ITs gone. Scoob has been written off, where to go from here
17 September 2010, 07:10 PM
#1
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ITs gone. Scoob has been written off, where to go from here
As the title says, the car has be evaluated and it is 'uneconmical to repair'. Hit a mix of oil and diesel on wet road (the A1 at Stirling corner roundabout where the Barnet bipass A411 and the A1 meet - roundabout before M25 junction) and then after much drifting and fish tailing down the A1 caught the rear right wheel on the central reservation kerbing, which then swung the front of the car in the central reservation saftey barier. This happened a couple of times, then I re-gained control and pulled over on the verge.
Turned the car off (hadnt stalled it) and later tried to restart -to no avail. Cambelt jammed with plastic casing, although could of been bent valves and fried pistons (so i was told).
Advice needed / wanted on what to say to insurance comapany in the fight for a descent settlement. I valued the car at about £3000 - £3500.
Car details:
1999 Turbo 2000 with AC and prodrive rear wing.
Miles: 75,000
Mods - Cat back exhaust (afterburner centre and ninja II box)
Car also had 2 new Toyos on the front and new rear pads
Body work was in great condition, few small pin head dents that was it - no rust.
Inside - seats and cloth in great condition, plastics minor w/t.
Looked at similar cars on auto trader and ebay. They seem to be up for £3700 - £4000.
I have £350 total excess. Wanting to take at least £2650 home - is that realistic?
Thanks for all your help.
Turned the car off (hadnt stalled it) and later tried to restart -to no avail. Cambelt jammed with plastic casing, although could of been bent valves and fried pistons (so i was told).
Advice needed / wanted on what to say to insurance comapany in the fight for a descent settlement. I valued the car at about £3000 - £3500.
Car details:
1999 Turbo 2000 with AC and prodrive rear wing.
Miles: 75,000
Mods - Cat back exhaust (afterburner centre and ninja II box)
Car also had 2 new Toyos on the front and new rear pads
Body work was in great condition, few small pin head dents that was it - no rust.
Inside - seats and cloth in great condition, plastics minor w/t.
Looked at similar cars on auto trader and ebay. They seem to be up for £3700 - £4000.
I have £350 total excess. Wanting to take at least £2650 home - is that realistic?
Thanks for all your help.
18 September 2010, 07:32 AM
#8
Advice needed / wanted on what to say to insurance comapany in the fight for a descent settlement. I valued the car at about £3000 - £3500.
Car details:
1999 Turbo 2000 with AC and prodrive rear wing.
Miles: 75,000
Mods - Cat back exhaust (afterburner centre and ninja II box)
Car also had 2 new Toyos on the front and new rear pads
Body work was in great condition, few small pin head dents that was it - no rust.
Inside - seats and cloth in great condition, plastics minor w/t.
Looked at similar cars on auto trader and ebay. They seem to be up for £3700 - £4000.
I have £350 total excess. Wanting to take at least £2650 home - is that realistic?
Thanks for all your help.
Car details:
1999 Turbo 2000 with AC and prodrive rear wing.
Miles: 75,000
Mods - Cat back exhaust (afterburner centre and ninja II box)
Car also had 2 new Toyos on the front and new rear pads
Body work was in great condition, few small pin head dents that was it - no rust.
Inside - seats and cloth in great condition, plastics minor w/t.
Looked at similar cars on auto trader and ebay. They seem to be up for £3700 - £4000.
I have £350 total excess. Wanting to take at least £2650 home - is that realistic?
Thanks for all your help.
Just hope they dont use autotrader
- which most insurance accessors do
http://www.autotrader.co.uk/classifi...ge/1?logcode=p
Last edited by midnight; 18 September 2010 at 07:35 AM.
18 September 2010, 09:33 AM
#9
You may get that ,but there is no way they will offer you over 3k imho. The tyres ,exhaust are secondary items and wont be judged when a final settlement figure is reached. They will look at what would it cost to buy a similar car with similar mileage in similar condition and wont use an auction site as a basis on to reach a final figure.
Just hope they dont use autotrader - which most insurance accessors do
http://www.autotrader.co.uk/classifi...ge/1?logcode=p
Just hope they dont use autotrader
- which most insurance accessors do http://www.autotrader.co.uk/classifi...ge/1?logcode=p
.I just got 4k for my Turbo 2000 with 78k on the clock .. and all it took was a bit of a chat with them about how I looked after it ..
They asked if I have receipts and service history which I did and then they paid out .. no hassle no problems ..
Other than losing my car of course ..
18 September 2010, 10:00 AM
#10
i just been offerd £2100 for my 1997 ver 3 sti v limited (this is a trade claim though so obviously lower but will get more than this im sure. they already said send some similar cars in and they will look at a better offer just keep on there back mate
, it can happen to anyone at any time unfortunately. hope you get what you want for the headache bud
18 September 2010, 07:34 PM
#14
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I not long ago had a claim on a car for a total loss. The insurers said I had to produce 10 adverts (proof of) as similar a vehicle possible to mine for sale and they would work off those if i disagreed with what they offered. So, start looking for as close a match as possible then if they do offer a price you dont agree on you have some valuations ready to fight with.
That was with Equity Red Star through Adrian Flux btw.
Lou
Sorry to hear about your car as well, I know that area well too.
That was with Equity Red Star through Adrian Flux btw.
Lou
Sorry to hear about your car as well, I know that area well too.
