Car write off advice

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Soldato
Joined
6 Mar 2008
Posts
8,753
Location
Leicestershire
Hi,

Pretty sure my car is a write off but just wondering what happens next. I have phoned insurance company and they've sent an email to say they suspect it's a write off etc.

As I understand it someone will come out to look at it from the insurance company and confirm whether or not it is. Looking at other cars which are written off I'm 95 percent sure it will be.

If so what happens then, do they offer a settlement fee before taking the car, should I accept the first offer and anything else worth knowing to help would be appreciated.

It's a Ford Focus 63 with 97k.
 
IC3 said:
You should be able to replace your current car with the same spec, age, condition etc, if you can get a replacement for what they offer that means its too low. Use Autotrader for examples, cars tend to be more expensive on there.
Click to expand...

Sorry, not sure I understand that? If I can get a replacement for what they offer isn't that a good thing?
 
What if I can't find the car in the exact spec?

I can find three Zetec Automatic Focus 2013 1.6L Petrol cars with similar mileage but my car is the auto titanium model which I can't find.
 
Ok I have found a similar one, for £5,300. They're all around the £5k price. So should I settle for nothing less than £5k? If I refuse their first offer and they come back with another offer less than £5k do I refuse again until they meet that price?
 
I'm quite sure its a write off.

How long does it usually take to get a settlement? Weeks or months? I'm going to have to get a temporary car somehow. I have been told that the AA or Beam who I am with use a company called Ax who can provide a temporary car. Not sure how much that would be.
 
I phoned Beam this morning. The car will be picked up next week and assessed and then I'll be offered the market value of the car, but I'm going to refuse the first offer as it'll obviously be too low. I asked when it's likely I'll be paid the settlement fee and she said a couple of weeks, maybe a bit longer with it being Winter. So hopefully I'll have cash to buy a new (to me) car soon.

Just trying to sort out a car temporarily. They did recommend a company call Ax that they use for hire cars but their trust pilot looks horrendous.

Does anyone know a decent car hire company with not extortionate fees?
 
I got side swiped by a pick up truck so my front left got hit by that but most of the damage on the other side is where my car has hit another parked car.
 
Well surprisingly its a Cat N write off so no structural damage.

Ive been offered £5,300 settlement or

RETAINING

If you would like to purchase your vehicle back from The AA, a retaining fee of £1,150.36would be deducted from your settlement payment making the total amount payable £3,888.64.

just out of curiousity how much would the repairs cost, ballpark?
 
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