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Old 20 January 2016, 05:23   #21
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Now it looks like a real off roader and gives your Disco character!

All I can say is that you must make sure you get the right deal when negotiating the insurance deal. I doubt that will be Cat A or B in which the insurance hands are tied and have to totally write it off.

My missus had two NFaultA's in two days last year. Her Picanto was written off and we took the payment for the whole car. Someone has bought this and it's now showing it's been repaired and back on the road.

Someone went in the back of the truck two days later in the same fashion as the Ambulance in in the rear of your Disco and with similar results (except he hit the towbar lol). I didn't even deal with my insurance as it was clear who was at fault and was admitted by the 3rd party insurers. They sent an assessor around my house, we came to an agreement and I'm best part of a 1000 better off. Much more civilised that being told it's being scrapped!
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Old 20 January 2016, 05:45   #22
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I didn't even deal with my insurance as it was clear who was at fault and was admitted by the 3rd party insurers.
Did you inform your insurer? They will expect you to.
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Old 20 January 2016, 08:21   #23
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Did you inform your insurer? They will expect you to.
Yes of course I did, it's in the contact. But you don't have to go though them. Just advise them to stand by until you've struck a deal with the 3rd party insurance. You can always go though them if you're not satisfied with the settlement. But 3rd parties insurer's are very keen on dealing directly when they know they have to make a payout. You are more likely to get better compensation payouts by going direct and be less likely to scrap your vehicle off. The value of my 1998 Trooper is about 700. The payout was just under 1000 which I pocketed because the damage was all superficial.
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Old 20 January 2016, 12:45   #24
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Old 20 January 2016, 13:43   #25
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I've had a couple of non fault bumps, has always put my premium up. Shouldn't be allowed but insurance seem to do what they like.
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Old 21 January 2016, 05:41   #26
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I've had a couple of non fault bumps, has always put my premium up. Shouldn't be allowed but insurance seem to do what they like.
As you're probably aware an insurance company works it's premiums out on risk factor. Simply put, being involved in a motor accident even if not at fault will put you in a higher category. Same as a modified car, doesn't matter what the modification is and could be a pair of extra spotlights on the front, or slightly different Tyre profiles, it makes you go in to a higher cat and is their get out clause if they aren't declared.
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Old 21 January 2016, 12:36   #27
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Modified car is perhaps a poor comparison although I understand your point. I have the choice to put a cherry bomb on my car, not when someone shunts it though.

The fact is they do it because they can, it shouldn't be legal in my eyes.
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Old 21 January 2016, 13:23   #28
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You don't choose to be male and that increases your risk.
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Old 21 January 2016, 13:51   #29
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Simply put, being involved in a motor accident even if not at fault will put you in a higher category

You could flip that on its head & say that statistics will dictate that we will be involved in "X" number of accidents in our lifetime, it would follow that each accident reduces your chances of having another by X-1. Therefore each accident should lower your chances of having another.
IMHO etc.😄
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Old 21 January 2016, 14:23   #30
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You could flip that on its head & say that statistics will dictate that we will be involved in "X" number of accidents in our lifetime, it would follow that each accident reduces your chances of having another by X-1. Therefore each accident should lower your chances of having another.
IMHO etc.😄
But Lets say that the stats say on average each person has 3 accidents in a lifetime. Your arguement is you've had 1 which means you are only due 2 more. Thats a straightfoward relationship, but you are assuming your risk of accident is dispersed along the time line evenly or randomly. But what if the statistics say if you have an accident this year you are more likely to have another next year than if you hadn't had an accident. Next year is what your insurer cares about thats what you are paying for. So even if your lifetime risk of accident doesn't increase (which it may), your risk of accident in the next 12 months has.
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