Crashed my scooby, should i get it sorted through insurance?
03 November 2008, 06:31 PM
#31
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you already told them so you will have to declare an accident every renewal anyway even if you don't claim its a **** but they got a record of it now that alone will put ur premium up 
as ive reciently found out insurance companys never loose.
My Mrs stacked my sti 2 weeks ago i need to put some pics up wrote it off and im still arguing with the insurance company there 1st offer was horrendous
as ive reciently found out insurance companys never loose.My Mrs stacked my sti 2 weeks ago i need to put some pics up wrote it off and im still arguing with the insurance company there 1st offer was horrendous
Jonny
03 November 2008, 06:59 PM
#32
an insurer would not repair that car imho, 1998? worth £3000-£4000?
get them to cat d the car and ask for a cash in lieu offer so you can keep the salvage and have it repaired yourself. with the money left you can put it towards a 1999 spec front end and keep some for next years increase in premium
get them to cat d the car and ask for a cash in lieu offer so you can keep the salvage and have it repaired yourself. with the money left you can put it towards a 1999 spec front end and keep some for next years increase in premium
03 November 2008, 07:48 PM
#33
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You be suprised mate. Rememebr last year when my loverly red classic got bashed into on the drivers side...
Parts needed were...
Drivers wing
Drivers door
Wheel refurb
Lots of spray work
Couple other tit bits, but the bill to "his" insurers was £2000.
Genuine Subaru parts are bloody expensive and anyone who knows anything about insurers will agree you have to use genuine parts...
03 November 2008, 07:56 PM
#34
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i did the exact same thing 2 years ago to my typeR and it was valued a heck of a lot more than the op's.they wanted to write it off as COB said due to subaru origional parts prices,i paid the damage myself and was still over 2 grand,all the silly little bits add up,now im trying to sell i cant get rid of the thing as it is damaged/repaired,so be aware of that when you decide,personally if i was doing it again id take the loss and let them write it off
03 November 2008, 07:56 PM
#35
Mate yours was slightly more extensive than the OP's. He's just looking at a bonnet n bumper.
I'm only going on my own experience recently which was similar, bonnet, wing, mirrors, grille, splitter. Billl was 1.5K. Obviously I had more done than the OP needs.
I'm only going on my own experience recently which was similar, bonnet, wing, mirrors, grille, splitter. Billl was 1.5K. Obviously I had more done than the OP needs.
03 November 2008, 08:16 PM
#37
bonnet
secondhand Bumper and support bar?
Aircon rad if unlucky
Slampanel Would Poss Repair with a good panel beater
Headlamps If realy unlucky and clips broke
WTF is with the wings and lamps
03 November 2008, 08:19 PM
#38
No they dont Block Exemption Rule lets them use Non OEM parts as long as they are up to thatcham standards, if its avalible in a patern part it gets used
03 November 2008, 08:43 PM
#39
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Whether all inaurers do this, I'll concede that, but mine did, so can only go off personal experience.
I presume you work in either insurance and/or the bosywork trade, as a lot of your posts seem to be correnting people telling them they're wrong
Wait a minute, are you an MP?
