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What is going on with Car insurance?

Community Veteran
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Registered: 16-02-2009

What is going on with Car insurance?

Just had my '02 Mondeo Estate TDCI SCRAPPED by my insurance company over a SMALL dent
See the pic.
Totally GUTTED, had it for 10 years now, and this was only a small bump. Why are they writing off usable cars over such small details? Or are the repair companies just greedy?Huh
15 REPLIES
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Re: What is going on with Car insurance?

Is there a third party involved?
Could you go to them for a cash settlement?
Or buy it back from the insurance company after they've written it off?

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Re: What is going on with Car insurance?

Unfortunately it was my fault  Embarrassed I hit a parked car reversing out of a space where the driver on the other side was over the line, so I couldn't get in.
Currently waiting on details on what they will offer me, the repair company wanted their car back, but I refused till I get my car returned to me (they are 150miles away!) Insurance company has agreed to return it, but has offered no more details.
Debating about a buy back, what happens when I go for insurance again since it has been written off (type b or why, repairable)
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Re: What is going on with Car insurance?

Years ago I used to believe a write-off was just that and couldn't be used again.
That was until a French lorry drive wrote off my Bluebird. It was in a terrible state with one side ripped off as if by a can opener.
Insurance wrote it off and they sent a scrap dealer to collect.
Sent off the relevant paper work to DVLA but a few months later kept getting letters from a council from the other side of the Thames regarding unpaid parking tickets accrued at least two months after it was 'scrapped'.
At least I kept copies of all paper-work and it soon got resolved.

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Re: What is going on with Car insurance?

I bought my car from a scrapyard a couple of years ago as a CAT D insurance writeoff.
Apart from a scrape in the rear bumper I couldn't spot any obvious damage. I managed to get hold of the previous owner who told me it had had a bump from the rear at a set of lights.
I took the bumper off expecting a mess behind it but it had cracked a small piece of plastic and the rest was immaculate.
That was a £600 car with history, current MOT and 60K genuine miles .....
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Re: What is going on with Car insurance?

Quote from: Hairy
Why are they writing off usable cars over such small details?

Probably because, if you read your policy, it is insured for damage claims to the vehicle itself up to its current market value.
That won't be much on a >10yo car and a job like that, done "properly" (to insurers standards) is very likely to cost more than that.
Cheaper from their perspective to buy another.
You can insist that they don't scrap it, assuming it's not so badly damaged that repair wouldn't be allowed, but they won't pay you more than the market value towards repairs.
I had similar damage not too many years back (from a dumb cyclist riding into my parked car!) and it was "touch and go" if they would repair it. Only because I wasn't at fault and there was potentially someone to claim from did they do it. I was sitting in the car at the time so got an ID from the cyclist, though as it was a school sixth-former (6'4" and 18st too but only 17!) cycling on the pavement they never pursued him and I lost my excess.  Cry
If you have a "classic" or rare or specialist vehicle you can have "agreed value" insurance which can assist with such situations.
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Re: What is going on with Car insurance?

Latest:
this morning the repairers returned to COLLECT their car, no sign of mine. I refused to release their car until mine was returned, I was informed that it had already been removed by a salvage company.
They are now threatening me with the police saying the car is stolen, if any car has been stolen it is MINE!
Any idea what I should do now?
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Re: What is going on with Car insurance?

I'd be straight on to the insurance company asking what their intentions are.
As far as I'm aware, the car is still yours until you accept their offer of either a repair or payout.
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Re: What is going on with Car insurance?

And if the repairers have disposed of it without your permission, make sure you get the full market value of the car (plus whatever fuel and personal belongings etc were in it) from your insurers - you don't have to accept their first offer if you don't think it's what the car was worth.
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Re: What is going on with Car insurance?

After some heavy calls, they have agreed to get the car returned to me, but I had to release the hire car.  Angry Angry Angry
I threatened them with THEFT of my car, as I did NOT agree to let them scrap it.
They have returned some bags of my personal belongings - not checked yet, but there are other things like reversing sensor/new battery etc that I will remove if it is being scrapped.
So don't deal with Hastings Direct - bunch of looser's !
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Re: What is going on with Car insurance?

UPDATE:
FINALLY got the car back from the "salvage agent".
BUT it how has a smashed OSF Headlight, bashed/cracked bumper and some damage to the fairing underneath at the front. Looks like they drove it into a ditch, there is soil in the headlamp!
This is in addition to the reason it went away a SMALL bump on the NSF wing.
The agent says this is how he got it, my paperwork shows the ONLY damage as the dent on the wing. So who do I shout at first the IC or the repair company Nationwide?
I believe I have a claim now against both of them to repair it, and forget my £95 excess?Huh
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Re: What is going on with Car insurance?

Sounds almost like someone is using "write off" to cover their own back / mistakes.
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Re: What is going on with Car insurance?

If it was me I would be shouting "fraud" very loudly at my insurer.  Crazy
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Re: What is going on with Car insurance?

Problem is you need proof of the condition of the car when you last saw it and also be able to prove they got it in that state, a virtually impossible and legally expensive thing to do.
It goes very much against the grain for me to say this but I would either write it off or work out the total cost to get the car back into it's original state and decide if you think it's worth it/ afford it.
Clearly the people who took it are miffed that they have had to return it so it's probably a loss of money to them in terms of time and this is the only way they can get back at you but as I say impossible to prove. Even in a Private Car park where to pay to park there are notices all over the place stating they accept no responsibility for damage to your car.
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Re: What is going on with Car insurance?

I'd go back to your insurance company, speak loudly, let them know it wasn't in this condition when you had it collected and further damage has been caused and you expect them to get it sorted for you or you'll be making an official complaint.
Itemise the extra damage done, possibly have your neighbours as witnesses that the car was in good condition etc before the accident. Also check carefully under the car as the salvage yards tend to stack the cars using a forklift or similar and this damages engine mountings, underseal, exhausts etc. I found this out after I purchased a CAT D writeoff to get back on the road.
Don't start screaming at your insurance company just yet but make it very very clear that you're not going to roll over and it would be in their best interests to get this sorted asap.