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Jun 11, 2016 11:09:34 GMT
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No it wasn't agreed value, but the do recognise it as a classic car, I assume they go on market value and we all no your not going to get a road worthy mk2 Granada that's never been welded for less then £3000 I bought a mint low miles, one owner, never welded, B reg 2.0 auto LX in blue with full test for £150. Ran it for a year and sold for £50 when starter failed and couldn't be bothered to repair as already had a replacement car. Buyer was going to use it to reshell a 2.8 Ghia.
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Sad day :-( Mercdan68
@forddan68
Club Retro Rides Member 68
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Jun 11, 2016 11:13:36 GMT
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You need to stand your ground on keeping it,,don't let them take it anywhere! If you do you won't see it again,,,be firm with them and you should be ok
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Fraud owners club member 1999 Jaguar s type 1993 ford escort
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bigdaz
Part of things
Posts: 201
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Jun 11, 2016 11:24:19 GMT
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They did offer to store it but I told them it's staying where it is and I'm not going to be tucked up with storage fees, The chap on the phone said they go on condition and market value, so I'm expecting a valuation of at least £2500 you only have to look on eBay and other classic car sites to see how much they sell for and I bet most of them have had some mot welding in the past mines had absolutely none, i will stand my ground on the value I won't have them try and pull my pants down
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Jun 11, 2016 11:29:28 GMT
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so get printing off every ad for a similar car to show them when they value it
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91 golf g60, 89 golf 16v , 88 polo breadvan
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EmDee
Club Retro Rides Member
Committer of Autrocities.
Posts: 5,920
Club RR Member Number: 108
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Sad day :-( EmDee
@emdee
Club Retro Rides Member 108
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Jun 11, 2016 11:54:38 GMT
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*Negative content warning* I can't help but feel you've gone wrong already here. You will lose far more money the way you've gone than you would have if you'd just stumped up for repairs for both cars. Put your reg and mileage into webuyanycar.com and see what the trade value is. I'm guessing it's about £100 - this is why agreed value is the way to go. They will tell you it's worth £sweetFA, try and take it away from you, it will take MONTHS to get anything like what you think it's worth. In the end you'll have paid well over the odds and be left with a poorly repaired Cat D. This is even if you have a half decent insurance company. That being said, you seem pretty confident so good luck and keep this thread updated.
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Geordie
North East
Course I'm out of my mind...........it's dark and scary in there!!
Posts: 2,512
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Jun 11, 2016 12:13:51 GMT
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Sad to see. Still, the most important thing is that you and the driver of the other car are ok.
Hope you get it sorted in your favour.
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CURRENT FLEET '91 Nissan Primera (41k miles, an early one and immaculate) '99 Ford Mondeo Ghia X (60k miles) '01 Mini (#869) '06 Audi A6 (18 year old 'modern' daily)
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Jun 11, 2016 12:20:35 GMT
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No it wasn't agreed value, but the do recognise it as a classic car, I assume they go on market value and we all no your not going to get a road worthy mk2 Granada that's never been welded for less then £3000 I bought a mint low miles, one owner, never welded, B reg 2.0 auto LX in blue with full test for £150. Ran it for a year and sold for £50 when starter failed and couldn't be bothered to repair as already had a replacement car. Buyer was going to use it to reshell a 2.8 Ghia. That wasn't recent though was it? I had an offer of £500 on a solidish rolling shell to race once I had stripped off all the bits I wanted.
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Jun 11, 2016 12:24:43 GMT
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Also be aware it used to be fairly standard tactics for the insurers to say you caused the accident deliberately to get cash/ repaired/ improved. Don't get upset.
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bigdaz
Part of things
Posts: 201
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Jun 11, 2016 12:59:04 GMT
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Would be quite hard to prove tho, they have been lovely so far and very helpful
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tay14
Part of things
Posts: 44
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Jun 11, 2016 13:26:15 GMT
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If you don't have agreed value the insurance company will do anything to give you as little as possable.hope you get it all sorted.
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steveg
Posted a lot
Posts: 1,565
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Jun 11, 2016 13:41:40 GMT
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I haven't tried it but could you tell the insurance company you will fix your car for the cost of the parts you will need ? I'm sure someone will have some very good used parts if it's difficult to get them new. If the shell isn't rusty it ought to be possible to get it pulled straight, can you hire the tools to do it yourself perhaps ? I wonder if the damage looked less, could the front get pulled out before it's inspected it might help things a bit. Hope you get it fixed.