18 September 2010, 07:50 PM
#16
Scooby Regular
Thread Starter
Thanks for all the replies guys
I had new Avons on the back which were in very good condition. I doubt tyre brand made the difference, as the front of the car was also drifty as well. The fact that somone else did exactly the same as me, on the same stretch of road a couple of minutes after me, confirms that it was the unexpected road conditions which caused the write off, not my driving!
I've managed to drive the car through last years winter -snow, ice and black ice without trouble (1st day i drove the it was through snow and locally icey roads - adrenalin was pumping!).
As for getting examples for how much the car is worth - im already on it, got about four or five at the moment. The insurance should take into account this isnt just an ordinary sallon - its a sought after perfomance car which holds its value (good examples do). I'm also hoping the 14 service stamps, 13 of which were done a subaru dealership will count in my favour.
I've the glasses guide, and parkers (parkers horrifically undervalued the car) so I know what ball park figure they may go for. Just hoping they dont try and fob me off with a trade price.
I had new Avons on the back which were in very good condition. I doubt tyre brand made the difference, as the front of the car was also drifty as well. The fact that somone else did exactly the same as me, on the same stretch of road a couple of minutes after me, confirms that it was the unexpected road conditions which caused the write off, not my driving!
I've managed to drive the car through last years winter -snow, ice and black ice without trouble (1st day i drove the it was through snow and locally icey roads - adrenalin was pumping!).
As for getting examples for how much the car is worth - im already on it, got about four or five at the moment. The insurance should take into account this isnt just an ordinary sallon - its a sought after perfomance car which holds its value (good examples do). I'm also hoping the 14 service stamps, 13 of which were done a subaru dealership will count in my favour.
I've the glasses guide, and parkers (parkers horrifically undervalued the car) so I know what ball park figure they may go for. Just hoping they dont try and fob me off with a trade price.
19 September 2010, 08:42 AM
#18
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A couple of things from my point of view;
- I think you are over valuing your car (we all do it), I would guess you will get a best offer of around £2.5k, before you account for your excess
- I hope you declared the mods
S
- I think you are over valuing your car (we all do it), I would guess you will get a best offer of around £2.5k, before you account for your excess
- I hope you declared the mods
S
19 September 2010, 09:02 AM
#19
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19 September 2010, 09:30 AM
#21
Again not true.. car values change and the insurance companies know this .. if you modify it for example, contrary to popular belief the insurance companies will take this into consideration if you can provide receipts.
Obviously it depends on the company and if you have declared the modifications.
My advice would be get a book prices from somewhere like parkers, get some Auto trader, piston heads and ebay adverts and hold your ground for the amount you think its worth.
19 September 2010, 07:22 PM
#24
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Thread Starter
When I set up the insurance with Admiral, 'the estimated value of the car was £4000'. I know they are not going to offer me that, but i'm not going to be happy if they offer 2.5k minus the excess - they are taking the **** if they do that. 2.5k was not the market value of the car before the accident - they will know this. All you have to do is look at the adverts on autotrader / piston heads / ebay. Glassers guide even say its worth more than that.
I'm holding off on signing over the car to them untill I'm satisfied with the amount I can get. After all they can tell me f-off once they have all the registration documents.
I'm holding off on signing over the car to them untill I'm satisfied with the amount I can get. After all they can tell me f-off once they have all the registration documents.
19 September 2010, 08:23 PM
#26
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Do not accept the first offer and hold out find some examples of similar cars going for that sort of money on a few sites like PH and the scooby forums etc.
20 September 2010, 04:47 PM
#27
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Thread Starter
Thought I should update seen as though everyone has been nice and helpfull.
Initial offer from Admiral was £2400 minus the excess = £2050
Offer after some explanation by me as to why the car was worth more than that = £2800 minus excess = £2450.
Still not settled on that claim - hoping to bump it up by £200 and get what the cars worth. Will be emailing all the examples I have of cars at a similar value.
QUICK QUESTION: I bought the car from a dealership, and they are using this against me, saying that the advertised prices on autotrader are not the real prices, as they would expect to be knocked down. Is this a valid arguement on their behalf? Surely market value is market value?
Thanks everyone
Initial offer from Admiral was £2400 minus the excess = £2050
Offer after some explanation by me as to why the car was worth more than that = £2800 minus excess = £2450.
Still not settled on that claim - hoping to bump it up by £200 and get what the cars worth. Will be emailing all the examples I have of cars at a similar value.
QUICK QUESTION: I bought the car from a dealership, and they are using this against me, saying that the advertised prices on autotrader are not the real prices, as they would expect to be knocked down. Is this a valid arguement on their behalf? Surely market value is market value?
Thanks everyone
20 September 2010, 06:44 PM
#28
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Market value? Impossible to tell what the cars actually go for, so I would agree that the sticker price is the indicator. Not like you have motor for a part-ex deal?
Sorry to hear about your smash. I tried the same thing last year, only I was only doing 25mph into the roundabout, so it was controllable....just! Diesel is filthy stuff!!
Sorry to hear about your smash. I tried the same thing last year, only I was only doing 25mph into the roundabout, so it was controllable....just! Diesel is filthy stuff!!
20 September 2010, 11:32 PM
#30
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Thanks, I've just sent them an email and word document, highlighting the fact that there are examples of cars very similar to my own, advertised at a much higher price than they are offering.
Even with dealer prices taken into account (reduce figure by 10%) and excess taken into account - vehicle comes out at above £3000.
I was thinking that it didnt matter what dealer prices were, its down to market value.
Even with dealer prices taken into account (reduce figure by 10%) and excess taken into account - vehicle comes out at above £3000.
I was thinking that it didnt matter what dealer prices were, its down to market value.