are a mk5 VW Golf, Toyota Auris, Hyundai i30 or it's Kia counterpart the Ceed. All in 1.6 petrol form. Nothing else around that price range hits what I need. e.g 5 door, practical, cheap to run, needs ISOFIX tethers.

I've only had the car since last August. It's about to hit 115k, I've done loads to it, full service including two oil changes, gearbox oil change, clutch bleed, new Goodyear tyres, full leather interior, rear shocks, in fact the only things left doing are a coolant change, fuel filter change and maybe new brakes in the next year or so. As much as I say I dislike the car it does it's intended job which is to get to work, cart the child around and do the shopping whilst saving the miles on my other car which gets all the money and attention...

More likely going to keep and repair it. Next MoT is up in a month so might hold onto it then and see how it fares.

The damage is literally a £150 repair job, a bumper in that colour and maybe a bumper bar behind it if it's bent. Rear quarter looks "ok".

What does everyone else think?
 

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Winner winner chicken dinner my friend, get paid out, buy it back, do repairs, £1690 in your pocket, what’s to think about.👍no brainer from where I’m standing, car wants for nothing.
Dam, I dare say you could resell it and make a few more quid after repairs😆, I would keep it though.
 

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Same thing happened to my wife's Micra about 3 years ago , it was written off due to bent front wing , front bumper.
Insurance offered about £1600 which was a good price. She bought it off them for £400, it came home, I pulled the wing out a bit and tidied up ,had to have it MOT'd to ensure it was safe, and 3 years later she's still driving round in it with £1200 in the bank towards her next car.
So keep it, tidy it up, and you have money towards your next project !
 

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i-Vtec
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Take the money and buy it back. Why would you not? Even as a cat N its probably got a value of a grand. So there you go £3k. BTW Never go through your insurance if the other party is admitting liability. Its utter bull that you need to inform your insurance. The other insurance don't want you to go through your insurance because it costs them more money, and your insurance will class you as a bigger liability and as you now have a non fault claim will still raise your insurance next year.
 

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I had someone reverse into my old Mazda3 1.6, they admitted fault and it went through their insurance but I got a phonecall off my insurance asking about the accident, I asked how did they know and apparently the other partys insurance told them, i dont know if its a legal requirement or not tbh. The car needed repair to a door and front wing, by the looks of it had a new door and work to the wing done and the car was worth buttons but it never got categorised. I eventually sold the car and ended up with the Civic, insurance ended up being cheaper with a different insurer. Also, you dont have to accept their repair quote either and choose where you want to get it done, so may work out cheaper to repair and not get categorised. But if your not bothered about the car, id take the money and keep the car till you see something else. Sorry for long reply 😁
 

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Buy it back off insurance and get the repairs done. It won't be worth much in a couple of years and re-sale might be difficult as insurance can be an issue with cat cars so bank the money now. I'm not sure if cat cars can be traded in when the scrappage schemes run but if another scrappage scheme does come around it could work out nicely for you.
 

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i-Vtec
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I'm not sure if cat cars can be traded in when the scrappage schemes run but if another scrappage scheme does come around it could work out nicely for you.
When we traded the wife's Corsa in the Scrappage scheme 3 years ago we had to sign a disclaimer, included in that was that it was not a category car, which considering the cars in the scrappage scheme are sent for Scrap didnt really make sense to me.
 

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Discussion Starter · #9 ·
Take the money and buy it back. Why would you not? Even as a cat N its probably got a value of a grand. So there you go £3k. BTW Never go through your insurance if the other party is admitting liability. Its utter bull that you need to inform your insurance. The other insurance don't want you to go through your insurance because it costs them more money, and your insurance will class you as a bigger liability and as you now have a non fault claim will still raise your insurance next year.
I pondered this long and hard, as the other side were more than willing to make the repairs for me without me making a claim but I just didn't trust them for some reason as it felt too convenient. Even if my premiums are more renewal time (August or so) it shouldn't be huge amounts.

That's the second car I've had that's been hit in that position in 7 years as I'm the outer house on a small cluster/cul de sac type set of addresses. Simpletons/morons appear not to be able to reverse or drive out the entrance without hitting something.

I'll keep the car, an eBay bumper isn't much and I'll probably do it next week sometime when the claim has gone through. If it survives the MoT next month I'll keep it until its uneconomical, I don't plan on chopping it in via a scrappage scheme.
 

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i-Vtec
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I had 2 cars hit a total of 3 times, all while parked. Every time I never informed my insurance and just went through the other parties insurance, once it was a write off. TBH I wish someone would hit my civic, the insurance valuation is £3k which is more than I paid for it 3 years ago lol.
You considered installing bollards around your car, lol.
 

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Discussion Starter · #11 ·
You considered installing bollards around your car, lol.
Can't! It isn't that big a road although still large enough for bin lorries to reverse up it no problem...

They valued my car at £2k and said it was in a "satisfactory" condition, totally standard.


