JPC500

Has anyone ever had there Subaru written off ? Did they take into consideration your modifications when valuing your car and did you take a loss ?
It looks like mine is to be written off due to serious engine damage caused by accidentally going through a big puddle and my induction kit sucked up water and flooded my engine .
I have an immaculate 2001 rally replica bug bug wrx with ppp ,90000 miles and a long list of mods which are all declared on my insurance .

adamb87

would say it depends on your insurance. some will pay out the value of the car and not pay out for mods. does it not say anything on your documents?

mark1esc

they will only give you money for what the cars worth not your mods.dont accept first quote ,also you can buy it back off them

stevie1982

iTrader: (16)

Would suggest buying it back and popping in a reliable sourced used engine or if funds allow forge it at the second time.

cuprajake

iTrader: (11)

Most pay out based of cap and glass guide.

Also it's written in most policies tgat the ins company keep salvage rights ie you cannot buy it back.

I'd take any bits off it you can replacing it back to standard ASAP.

Moley

iTrader: (9)

As i said the other day, all mods are taken into account when the payout price is worked out.

Woody69

iTrader: (6)

Sorry to hear bout that Jase....On the plus side it gives you an excuse to build a bigger better more powerful engine though

JPC500

I know mate, but I was just getting some feedback on others experiences, n
I've not been in a write off situation before

Moley

iTrader: (9)

All companies work in different ways, many people are happy to save £50 on their price and go with a company who pay book price, or don't consider the mods.

Fortunately you payed for a very good policy, so don't have to worry about that.

However, enless someone has had a claim with the same company as you (and most haven't, as our claims ratios are very low) it'll be very hard for them to comment.

Many people think all insurance is the same, but it isn't at all.

JPC500

Cheers for info mate, highways received the repair quote on Friday so I've just got to wait for engineer to call to arrange visit .

AWG

iTrader: (6)

Oh no! Sorry to see this dude, you going to re build or break?

ad uk

iTrader: (6)

I would say its worth bewt 1750 m8

tubbytommy

iTrader: (20)

will the insurance cover an engine failure??
have they said they will pay out for it??

The Pink Ninja

iTrader: (23)

Yes Tubbs they will, My mrs has just gone through something simaler, Daft git drove through a 2ft!!!!!!!!! Puddle??

tubbytommy

iTrader: (20)

well you learn something new everyday, if i did that i would never of thought of going through the insurance.

emmarioids car was written off a while ago and she bought it back and repaired it,then crashed again on the way to prodrive and repaired it again

it was a cat d so didnt need a test or anything to go back on the road, moley may know more but im pretty sure there is some clause in the new policy now as its a cat d repaired regarding its value.

Moley

iTrader: (9)

If the car is a Cat D you'll only get 50-60% of what a non-Cat D car would be.

Some companies do pay out if you drive through a puddle/flood, some don't, it often depends on the circumstances.

MattyB1983

iTrader: (51)

If insurance companies are writing a wrx off because its engine is dead what do they value the car at....
Lets be honest, its hardly going to cost the earth to put a new engine in.

tubbytommy

iTrader: (20)

id imagine the labour costs are what does it.

Moley

iTrader: (9)

Enless the person making the claim asks otherwise, all parts would have to be brand new.

So a brand new engine supplied and fitted is going to cost a fair few £££

There was a thread on here the other day when a guy was quoted £9000 from Subaru to supply and fit a replacement 2.0 diesel engine