Write Off Criteria

[Luke_bank]

I hope to god he has not done a runner!

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I’ve got his address, telephone number and policy details as confirmed by the police.

My parents reckons that I shouldn’t be going through my insurance and that I shouldn’t have to pay my excess. Seems on here that i should be though?

I know for a fact I won’t end up in a brand new Leon ECOTSI again


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[russbellrfs]

I’ve got his address, telephone number and policy details as confirmed by the police.

My parents reckons that I shouldn’t be going through my insurance and that I shouldn’t have to pay my excess. Seems on here that i should be though?

I know for a fact I won’t end up in a brand new Leon ECOTSI again ️️


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Thats good at least.

Dont know a thing about insurance claims so cannot comment on this side of things.


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[CAPS_LOCK_STUCK]

I have never had to pay an excess if I was not to blame, I thought you should only pay excess if your insurer was paying out, so you to blame or joint blame then yes, am no expert but in the 2 times I have been involved in an accident I have not paid excess.

 

[Luke_bank]

I have never had to pay an excess if I was not to blame, I thought you should only pay excess if your insurer was paying out, so you to blame or joint blame then yes, am no expert but in the 2 times I have been involved in an accident I have not paid excess.

They reckon I’ll pay it in the first instance until liability is confirmed/all money taken. I’m hoping the drunk **** comes to his senses and rings his insurance company and admits he was on the wrong side of the road because he was ******.


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[Par]

If I was in your position I think I would be engaging one of the Accident Recovery Specialist companies to look after your interests. Third party insurers hate them being involved and usually respond a lot quicker.

 

[Luke_bank]

If I was in your position I think I would be engaging one of the Accident Recovery Specialist companies to look after your interests. Third party insurers hate them being involved and usually respond a lot quicker.

I managed to sort SEAT Ensurance out (they initially said I hadn’t registered, but I provided otherwise). Pretty sure that they do. Already talking about getting me a like for like hire care, instructing a solicitor, moving the car to one of their approved partners.


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[kazand]

I managed to sort SEAT Ensurance out (they initially said I hadn’t registered, but I provided otherwise). Pretty sure that they do. Already talking about getting me a like for like hire care, instructing a solicitor, moving the car to one of their approved partners.


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If that's the case and they are getting a solicitor involved, then no way should you contact anyone other than your own insurance company or Seat Esure. Anything else could prejudice your case, and I bet if you were to mention this to Esure or their solicitor they would advise you against it. These guys are professionals and deal with this every day. You've paid your insurance , let them do the work.

 

[chrisRibiza]

I’ve skimmed through the thread but the way my insurance worked when I was crashed into was if I used the insurers approved body shop I didn’t need to pay the excess. If I decided to go somewhere else I’d have to pay the excess and claim it back.

Mine was all handled through a claims management company. I imagine it’s fine letting your own insurance company deal with it ASLONG as they are seeking the money from the 3rd party’s insurance company / policy. You should not be claiming on your own policy for this.

 

[iScoTT29]

I managed to sort SEAT Ensurance out (they initially said I hadn’t registered, but I provided otherwise). Pretty sure that they do. Already talking about getting me a like for like hire care, instructing a solicitor, moving the car to one of their approved partners.


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I hope the Seat Ensurance provides a good service! Keep us updated on how you get on. I can only imagine the stress and hassle you must be going through. Hope it gets sorted quickly and you get another new leon!

 

[Philh46]

Did you get things sorted out Luke ?

 

[Alexpowell1]

Recently involved in a fairly serious collision with my 4 week old Leon (sore issue, don’t wind me up too much please).

I’ve never been involved in a collision before, so the insurance process is new to me. Whilst I’m waiting for my car to be assessed, it got me thinking about how an assessor/estimator decides whether a car is repairable or not.

Is it purely value, or is it more technical?

It’s easy to look at a car and think “ouch, that’s write off”, but when you break it down into what’s actually damaged, I wonder.

Attached is a pic of my car, looks bad but is it really that bad? The other pic is the Fiesta (driven by someone who was arrested for drink drive ), that’s surely ******!

