honest (book) price for 96 terrano2

Thomas-the-Terrano2 · 04-03-2009, 21:11

well a kind lady decided to plough dwon the side of the t2 today, damage all four panels.
think side step might have kept her going any deeper that deep scratching and couple of
dents.

insurance firm wants it assessed tomorrow. so will they write it off, lady's partner says
can we keep it private, as only just passed her test. so whilst she didnt admit liability
but she was on wrong side of road passing a parked car late for school pickup etc, he
pretty much has by wanting to not go thru company.

parkers give 1350 trade for a v reg, want me to subscribe for old regs. i reckon it'll
be about a grand for trade maybe.

strikes me, again!, that if i go private unless squeeze more out of em wont get courtesy
car. as it is assessor authed to start job so only thing is want to go away at weekend
with 'van so will need to defer work.

help will i get stung trying to help 'em or just recommend a course of advanced driving
lessons.

Deleted Member S · 04-03-2009, 21:18

TBH if that happened to me I would get the best price off the insurance company (I always reject their 1st couple of offers) & then buy it back off them for prob £500 the end result is you can have your motor fixed & some cash in your pocket

Thomas-the-Terrano2 · 04-03-2009, 21:27

Quote:

Originally Posted by Sweety

TBH if that happened to me I would get the best price off the insurance company (I always reject their 1st couple of offers) & then buy it back off them for prob £500 the end result is you can have your motor fixed & some cash in your pocket

heard of that, sounding dumb here how do i buy a motor back, after rejecting their
offers. Presume at this point they say it beyond economical repair heres £xxx, go forth...

Deleted Member S · 04-03-2009, 21:35

They will always give you the lowest offer first, but once you tell them all the work you've not long done on it

& their offer is far to low they will get back to you with a better price

once your happy with there offer just ask them how much it'll be for you to buy the T2 back off them

if it seems silly money to you then you can just take your money, but if it seems a fair price & you or you can get it fixed with the difference in money you'll get back & hopefully some spare change then you have that option

lacroupade · 04-03-2009, 21:49

I don't think theres anything in it for you either way ...

If you go the insurance route, a quid says after the event she will claim it wasn't her fault but the nasty 4x4 and, with no witnesses you will end up with a knock for knock and a claim history against you.

All you will get in those circumstances is a reasonable market value for your truck LESS your excess. And in that situation whats the point of buying the car back as well? You've still got to get it repaired and that sounds like at least £200 per panel's worth of damage with beating and paint - at least! So you would get £800 for a £1000 truck, less the cost of buying it back (£400 minimum?) = £400, less the cost of repairing it, say £600 at absolute rock bottom = minus £200!!, and thats the best picture - plus of course your claim history....

On the other hand, if he settles privately, what can you get out of him? You need at least the repair costs and car hire just to break even and that could easily amount to more than£1000...

I guess you need to put that together with a bit more thought than I did, front him up with a number and see what he says, but I suspect you'll end up going the insurance route (hopefully your NCB is protected?) in which case, in a knock for knock, you may well be out of pocket for your excess....if not, then at least you break even (car hire notwithstanding if your policy doesn't provide it).

Best bet is to try and provide best evidence of her liability - be objective; overtaking a car doesn't necessarily put her totally in the wrong...good luck!

Rock and a hard place springs to mind...

Thomas-the-Terrano2 · 04-03-2009, 22:03

thanks for that, sounds messy when if they say repair heres a loan car think also said
loan til written off. think will mention to insurance that they want to settle but could
leave me high an dry when pull out. insurer said was knock for knock unless they admit
it but thats if their insurer does really isnt it and they are more likely to fight for equals.

typical no witness, shame as a friend does live almost opposite site. if shes on first year
then what can she expect premium to rise by, r reg citreon xzara versus paying me off.

whats in it for me, well mrs as its her car and a bus for her business, nope think she'll
have to bite bullet next renewal either way and we get temp wheels and either a repair
or a new'un. funny really was looking at alternative motors, same or bigger, t2, patrol,
shogun, 'cruiser...with side bull bars?..

zippy656 · 04-03-2009, 22:17

not sure but what about buy back then break the car, every thing else is ok still??

not sure what one in bits is really worth tough

lacroupade · 04-03-2009, 22:49

I think your best bet is try for the most economical repair you can find within reason and see if they will pay for that. Its an older truck so its not the end of the world if its not a rolls royce job, but no reason you shouldn't have it back as close to how it was as possible.

Not sure if or how she'd get loaded; quite possible she will just stick at her zero NCB level, so no real penalty to her as such, but they may not know or think that, so play on it.

I'd try being very nice and play on their fears that she will get loaded....and one thing, the more they go down that road the closer they get to admitting liability, even if only by their behaviour in trying to settle off the record.....the worst case you can pursue them through small claims court - it isn't difficult and it only costs about £25....you can do it online and the beauty is nobody can get stung with any other costs, solicitors or otherwise...so if you can, try and out stuff in writing and get a written response....be nice and polite to avoid getting them on the offensive...

