A bit of insurance advice please...

endure

GCM
I have a Fiat Panda which is worth about £600. On Saturday I had an accident which damaged the bumper and knocked the number plate off but otherwise did no damage at all. I've replaced the number plate and the car is still driveable.

I reported it to my insurer (AVIVA) and have had an email from them today saying that the car is probably beyond economical repair but they're sending someone to take it away and have a look to see if it is repairable. If not they will offer me what they think it's worth less the £150 excess I have on the policy and scrap it.

As it's still driveable and it suits me (small and cheap and I only do a few miles a week) I'd like to hang on to it. Is this possible? How does the 'beyond economical repair' thing work?
 

Helm

MIA
Moderator
Book Reviewer
They usually ask you if you want to keep it if they write it off, you can then put it back on the road, as long as it's a Cat C or D repair, however, if I recall right C has to be a professional repair, the letter may have changed now so the equivalent, if it is an A and B or equivalent it should be scrapped. Double check with someone with more recent knowledge than me though.
 
I have a Fiat Panda which is worth about £600. On Saturday I had an accident which damaged the bumper and knocked the number plate off but otherwise did no damage at all. I've replaced the number plate and the car is still driveable.

I reported it to my insurer (AVIVA) and have had an email from them today saying that the car is probably beyond economical repair but they're sending someone to take it away and have a look to see if it is repairable. If not they will offer me what they think it's worth less the £150 excess I have on the policy and scrap it.

As it's still driveable and it suits me (small and cheap and I only do a few miles a week) I'd like to hang on to it. Is this possible? How does the 'beyond economical repair' thing work?
Paging @The_Duke.
 
I have a Fiat Panda which is worth about £600. On Saturday I had an accident which damaged the bumper and knocked the number plate off but otherwise did no damage at all. I've replaced the number plate and the car is still driveable.

I reported it to my insurer (AVIVA) and have had an email from them today saying that the car is probably beyond economical repair but they're sending someone to take it away and have a look to see if it is repairable. If not they will offer me what they think it's worth less the £150 excess I have on the policy and scrap it.

As it's still driveable and it suits me (small and cheap and I only do a few miles a week) I'd like to hang on to it. Is this possible? How does the 'beyond economical repair' thing work?
Had the same problem last year someone parking hit the car put a dent in it - assessor judged it to not be economical to repair - to cut to the chase I said I wanted to keep the car - it became a cat N I think - out of the settlement I paid to buy the car so the settlement was reduced still got about £1500 and they only damage was a small dent and some scratches'

My car is a 09 plate and not worth a great deal - that it now has a cat N against the DVLA entry it is still perfectly roadworthy, it did not incur any increase in insurance premium although is could do in the future, my insurance just continued the same as the annual payment was not due

I made sure that they were aware that I wanted to keep the car, when you have an accident there are some many different companies involved is can be a pain - assessors - claim management - repair garage for quote
etc Make sure the claim management company are aware you wish to keep the car


Category N, or ‘Non-structural’ cars

This is the equivalent of the previous Cat D category, and identifies a car that's been involved in an accident, but has not suffered damage to its structural frame. The updated code notes that even though Category N cars haven't had their core safety structures damaged, there may still be safety-critical parts – such as suspension or steering components – that need replacing.


Category N (formerley D)​

The least severe category for your vehicle to fall into is category N, the second of the new categories. Cars in this category haven’t sustained any structural damage. This means category N write-offs will be for cosmetic or electrical reasons. Until repairs are made these cars are still not safe to drive. Non-structural damage can mean faults with the brakes, steering or other safety-related parts



Archie
 
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PhotEx

On ROPS
On ROPs
Yes, most policies will let you buy it back as scrap value, but as noted above, it gets a Cat N marker and will cost more to insure.
 

No Boots

Old-Salt
I would be very wary of letting them take it away as either you probably wont see it again or be faced with storage charges.
Seems strange them sending an assessor if you haven't made a claim.
Cynic moi?
 

anglo

LE
I have a Fiat Panda which is worth about £600. On Saturday I had an accident which damaged the bumper and knocked the number plate off but otherwise did no damage at all. I've replaced the number plate and the car is still driveable.

I reported it to my insurer (AVIVA) and have had an email from them today saying that the car is probably beyond economical repair but they're sending someone to take it away and have a look to see if it is repairable. If not they will offer me what they think it's worth less the £150 excess I have on the policy and scrap it.