PRE-INCIDENT VALUE
According to the information available to us the vehicle was first registered in May 2007. The corresponding Glass's
Guide (model code: 4QP3) adjusted retail value for vehicles of this type and age in the June 2021 guide is £2,050.00
at 110000 Miles, trade value is £940.00 and mid value is £1,495.00. We place the pre-accident value of this particular
vehicle at £2,050.00 bearing in mind the condition described herein.


I suppose that's a pat on the back for how well I've looked after it in the 9 months or so of ownership :LOL:

What blows my mind is the amount of insurance money I've paid out over the last 20 years and never claimed once. Probably given various firms upwards of £15,000 total...
 

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And folk wonder why insurance premiums are so high these days, that is a ridiculous list of repairs and prices for such minor damage

And the bigest problem now for the OP is that he will have to delare that claim for the next 5 years, putting his own premium up in the process
 

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Discussion Starter · #13 ·
I'd have happily accepted a small offering if the driver stopped and it would likely be repaired already. Went insurance out of principle.

It's just generated so much work for what's a simple issue.

Meh it's done now anyway...
 

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My car was written off as a Cat N 2 years back. The other driver came straight into my lane at speed. She kept saying I changed lanes. The damage would’ve probably been less than £500 worth if repaired privately. I just installed a dashcam a couple of months before that. I didn’t mention the dashcam at this point. She said she’ll call me the next day and I thought she would admit fault and we’ll sort this between us and I would tell her about the dashcam at the same time.

The next day I received a voicemail from her insurance asking about the accident and than she sent me a text saying that she’s informed her insurance company.

At this point I had no choice but to go through insurance. I decided to go through Honda accident care as this would be a no fault claim. I sent them the footage and straight away they accepted to take my claim on.

They told me to take it to Honda to get a quote. Drove it down, picked up a courtesy car as they said they will repair it. A couple of days later received a call from the insurance engineer saying it’s uneconomical to repair and we agreed the figure.

A couple of hours later Honda phones me saying it’s not a write off and they will repair the car. When I called the legal people they said it’s written off and have no idea what the garage is talking about. Called back the Honda garage and he’s trying to get me to say that I want it repaired and not written off. When I told him that it’s been written off and I’ve accepted the offer, he came out with “we’ve already started the repair” I basically told him that’s his problem as nobody authorised it.

I agreed to buy the car back so I informed the honda garage that I’m coming to pick the car up. When I got there the car was repaired and nice and clean. I called my insurance to find out what’s happening, they basically told me that I’m free to take the car as salvage.

So after all that, I got paid out and the car was fixed for free. I think I bought the car back for around £250. The Honda garage were probably so confident about it that they actually repaired the car before they got authorisation.

Like I said I would’ve just been happy if the other driver repaired my car without going through insurance. Without a dashcam I wouldn’t have any proof. Sorry about the long story everyone


Sent from my iPhone using Tapatalk
 

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Insurers seem to want to replace even the most lightly damaged parts with brand new replacements when a bit of a clean and polish up would take it back to pre-accident condition. It's no wonder they end up writing off so many vehicles with seemingly minimal damage. On a brand new or nearly new car I could understand that but on something 10 or more years old it's crazy in my opinion.
 

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Discussion Starter · #16 ·
Maybe I should get a dash cam... I'm just glad the stupid delivery driver did and their boss snatched it off them before they could make up a story. Then again my car was parked up and reversed into so maybe some sort of recording door bell too :cautious:

It's silly to write off slightly older cars but that's the insurance business model, despite it being pretty wasteful for money and resources. The mk8 seems to have reached the bottom of it's depreciation but are still plentiful with breakers parts costing chips. A rear bumper is under £100 and a bumper bar is £20+, might need the latter as it seems to be the thing that sits behind the shell and offer the actual support.
 

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i-Vtec
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My cars a Cat D and as above the damage is so minimal its ridiculous it was written off. 2 Dents in the rear panel that you cant even see from inside the boot, only when you remove the rear bumper. The insurance industry is joke imo, but then again most likely body shops over estimate most job. If they get the job they win, if they dont they win.
 

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Usually when you go to a Bodyshop to get some work done, they ask you private or insurance as they have two prices. Insurance quote will say requires new bumper when it just needs a spray job. Even then, they’ll probably just spray it and say new bumper fitted. More money in their pocket.


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Discussion Starter · #20 ·
Bodyshops are a bit of a closed world, whereas most mechanical things can be managed by anyone with the right tools and enough determination. Things like welding, panel beating, respraying all need a little bit more skill/experience/equipment. There's a place I know where I took my Alfa Romeo, hideously expensive but they do proper jobs usually on high end stuff. As in my other car needed welding and they cut out then refabricated the bits with minimal filler.

On the backdrop of this I do hate insurance, they're a legal protection racket and only really serve themselves. I'm waiting to get stung on my renewal so I'll be saving at least a portion of the pay out unless the MoT suddenly shows it as unroadworthy!
 
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