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Sad day :-( Deleted
@Deleted
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Jun 11, 2016 14:08:16 GMT
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when my concerto was written off, they had already looked on ebay for prices, they do know the current values of vehicles whether old or new.
hope things go ok.
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Jun 11, 2016 14:36:11 GMT
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I bought a mint low miles, one owner, never welded, B reg 2.0 auto LX in blue with full test for £150. Ran it for a year and sold for £50 when starter failed and couldn't be bothered to repair as already had a replacement car. Buyer was going to use it to reshell a 2.8 Ghia. That wasn't recent though was it? I had an offer of £500 on a solidish rolling shell to race once I had stripped off all the bits I wanted. It was probably 5-6 years ago. The owner had terminal cancer and didn't want it going to banger racers even though they had been offering quite substantial amounts. In the end he sold it to me for what the fuel in the tank cost and scrap yard would give him rather than it being raced. I wasn't actually looking for a car and just enquired when I saw the for sale notice in the window.
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Jun 11, 2016 14:52:36 GMT
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You will lose far more money the way you've gone than you would have if you'd just stumped up for repairs for both cars. i might be wrong but it doesn't sound like the op has the money to hand in order to do that
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Jun 11, 2016 14:52:53 GMT
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when my concerto was written off, they had already looked on ebay for prices, they do know the current values of vehicles whether old or new. hope things go ok. still worth matey printing off every agreeable ad he can find , the insurance wont have been searching too hard to find the higher prices also make sure theres no mods or alterations you forget to mention fitted when the assesor looks at it (not suggesting there is of coarse)
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91 golf g60, 89 golf 16v , 88 polo breadvan
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Jun 11, 2016 15:02:36 GMT
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I would steer clear of the insurance & just get it repaired yourself this! or if its an issue of money, and you are fully comp, don't let them write it off, secure second hand good panels, get quotes from body shops, negotiate a fixed settlement
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Last Edit: Jun 11, 2016 15:04:48 GMT by darrenh
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bigdaz
Part of things
Posts: 201
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Jun 11, 2016 15:11:21 GMT
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As there approved body shops won't tuch it they said I can either find my own body shop which I already explained to them I've found extremely hard, or I can fix my self,
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Jun 11, 2016 15:40:12 GMT
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yeah so say you will diy for some £££££ then worry about it later
once youve got the used panels its not a massive job, even if you run it around without paint etc , sort of job you want a forum member to help with rather than a regular bodyshop
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91 golf g60, 89 golf 16v , 88 polo breadvan
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Jun 11, 2016 17:13:31 GMT
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it looks worse than it is, drop the bumper off, headlight out and outer wing off, see what the Actual damage is like to the X member, front valance (these fold very easy) the front outer wing is normally pretty hard where the indicator sits and where it bolts to the inner wing from what i can see from your post on the mk2 site the inner wing around the headlight bowl has popped inwards and has a small crease but should pull out with the right amount of pressure. I'm sure on the club page if you ask around you could prob get that front corner off another car and there are plenty of people on there with the knowledge of how to straighten them back out after an impact. the only difficulties could lie in finding a good replacement front wing although someone might do an exchange with you for one in the same colour. if you can take some more pictures of the damaged area with the bonnet up (1) from the inside of the (passenger side) front wheel arch (ideally remove the wheel to get some light in there) and (2) looking across and down into the damaged corner from a bit more distance (will be able to see damage more clearly to the inner wing and front slam panel) This was after Killing a Ford Ka (i an hear you all cheering) This was all superficial and apart from the wing and bumper was straightend with just a block of wood and a small jack This However was completly Fubard (Although it wouldnt of took more than two days at most to of sorted out the front end) she is repairable and it's not a major undertaking just find the right people and don't let the insurance company get there way.
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EmDee
Club Retro Rides Member
Committer of Autrocities.
Posts: 5,920
Club RR Member Number: 108
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Sad day :-( EmDee
@emdee
Club Retro Rides Member 108
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Jun 11, 2016 23:54:36 GMT
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You will lose far more money the way you've gone than you would have if you'd just stumped up for repairs for both cars. i might be wrong but it doesn't sound like the op has the money to hand in order to do that My point was that this way will probably cost more in the long run, so even getting a loan and paying for it might be better. I don't think it looks that expensive. It will likely be cheaper than the excess combined with the money lost on your poorly repaired cat D/derisory amount offered to you to "replace" it, the time spent swearing at them and then the resulting hike in your premium. Obviously if you're poor (like me) then it's even more important to try and save on these costs. Just my 2¢.
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