Car insurance

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Tally7

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Good morning everyone. I would like to know if your is a write off and the insurance company declares it as uneconomical to fix then you decide to fix it yourself, is it possible to cover again the car after it was written off?? I’m stressed as my insurance is writing off my car but I want to fix it and insure it again as it is a new car...

Thank you
 
Lupus said:
If it's written off, it's marked as a code 3,which makes it really hard to re insure.
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Thank you so much for your reply, let them write off then cause I can’t drive a car without insurance
 
no airbags were affected. It’s only the side at back got damaged. Bumper, windscreen, tailgate, axel got bent and tail light that need fixing.
 
Tally7 said:
Good morning everyone. I would like to know if your is a write off and the insurance company declares it as uneconomical to fix then you decide to fix it yourself, is it possible to cover again the car after it was written off?? I’m stressed as my insurance is writing off my car but I want to fix it and insure it again as it is a new car...

Thank you
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A write-off is not automatically a code 3

Discuss buying the vehicle from the insurer as part of the settlement.

They usually are cintracted to a salvage dealer like SMD so your offer will need to be higher between 28% & 34% depending on their contact. Some insurance companies are bound by contact and cannot do this.

You will need to have the vehicle inspected before the same insurer accepts cover again.

With lower value vehicles sometimes small damage can cause a write off

The insurer will not accept cover if there are critical parts damaged which could make the vehicle unsafe.

Please get and work through a broker in future and take "advice" given on forums with a pinch of salt. It's actually illegal to give insurance advice if you not an approved FSP.

Hope you come right.
 
Thank you I stressed myself so much so I think I should let it go... to think of it, I had only 4 days with a vehicle and smashed it on the wall while reversing eish
 
Tally7 said:
Thank you I stressed myself so much so I think I should let it go... to think of it, I had only 4 days with a vehicle and smashed it on the wall while reversing eish
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Ouch forgot you had a boot? I did that when I got a Cruze first car with a boot in almost ten years :). First 4 days, reversed into a Merc
 
Tally7 said:
Thank you I stressed myself so much so I think I should let it go... to think of it, I had only 4 days with a vehicle and smashed it on the wall while reversing eish
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We need details now.

The OP mentions a new car?

How the **** did you reverse fast enough to have the car written off?
 
I won’t lie neh, I’m a new driver so I was reversing, there was a car standing close to my gate so panicked and use accelerator instead of breaks...
pinball wizard said:
We need details now.

The OP mentions a new car?

How the **** did you reverse fast enough to have the car written off?
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The amount to fix the car exceed the value of the car. It’s a small damage but parts are expensive
 
Eish
Sorry about thr mishap and being a new driver. It will get better.

I am curious, what car is it?
 
eg2505 said:
this,
usually if the airbags go off, even if its very minor damage, code 3 impossible to reinsure.
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Hit a tree on my second day with a car, both airbags went off, Auto and general didnt write it off though they had it repaired at renew-it.
 
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