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Same thing happened with my DS3, less damage than this. Write off, payment was made within 3 weeks by Directline - I paid £8 for named driver temp insurance for a few days..... Awful

 

[IrnBru]

Same thing happened with my DS3, less damage than this. Write off, payment was made within 3 weeks by Directline - I paid £8 for named driver temp insurance for a few days..... Awful

Me and my girlfriend were in an accident on the M8 in Scotland a few weeks ago, it had snowed all day and then it melted, it was just black ice, we were in the left hand lane, (her car was a 13 yr old punto) next thing we know was a 17 plate citreon grand piccasso had crashed into her drivers side, we then bounced off the central reservation and then the barrier on the hard shoulder, no airbags or that were set off, (just some front end damage and drivers door damage, drivers window smashed too) the police let us drive it 4 miles back home, the other driver admitted liability (it was his wife's motability car) insurance company collected the car the very next morning and I kid you not, she was paid out less than 48 hours after the accident, bearing in mind it was an old car, I reckon if they really wanted to fix it, they could have, apart from the crash, she actually came out of it better.

 

[Luke_bank]

Did you get things sorted out Luke ?

Finally managed to get the insurance to accept that they should be providing new car replacement, as per their own policy wording! They refused initially stating that it didn’t cover lease vehicles, but weren’t able to provide the wording in the policy to cover that exclusion. After a formal complaint and threats of the ombudsman they agreed it. Their line was “why are you so bothered by new car replacement? It’s not your car anyway”.

However, I’m now being told that I won’t have access to a courtesy car for the duration the car is on order, presuming they aren’t able to find one already made that is.


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[Alexpowell1]

Me and my girlfriend were in an accident on the M8 in Scotland a few weeks ago, it had snowed all day and then it melted, it was just black ice, we were in the left hand lane, (her car was a 13 yr old punto) next thing we know was a 17 plate citreon grand piccasso had crashed into her drivers side, we then bounced off the central reservation and then the barrier on the hard shoulder, no airbags or that were set off, (just some front end damage and drivers door damage, drivers window smashed too) the police let us drive it 4 miles back home, the other driver admitted liability (it was his wife's motability car) insurance company collected the car the very next morning and I kid you not, she was paid out less than 48 hours after the accident, bearing in mind it was an old car, I reckon if they really wanted to fix it, they could have, apart from the crash, she actually came out of it better.

Thats bad! Hope all is okay, Directline were fantastic with us. Sent out an engineer, was repairable but they said its not worth the hassle so we will "write it off" and payment was made after! They gave us over £1,500 more than it was worth aswell

 

[Luke_bank]

Thats bad! Hope all is okay, Directline were fantastic with us. Sent out an engineer, was repairable but they said its not worth the hassle so we will "write it off" and payment was made after! They gave us over £1,500 more than it was worth aswell

Directline on my new car then.....IF I ever get one!!!


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[MyLeon]

I haven’t had time to read the whole thread but just thought I’d add a recent experience...
A work colleague had a shunt in the rear in his Fiesta ST (17 plate 20k miles), which nudged him into the back of another car. The damage looked pretty much cosmetic but it was written off.


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[Alexpowell1]

I haven’t had time to read the whole thread but just thought I’d add a recent experience...
A work colleague had a shunt in the rear in his Fiesta ST (17 plate 20k miles), which nudged him into the back of another car. The damage looked pretty much cosmetic but it was written off.


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Exactly. This was a mates car, hit the kerb and Admiral wrote it off didnt even bother to repair it!

 

[ryzzey]

Someone reversed into me in a car park a few weeks ago, my insurer dealt with the claim. By passing it on to a claims management company called Auxillis, they managed the repair, gave me a hire car for the duration of the repair and delivered my car back.

This was then claimed back by them from the third party at fault.

I didn't have to pay a penny and it didn't affect my no claims, so you should be fine.

 

[Bubbs]

Been away from here a while... come back, and... OH ! After ALL that waiting too!

Well Luke, that clearly sucks in a big way.

In my experience, normally you’d be claiming off your insurers and paying your excess. Your insurers then claim all that back from the third party and should, in theory, refund excess at a later date (though if 3rd party is - incredibly- denying liability then not sure re excess bit).

Replacement cars is very much an insurer specific thing. I’ve thankfully not had a write off before but I did always get a hire car, although obviously if the replacement was a factory order then the timescales are different.

What a complete pain in the rear (or front)!