1) maybe. sounds like a fair bit of work, but if it is a 55 reg like your sig suggests it might be a saver.
2) yes. lots more.
3) depends on the mileage, guess you havent got gap insurance?
4) bite the bullet and phone the insurance.

 

Agreed - this is going to be an expensive repair.

Insurance job

 

OK

So I guess now the question is, how likely is the repair place gonna be able to get the parts needed?

I'm assuming the biggest issue is gonna be the front bumper?

Car is on about 14500 miles - and I have no idea what gap insurance even is.

 

its a facelift, so I think arse ends were the hard bits to get hold of.

gap insurance will pay the difference between the amount of payout you get and the amount of finance you have remaining.

 

Gap insurance is something you take out when buying a car which covers the difference between the insurance value and a higher cost.

Usually it is either invoice value or outstanding finance value.

IIRC our invoice value gap insurance was about £85 for the 3 years when we bought ours.

 

I bought my car outright for a ridiculously cheap price - so I'm guessing that doesn't really apply then.

 

Of course it could have applied.

We bought ours outright for a discounted price, but should it have been written off 3 years later we would have got back all of the depreciation for the sake of £85 to go and buy another new car.

 

I see.

Oh well.

I'll remove all my crud from the car and give them a call.

Luckily after doing a couple of quotes it doesn't seem to have affected my premium massively.

Just gotta pray that they can fix it - or give me enough money to get me another one with the 180 kit.

 

Just remember - whether they repair it or write it off, you still have to pay the excess. If they write it off, then they will deduct the £400 from whatever figure they agree with you for the valuation. (i.e. if they offer £2000 and you accept, you'll get a cheque for £1600.)

If they do write it off, it will be a Cat C or Cat D, and if you ask the insurance company might sell it to you for a salvage price (usually 10%-30% of the valuation). Often worth asking, as if the salvage price is low enough, you can strip the car for parts and make a profit. Works better for them too, as they dont have the hassle of getting rid of the car.

 

With some policies, a total loss also results in the current policy being cancelled with the loss of the remaining premium. A nasty blow if you have only just renewed!

 

Unhappily, when my Focus was written off earlier this year, the insurance company I'm with (Co-op) do not allow insured to buy back the car. Happily, they didn't cancel the policy - told me "Just let us know when you have your replacement car and we'll issue new documents". Unhappily, I didn't have NCB protection (but I will have on next renewal) Happily, they only dropped it to 55%. Not bad considering it was my fault (well, I painted a bad picture of the wally I ran into - he was rubbernecking a broken-down car) Also, I had only a month previously renewed, so I was bricking it a bit. Perhaps a good reason for asking lots of questions when taking out insurance. My car and the wife's both with Co-op, also my lad's Mondeo hack. (His Evo, on the other hand, is with a specialist.) We've been with the Co-op for years, and they are very good. I got lent a car by the local Co-op body-shop right up till the day before I got the 45, and they didn't even have to as the Focus was a write-off. Good company.
Pete

 

My renewal is due end of September, so that's not so much of an issue.

Any rough ideas on what sorta money I'd be getting from a write-off?

I'm starting to get worried that I'm gonna have to get me a fiesta or something

 

I don't think it will be written off, if there is no damage to the chassis and the engine is still ok, i don't see why they would write it off as parts arn't that difficult to get, but it will depend on the insurance company, some would repair it some wont, give hem a call and see, and keep us updated with progress.

 

OK Guys having an issue here.

Have just been to go and put the OE headunit back in, and i've now reconnected the battery but the central locking/alarm doesn't seem to be working.

The light on the dash isn't flashing, the remote (either of my 2) don't work and when I lock the door with the key, only that door locks and nothing else happens.

I've checked fuse 1, and that's fine.

Could I have pulled something out that I shouldn't have behind the dash?

Anything I should try?

I've tried the remote button unlock 4 times and that's not done anything.

All the other electrics seem to work. Radio, clock, headlights, all seem to be fine. It's just the alarm system seems knackered.

 

Are ALL the earths still conneceted up?

 

ALL fuses OK?

 

As far as I know, yes. I only disconnected the one.

I've just gone and taken every fuse out and they're all OK.

Any other suggestions cos I'm starting to get really worried now.

Full symptoms are:

No central locking
No flashing light on dash
No courtesy light when doors are open (but still works if put on manually)
"lock all doors" button doesnt work.

 

Crisis over. Car wanted ignition to be turned to position 2, then the whole shebang started working again.

Didnt wanna do it at first in case something odd happened like it locked all the doors and set the alarm off or something.

Now it's back to the original worry of if I get to keep my car or not

 

Also, not sure if this is gonna make any difference, but the main rad isn't actually bent. At least along the main section of it. The aircon rad (the smaller black one?) is definately bent, but the main part of the main rad is still straight. Bumper doesn't look as bad as I thought.

 

this probably sounds a cheap shot since I am gutted to hear about the accident but if you do have it written off, I'm sure since it has the 180 kit, that peeps on here will but bits from it...me included so could make a fair bit back from that!

 

No, I don't have the 180 kit.

What I said was maybe if I get enough money from the writeoff, I'll get myself a TD or another 120 that does have the kit.

The whole breaking idea is another problem as I don't really know what I'm doing. And I don't have the time to be hacking bits off my poor car.

Ugh this sucks.

 

sleep on it.

 

I'm not sure what you mean?

Whats the decision I am making here?

 

I think he means don't worry about it untill you find out what the insurance company says. Phone them first thing tomorrow and see what they say.

If the worst come to the worst then there are a few 120+ with 180 bodykits on autotrader! :lol:

Seriously tho dont worry about till you know what needs doing.

 

Sorry to say that even with parts available, you'd be surprised what they will write off. The cost of labour is the killer. I dunno what your car is worth, but
don't rule it out.

I've seen cars scrapped for as little as a cracked bumper and headlight... this is why there's such a market now for buying salvage cars, as you can usually repair them yourself for peanuts.

 

Well, the car's been carted off today. It's out of my hands now. The guy at the garage seemed quite optimistic about it getting repaired.

Just gotta wait and see now.