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Topic: Caravan Written Off!!!

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Weeksy

17/7/2012 at 10:42pm
Location: Leics
Outfit: Coachman Amara

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Well, thanks to THAT hailstorm last month, both our tow car and caravan have now been written off by our insurers. We will get what is called "market price" from the insurers (which won't allow us to buy the same kind of van like for like). Was wondering if anyone knows if we could strike a deal with insurers to keep the van under a salvage deal? We were wondering whether to attempt replacing skylights ourselves? Anyone else with this problem? Our dilemma is that we're supposed to be going anyway in 3 weeks and time is running out.....

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duffs54

17/7/2012 at 10:51pm
Location: Cambs
Outfit: Ford Duetto Autosleeper

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I have heard that you can buy a car back from an insurance company when it is written off, but that was some years ago!

That's really sad, hope you get it sorted and get away.

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Duffs54

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Weeksy

17/7/2012 at 10:54pm
Location: Leics
Outfit: Coachman Amara

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Thanks duffs, thought I'd ask as we did have that option with our car, but decided to settle in the end. Just waiting to see what the insurance co. comes back with ...

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astronomypete

18/7/2012 at 7:14am
Location: None Entered
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With car's it depends upon the status of the write off. A category D write off (repairs though minor cost more than the value of the car) you can get the payout and you get to keep the car, just insist that you want to keep the car and they deduct from the payout the salvage payment. It might be the same with caravan's. all you have to do is ask. They are normally very friendly and provide the correct advise on talking to them.

kbcalypso

18/7/2012 at 7:15am
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start looking at what it would cost to replace like with like and try and save the adverts to show what it would cost to replace, ie your car could be say 2000 but they would offer only what the trade would buy it for so you will have to pay the difference, don't forget the person you speak to will be trying to knock you down to save them money, tell them to replace the car/ van and see what they offer but state that you want same colour/year/mileage.

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jasie

18/7/2012 at 8:21am
Location: Bath
Outfit: Bailey Palermo & Kampa Brean

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you can only ask. companies sometimes prefer to do this as it saves them the admin and associated costs with disposal.

make sure you find out exactly how much its going to cost you to fix it up.

the figure that they will sell it to you is usually a percentage of the market value....i.e. this is the deal that they have with the scrap/collection company.

what they will do is pay you the difference between the two figures, so you can use that to make repairs.

you may also find it harder to insure as it has been previoulsy written off...this may be a consideration to any future claim as they will reduce the value accordingly as it was a "repaired" van.

lots to consider so just do the sums :)

weetam

18/7/2012 at 4:03pm
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We recently discovered our heiki rooflight had a piece of perspex missing. We got a quote for the insurance for over £600 to supply & fit the perspex only so I can't imagine it being a viable option to try & repair a write off. I thought it would have cost about £150 to repair what is after all a piece of moulded plastic. As usual in this country we get ripped off at every turn.

raftguid1977

18/7/2012 at 6:32pm
Location: North west
Outfit: Kalahari 8

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their getting to handy at just written of cars and other kit, brother got rear ended by someone they said due to the damage it would written off, he persisted in it being repaired, the damage cost 1200 to repair
it would have cost them about 5 grand (book value) for the car, i just don't understand them. am still fighting of a claim due to bash cash, they weren't interested till the other chap put in bill for 60 grand on hire cars

I also dont think anyone should claim whiplash with out a air bag deploying

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Weeksy

19/7/2012 at 11:39am
Location: Leics
Outfit: Coachman Amara

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Thanks for your relies everyone. We bought our van new in 2005 for £12k but the insurance are only willing to give us £6,900 less excess. To buy a van the same year/make/model would cost us £7.5 - £8.5k, so we are out of pocket. Are in process of disputing settlement with insurance, fingers crossed they will up the amount.

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jasie

19/7/2012 at 11:46am
Location: Bath
Outfit: Bailey Palermo & Kampa Brean

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keep pressing them.....on my recent claim our insurer said they got a figure from glasses guide.

seemed they had a differnt copy of the glasses guide that I had seen whcih was very odd, and they came up with their own "offer" figure.

if you can prove it would cost more then they have to listen to that....although consider that no-one pays the screen price, so there is always going to be negotiation

DARKLORD

19/7/2012 at 5:25pm
Location: Worcestershire
Outfit: Autotrail Comanche

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When our swift conqueror was written off due to hail stone damage
After assessment we made an offer for the salvage .
the caravan value was £5500 from the insurance company we offered £1500 for the van they accepted and payed us the difference
We then had an independent inspection on the van to make sure it was roadwoththy (the damage was only cosmetic) along with a service,
Presented the details to another insurance company who insured the van at a lower value
When we sold the van some years later we disclosed to the buyer the claim associatted with the van as it will show on the cris register as an insurance write off .
Hope this helps
Tony

Weeksy

19/7/2012 at 7:06pm
Location: Leics
Outfit: Coachman Amara

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Thanks everyone think we're going to try disputing first, we've printed off examples of adverts for the Same model/age of van first . Will keep you posted ......

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Aceselect

23/7/2012 at 9:55am
Location: Nottinghamshire
Outfit: Sprite Alpine 2 Caravan

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Similar happened when my car was written off Weeksy, they gave me a low figure, I proved to them via advert printouts etc that the quote was way to low, they agreed and upped their offer to a more realistic amount. Hopefully your insurers will do the same for you.

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David
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beanpark

23/7/2012 at 11:47am
Location: Surrey
Outfit: Peugeot Boxer Utah + Lunar Ariva

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Quote: Originally posted by Weeksy on 19/7/2012
Thanks everyone think we're going to try disputing first, we've printed off examples of adverts for the Same model/age of van first . Will keep you posted ......

Keep uis informe;d also what insurance you have; the company always worth knowing what is a good one or one that does not bend even an fraction

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Chrissie

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Janx

23/7/2012 at 1:10pm
Location: lincolnshire
Outfit: Bailey Pageant Burgundy +Kia Sorento

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Yes keep us informed would be interested to know the outcome as we could only afford to insure ours this year for market price.

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philip 22

23/7/2012 at 10:32pm
Location: lincolnshire
Outfit: N A

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Hi Weeksy I don"t know if this any good but there is a 2006 Bailey Pageant Bretagne on E-bay in excellent condition at £7,250 but you can make a offer on it .if the insurer will not pay anymore .

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