04-03-2009, 21:11	#1
Thomas-the-Terrano2 Moderator Join Date: Dec 2004 Location: Hackenthorpe Sheffield Vehicle: Terrano2 R20 lwb 2.7TDi Posts: 5,234	honest (book) price for 96 terrano2 well a kind lady decided to plough dwon the side of the t2 today, damage all four panels. think side step might have kept her going any deeper that deep scratching and couple of dents. insurance firm wants it assessed tomorrow. so will they write it off, lady's partner says can we keep it private, as only just passed her test. so whilst she didnt admit liability but she was on wrong side of road passing a parked car late for school pickup etc, he pretty much has by wanting to not go thru company. parkers give 1350 trade for a v reg, want me to subscribe for old regs. i reckon it'll be about a grand for trade maybe. strikes me, again!, that if i go private unless squeeze more out of em wont get courtesy car. as it is assessor authed to start job so only thing is want to go away at weekend with 'van so will need to defer work. help will i get stung trying to help 'em or just recommend a course of advanced driving lessons. __________________ M6YTB / 20YTB '60' 2010 Ford C Max Zetec 1.6i, black '56' 2006 Jeep Grand Cherokee 3.0TD, silver 2021 Bailey Pegasus Grade SE Turin caravan Smile, its more likely to confuse. One Life, Don't Just Live It, Drive a Nissan, or ...... a Jeep. Owner of Nissan 4x4s 2005 to 2019, and maybe in the future too!

04-03-2009, 21:35	#4
Deleted Member S Senior Member Join Date: Jun 2007 Posts: 2,711	They will always give you the lowest offer first, but once you tell them all the work you've not long done on it & their offer is far to low they will get back to you with a better priceonce your happy with there offer just ask them how much it'll be for you to buy the T2 back off themif it seems silly money to you then you can just take your money, but if it seems a fair price & you or you can get it fixed with the difference in money you'll get back & hopefully some spare change then you have that option

04-03-2009, 22:03	#6
Thomas-the-Terrano2 Moderator Join Date: Dec 2004 Location: Hackenthorpe Sheffield Vehicle: Terrano2 R20 lwb 2.7TDi Posts: 5,234	thanks for that, sounds messy when if they say repair heres a loan car think also said loan til written off. think will mention to insurance that they want to settle but could leave me high an dry when pull out. insurer said was knock for knock unless they admit it but thats if their insurer does really isnt it and they are more likely to fight for equals. typical no witness, shame as a friend does live almost opposite site. if shes on first year then what can she expect premium to rise by, r reg citreon xzara versus paying me off. whats in it for me, well mrs as its her car and a bus for her business, nope think she'll have to bite bullet next renewal either way and we get temp wheels and either a repair or a new'un. funny really was looking at alternative motors, same or bigger, t2, patrol, shogun, 'cruiser...with side bull bars?.. __________________ M6YTB / 20YTB '60' 2010 Ford C Max Zetec 1.6i, black '56' 2006 Jeep Grand Cherokee 3.0TD, silver 2021 Bailey Pegasus Grade SE Turin caravan Smile, its more likely to confuse. One Life, Don't Just Live It, Drive a Nissan, or ...... a Jeep. Owner of Nissan 4x4s 2005 to 2019, and maybe in the future too!

04-03-2009, 21:18	#2
Deleted Member S Senior Member Join Date: Jun 2007 Posts: 2,711	TBH if that happened to me I would get the best price off the insurance company (I always reject their 1st couple of offers) & then buy it back off them for prob £500 the end result is you can have your motor fixed & some cash in your pocket

04-03-2009, 21:49	#5
lacroupade Senior Member Join Date: Jan 2009 Location: All hail to the Glove of Love... Posts: 9,212	I don't think theres anything in it for you either way ... If you go the insurance route, a quid says after the event she will claim it wasn't her fault but the nasty 4x4 and, with no witnesses you will end up with a knock for knock and a claim history against you. All you will get in those circumstances is a reasonable market value for your truck LESS your excess. And in that situation whats the point of buying the car back as well? You've still got to get it repaired and that sounds like at least £200 per panel's worth of damage with beating and paint - at least! So you would get £800 for a £1000 truck, less the cost of buying it back (£400 minimum?) = £400, less the cost of repairing it, say £600 at absolute rock bottom = minus £200!!, and thats the best picture - plus of course your claim history.... On the other hand, if he settles privately, what can you get out of him? You need at least the repair costs and car hire just to break even and that could easily amount to more than£1000... I guess you need to put that together with a bit more thought than I did, front him up with a number and see what he says, but I suspect you'll end up going the insurance route (hopefully your NCB is protected?) in which case, in a knock for knock, you may well be out of pocket for your excess....if not, then at least you break even (car hire notwithstanding if your policy doesn't provide it). Best bet is to try and provide best evidence of her liability - be objective; overtaking a car doesn't necessarily put her totally in the wrong...good luck! Rock and a hard place springs to mind...

04-03-2009, 22:17	#7
zippy656 Senior Member Join Date: Aug 2008 Location: Devizes Wiltshire Vehicle: Nissan Note Ntec 1.5 Posts: 14,138	not sure but what about buy back then break the car, every thing else is ok still?? not sure what one in bits is really worth tough

04-03-2009, 22:49	#8
lacroupade Senior Member Join Date: Jan 2009 Location: All hail to the Glove of Love... Posts: 9,212	I think your best bet is try for the most economical repair you can find within reason and see if they will pay for that. Its an older truck so its not the end of the world if its not a rolls royce job, but no reason you shouldn't have it back as close to how it was as possible. Not sure if or how she'd get loaded; quite possible she will just stick at her zero NCB level, so no real penalty to her as such, but they may not know or think that, so play on it. I'd try being very nice and play on their fears that she will get loaded....and one thing, the more they go down that road the closer they get to admitting liability, even if only by their behaviour in trying to settle off the record.....the worst case you can pursue them through small claims court - it isn't difficult and it only costs about £25....you can do it online and the beauty is nobody can get stung with any other costs, solicitors or otherwise...so if you can, try and out stuff in writing and get a written response....be nice and polite to avoid getting them on the offensive...