As it's still driveable and it suits me (small and cheap and I only do a few miles a week) I'd like to hang on to it. Is this possible? How does the 'beyond economical repair' thing work?
If the other driver is not making a claim against you, just tell your insurance
you are just reporting it in and not making a claim, they should not class it as an accident,
you repair the damage, and away you go,
That's what I did when a Merc smashed a rear lamp glass in a car park,
I told the insurance company, just in case the other driver made a claim against me,
{ he said he wasn't going to make a claim against me}
 
If the other driver is not making a claim against you, just tell your insurance
you are just reporting it in and not making a claim, they should not class it as an accident,
you repair the damage, and away you go,
That's what I did when a Merc smashed a rear lamp glass in a car park,
I told the insurance company, just in case the other driver made a claim against me,
{ he said he wasn't going to make a claim against me}
In the past, when reports were a paper form, I would write "For information purposes only".
That way they couldn't say that they didn't know about the incident within the time allowed in the policy.
 
Many years ago now, I couldn't afford a van and a car, so I bought a 3year old Granada with 120,ooo on the clock, kept my plumbing gear in the boot and had a trailer for bigger stuff...... £2,000

Ran it for 10 years with next to no issues, put another 150,000 on it, then it was parked outside a job, and some boy racer wrecked his mobile on it, denting my bumper and rear, and cracking a light cluster.

The insurance wrote it off and gave me a grand for it........ my ginger, geordie scallywag of a neighbour, took me on a tour of his mate's scrapyards, and with the aid of a lump hammer, sorted it for a tenner and a few beers.

Ran it for another 5 years....... best car ever.
 

Joshua Slocum

LE
Book Reviewer
check that the registration is not of value, they like to sell the plates on
also Pandas are easy enough to fix
is another car involved ?
 

endure

GCM
They're just ordinary plates.

The car's only worth about 600 quid so I don't think they're going to bust a gut getting it fixed. It's perfectly driveable. The bumper only has a slight ding.

There is another car involved. They haven't mentioned that at all yet.

I just want avoid all the hassle and cost of getting another car when I can keep the Panda.
 

Joshua Slocum

LE
Book Reviewer
They're just ordinary plates.

The car's only worth about 600 quid so I don't think they're going to bust a gut getting it fixed. It's perfectly driveable. The bumper only has a slight ding.

There is another car involved. They haven't mentioned that at all yet.

I just want avoid all the hassle and cost of getting another car when I can keep the Panda.
hang on to it, and if the other driver tries to claim silly money for repairs, point out that yours is still running
my car has had loads of accidents and panel work, it still serves me well as a working vehicle
although I was not responsible for the damage, that was the blue monsters !
 
D

Deleted 15653

Guest
I got my very first car through this route. It was my mum's MKII Escort (in 'Sahara Beige - VUT485S) which I pranged. The insurance company wrote it off and rather than pay my dad £250 gifted him the car at his request. I then paid the repair costs from the profit I'd made on my BT shares and the car was mine. I ran it for two years until I finished Trade training and went to Germany.
 

endure

GCM
I've posted on Honest John as recommended and the first reply was to tell Aviva to do one. When I filled the online claim form in I said I didn't want to claim but I got a big red flag that said I ought to so I did.

All I want to do is report the accident in case the other diver claims. My car is OK.
 
Why the hell did you inform Aviva?

No matter what outcome is, your insurance premium will now increase

Stupidity beats common sense again
 

Joshua Slocum

LE
Book Reviewer
My friends car was stolen a couple of years ago,
he notified the insurance company, that it had been stolen along with the police
I recovered the car, along with another from our local council estate morons,
repair costs 100 quid
his insurance went up by 100 quid !!
he is still driving it
 
Why the hell did you inform Aviva?
Presumably because it's a requirement of the policy. If Aviva find out, expect a massive increase in the renewal and difficulty getting insurance from another insurer.

Almost happened to me until I did some detective work to find out the claimant's insurer and discovered that somebody had written the registration down wrongly (mine was an 02 plate, the at-fault car was an 03). It took a while to get it resolved as Aviva wouldn't speak to Zurich and vice versa so I ended up having to chase up all the paperwork for a collision that I wasn't involved in. All when I was two days away from my policy expiry.
 

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