Insurance On Grand Voyager

[tomada3]

hi have 53 reg v6 grand voyager ltd with 90000 miles 

my car was hit in rear bumper been declared drivable write off

the damage is little hole in bumper and paint peeled off and some paint cracking

been offered figure for car 

my question is if i keep car do i have to repair it with the money or can i leave it as is

the damage will not affect it passing mot 

but my insurance company want me to re mot it 

thats not a problem as know it will pass

will be class as cat d

my current insurance company will renew my insurance in march just need to re mot car to satisfy them car roadworthy

not sure if got to buy back or settle up then tell me to keep car

my work mate had same happen to him he got paid out and was told to keep car and didnt cost him anything to buy back

any advise much appreciated

[bignev]

We used to have a Subaru Impreza, similar incident but front end dsamage too.

It's a few years ago (2007) so things change, but we were paid out, with a deduction for the value of our car.

I repaired it at my leisure, took it for an MOT, and becauswe it was CAT D had to have a VIC - Vehicle Identy Check.

Then got on with driving it again.

 

Hope this helps, but someone with more recent experience would be better.

Will the insurers tell you what they would want to happen - or are they not being very helpful, as usual!

 

And if you don't keep it what condition of car could you buy?! - if yours is good I'd say better the devil you know.

Edited December 27, 2015 by bignev

[tomada3]

contacting insurers tuesday

been offered 1380

for car 

will find out tomorrow all details but if i cant keep car still have 500 pound left on finance so theres no way gonna get same car for money

spent 2000 pound this year on maintaining car im kind person keeps recipt for everything including bulbs

its had complete front suspension radiater lamda sensers 2 of them new exhaust brakes and brake pipes replaced new fluid

so they dont take that into consideration

hoping they let me keep car as chips away can fix car for 300 pound

as car maintained regardless of cost

will keep you updated on situation 

[bignev]

Yes I'd def want to keep it too.

And if it's on your drive (like ours was) you are in a bit of a better position.

Our insurers wanted to move it to "Safe Storage".

Having had a motorcycle damaged a lot further by their so call safe storage people we said sod off.

So when they asked for all the documents - including service receipts! - to scrap it - it was a good position to be in to tell them to get lost.

Hope it works out for you, keep us posted!

Cheers

Nev

[tomada3]

got my car back thursday

been told can keep car 

so gonna get bumper done cos rest bodywork in good condition

might even fit tow bar so if someone hits me again they will do more damage to there car(lol)

found company on ebay that can supply new bumper and painted in my colour blue

for £370

might even do that 

[tomada3]

hi update just put car through mot passed

[bignev]

Cracking that well pleased for you!

[tomada3]

yes pleased now got chase insurance so can get bumper done 

gonna try and get them to reinburse me for mot cos it wasnt due till march

will keep u updated