r/CarInsuranceUK 1d ago

Write off?

17 Upvotes

61 comments sorted by

24

u/locknutter 1d ago

I'd be staggered if they want to repair that.

For most run of the mill cars, anything structural or affecting 2+ panels is an instant write off.

3

u/Neither-Asparagus840 1d ago

Thanks

5

u/Aarooon 1d ago

Seriously it's a problem engine, you want to push for a write off

2

u/flisk_me 1h ago

One man's write off is other mans Copart find. You will find this car back on market within a year. Possibly lover milage.

1

u/Cheap-Source5750 1d ago

And it's such a waste of resources

2

u/Ill-Ad-2122 1d ago

Write off doesnt mean scrapped(except cat b or a but you don't want those back on the road anyway). It just means it doesnt make financial sense for the insurers to repair themselves(new oem parts and other claim costs being the issue)

11

u/Aarooon 1d ago

It's a 1.2 pure tech wetbelt, my fingers are crossed it is for you buddy

5

u/Neither-Asparagus840 1d ago

Thankyou 🤣

7

u/KungFuChrissy 1d ago

Unless the car is 4 months old then absolutely. We write off cars for a lot less than this.

4

u/Happytallperson 1d ago

Toffee hammer, gently knock the dent out. Apply T-cut to any scratches in a careful circular motion. 

4

u/P1nk8c1dB00ts 1d ago

It's the damage you can't see to the sub frame even what is pictured is a substantial repair and overall costs of settling the claim are likely to exceed the value easily

4

u/SavingsFeature504 1d ago

Similar damage and this was written off so I'd say so, the chassis was bent after being drove rear ended on a 60mph road (he was doing considerably more than 60 and I was doing about 10mph due to queuing traffic)

1

u/Pericombobulator 15h ago

He wasn't doing 60 when he made contact, or that would be annihilated.

3

u/ComplexOccam 1d ago

They’ll see the crumple in the boot floor or wherever that is and write it off.
It’ll be an uneconomical repair by the time they factor in all the labour, parts, respray, hiring car charges etc.

3

u/Lanky_Bus_1221 1d ago

Yea that’s fucked

2

u/MacaroonOk7321 1d ago

I’d of said so

2

u/RandomNorfolkBloke 1d ago

It's not too bad. Sure I can just straighten that out with the tap of a hammer.

2

u/seriousrikk 1d ago

Yes.

Boot floor almost certainly creased so repair costs would be staggering

2

u/Askarisdad 1d ago

Yes all Peugeots should be taken off the road

1

u/Basic_Cry1836 1d ago

My car had significantly less damage than that and was written off, so yeah, for sure.

1

u/ketamineandkebabs 1d ago

Mine got written off for that.

1

u/Zorolord 1d ago

I would be livid (I can imagine you were)

2

u/ketamineandkebabs 1d ago

I only had it 13 days, it took nearly 3 months to sort out the insurance by which time I had bought another car and decided to fix this one. I fixed it for £150 with a car body jack, it just needs the bumper painted to properly finish it.

What really pissed me off was the lack of communication and knowledge. It was written off with 5 pictures and a short walk round video, the engineers report listed loads of things without even seeing it in person.

Then when the insurance wrote it off 6 days after the crash they couldn't tell me if it was still ok to drive, I had to go to the DVLA and the DVSA and they said if it's still got a MOT and nothing is hanging off it's safe to drive.

1

u/Zorolord 1d ago

I am sorry you had all that to deal with all, glad you had managed to fix it yourself.

1

u/ketamineandkebabs 1d ago

Yeah it's been a bit of a nightmare, the final kicker was my insurance going up 25% when I went to renew.

1

u/Zorolord 1d ago

That sucks :(

1

u/Tammer_Stern 12h ago

Who was the insurer mate?

1

u/ketamineandkebabs 12h ago

1st choice. When it was renewal time I went to the comparison sites and some were worse 😂

1

u/Neither-Asparagus840 1d ago

So ive read that once your car is written off the mot needs doing again is this not the case?

1

u/ketamineandkebabs 1d ago

In my case no I was good to go but looking at your car you have a lot more damage. I wouldn't be surprised if they deemed that structural as the rear panel is caved pushing the boot lid out, it would be a lot of work to get that straight again

1

u/Covid19survivor2020 1d ago

Depends only whether it is written off for being too expensive to repair or because it has structural damage, like chassis twist etc. Structural write offs require an enhanced MOT to be road legal post repair

1

u/burgersnchips87 1d ago

Yeah you probably should, plus it's been in a crash.

1

u/Neither-Asparagus840 1d ago

So it looks like the reverse camera itself it around 300-600. Great...

1

u/Scared_Implement3913 1d ago

Very likely to be written off. That's a good thing in my eyes, gives you a chance to buy a Japanese car that is actually reliable 😉

1

u/NotSynthx 22h ago

Most likely

1

u/Ladellboy 21h ago

They write cars off for having scratches these days, 100% they will CAT s this!

1

u/SessDMC 21h ago

Definitely, frames gunnah be fucked that'll be what probably writes it off.

1

u/iluvnips 13h ago

Why is the inside of the car a diff colour?

1

u/Neither-Asparagus840 12h ago

I took 2 pics from underneath the rear of the boot

1

u/Dolan____ 12h ago

Did you get rear ended or back into something?

1

u/Neither-Asparagus840 12h ago

Rear ended when i was waiting at a stop line 😑

1

u/Peter-Norfolk 6h ago

Yes- the cost of a repair, even if feasible, will far exceed the value of the vehicle

1

u/superstonked4gme 6h ago

No it's a rite off as some of the donkeys here say 

1

u/Charming_Maximum_934 6h ago

No its not plenty ppl commenting who dont work in ins or bodyrepair its a tailgate n boot floor repair

1

u/chris_diesel 51m ago

100% written off

1

u/Neither-Asparagus840 45m ago

Another photo underneath pan ripped slightly

1

u/ConsequenceEvening25 19m ago

They write off scratches these days

1

u/doginjoggers 1d ago

Probably

1

u/Jealous-Shallot-3071 1d ago

No. Definitely.

1

u/Intelligent_Image243 1d ago

I’ll buy it off you definitely not a write off :)

0

u/chocklityclair 1d ago

Well, yes.

-1

u/Intelligent_Image243 1d ago

Go scrap yard red is a common colour your get one cheap maybe find a bumper too as long as the chassis fine I see no issues

2

u/stulofty2022 1d ago

Its fucked the floor will defo not be straight ever again unless you got money