03 November 2008, 08:44 PM
#40
mate aint read all the replys but a imported classic STI will be WROTE OFF, refuse to let them take the car as once they have it they send it to a " free storage facility" till you decide,, then YOU have to pay to get it back THAT IF THEY LET YOU
the price of the bumper and bonnet from subaru aswell as the labour and the rad will come to half the value of the car,,, so they will write it off and pay yyou out and the storage place ( or otherwiise known as a salvage yard) will sell the car on
ALSO if the cars been involved in a accident before and claimed they it CANT be put back on the road aswell as you will get half the value of the car if it had been wrote off
IMO for the price you pay on insurance,,,,, you would be better off sourcing the parts, maybe a carbon bonnet ect and lick ya lips,,, classic STI's aont worth the actual insurance we pay for them these days tbh,,,,,, and i pay 1200 quid a year for mine but they are worth around 3 to 3500k
the price of the bumper and bonnet from subaru aswell as the labour and the rad will come to half the value of the car,,, so they will write it off and pay yyou out and the storage place ( or otherwiise known as a salvage yard) will sell the car on
ALSO if the cars been involved in a accident before and claimed they it CANT be put back on the road aswell as you will get half the value of the car if it had been wrote off
IMO for the price you pay on insurance,,,,, you would be better off sourcing the parts, maybe a carbon bonnet ect and lick ya lips,,, classic STI's aont worth the actual insurance we pay for them these days tbh,,,,,, and i pay 1200 quid a year for mine but they are worth around 3 to 3500k
03 November 2008, 08:50 PM
#41
mate i WORK as a partsman, selling pattern parts and ALSO used to work at a few main dealers,,,, and a guy i train with in the gym is a claims engineer for norwich union,,,,,, pattern parts are NOT used, its not the ORIGINAL spec and also can cause lead time issues for the bodyshop,, time is money and all that
the only time they will be used is if they aint available anymore,,,,, block excemption rules are about warranty claims btw,,,,, its cause main dealers where refusing warrantys unless genuine parts with a franchise dealer where used,,,,,, yet the parts the dealers used where made but hengst/textar/ate/bosch ect ect ect ect,,,,,, as they dont actually make much stuff but get it made for them these days
as said i am a partsman by trade and not just a counter sales bloke ( i make fetch the coffee too )
03 November 2008, 08:57 PM
#42
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mate i WORK as a partsman, selling pattern parts and ALSO used to work at a few main dealers,,,, and a guy i train with in the gym is a claims engineer for norwich union,,,,,, pattern parts are NOT used, its not the ORIGINAL spec and also can cause lead time issues for the bodyshop,, time is money and all that
the only time they will be used is if they aint available anymore,,,,, block excemption rules are about warranty claims btw,,,,, its cause main dealers where refusing warrantys unless genuine parts with a franchise dealer where used,,,,,, yet the parts the dealers used where made but hengst/textar/ate/bosch ect ect ect ect,,,,,, as they dont actually make much stuff but get it made for them these days
as said i am a partsman by trade and not just a counter sales bloke ( i make fetch the coffee too )
the only time they will be used is if they aint available anymore,,,,, block excemption rules are about warranty claims btw,,,,, its cause main dealers where refusing warrantys unless genuine parts with a franchise dealer where used,,,,,, yet the parts the dealers used where made but hengst/textar/ate/bosch ect ect ect ect,,,,,, as they dont actually make much stuff but get it made for them these days
as said i am a partsman by trade and not just a counter sales bloke ( i make fetch the coffee too )
*gets popcorn*
03 November 2008, 09:15 PM
#43
yes but its down to convinience from the bodyshop, time is money
ordering from a main dealer they will get any clips ect ect ect also ordered that they may need,,,,,, pattern wont all be available meaning they will STILL have to call up a main dealer to order the smaller parts taking 2 calls,,,,,, waiting on 2 deliverys and then theres a chance the pattern parts aint correct,,,,, vw toureg for example on 2007 changed the wings ect for a facelift,,,, look the same to look at but are 2 ins shorter and the bumper longer
theres aniother deliver from the main dealer AFTER ordering from a pattern parts place
as said i sell car parts for a living and see what happens with bad cross referencing or just ****e cataloging,,,,,,,, as i have to deal with it these days !!!
to summmerise scoobie classic STI is gonna be a write off, insurance will go up and you will be out of pocket,,,if your gonna keep the car then fix it IMO
ordering from a main dealer they will get any clips ect ect ect also ordered that they may need,,,,,, pattern wont all be available meaning they will STILL have to call up a main dealer to order the smaller parts taking 2 calls,,,,,, waiting on 2 deliverys and then theres a chance the pattern parts aint correct,,,,, vw toureg for example on 2007 changed the wings ect for a facelift,,,, look the same to look at but are 2 ins shorter and the bumper longer
theres aniother deliver from the main dealer AFTER ordering from a pattern parts place
as said i sell car parts for a living and see what happens with bad cross referencing or just ****e cataloging,,,,,,,, as i have to deal with it these days !!!
to summmerise scoobie classic STI is gonna be a write off, insurance will go up and you will be out of pocket,,,if your gonna keep the car then fix it IMO
04 November 2008, 06:37 PM
#46
ps if you want a classic facelift but v3/v4 grill i got one you can have FOC as i changed to a later grill, might be a idea to find anyone else who might have odd parts lying about too
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