wheeliebin
Über Member
- Location
- The rolling hills of Hertfordshire
Mrs W's car was reversed into when parked in a car park, so 100% the other driver's fault. They exchanged details and we passed everything on to our insurers. The damage is a small hole and cracks in the front bumper, however as the car is only worth about £700 pre-bump I suspect the insurance will want to write it off. (Sounds a bit crazy having fully comp on a cheap car but it was worth more when I took out the policy and I never bothered to change it because it didn't save much going tpft).
The excess on the policy is about £400 because the kids are named drivers. If they offer me, say, £700, that means they will actually give me £300, no car, and I will have to try and reclaim the excess from the other party. I'd really like to keep the car, I understand I may be able to buy it back as write off but will still lose the excess.
Would I be better off just withdrawing the claim and keeping the car? If the insurers want to write it off, at what point does this happen? It's due in to their repairers next week for an estimate, do I need to withdraw my claim before then?
If I was to get the bumper repaired on the cheap could I get the other insurers to pay for it?
Thanks for any advice!
The excess on the policy is about £400 because the kids are named drivers. If they offer me, say, £700, that means they will actually give me £300, no car, and I will have to try and reclaim the excess from the other party. I'd really like to keep the car, I understand I may be able to buy it back as write off but will still lose the excess.
Would I be better off just withdrawing the claim and keeping the car? If the insurers want to write it off, at what point does this happen? It's due in to their repairers next week for an estimate, do I need to withdraw my claim before then?
If I was to get the bumper repaired on the cheap could I get the other insurers to pay for it?
Thanks for any advice!