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mgrover



Member Since: 03 May 2020
Location: Leeds
Posts: 399

United Kingdom 2011 Range Rover Vogue TDV8 Santorini Black
Making an insurance claim

So unfortunately some drunk dickhead last night crashed into a car behind my beloved parked RR and that went into the back of my RR.

After some disassembly this morning the damage is as follows:

    bumper and sensors need replacing,

    the bar behind needs replacing since the bumper locating tabs are all bent funny but am sure I could unbend them

    tailgate was slightly dented


not bad in the grand scheme imo, the car took it like a champ and proved the parking brake bedding in procedure worked perfectly because it hardly moved an inch.

the problem is now if I go to the insurance and make a claim, do we think they'll write the car off? its at best a 10k car and thats being generous. ive also recently refurbed all the rear mechnical bits outside of the diff. a lot of time/effort/money that I won't be getting back.

so really is it worth the claim which ends up in my premiums going up or shall I just ring around a few breakers and see if they can provide what I need? Its actually a sport Sad

Not anymore, 4.4 TDV8 now Very Happy

Post #694529 16th Jun 2024 9:04am
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GrumpyPenguin



Member Since: 06 Mar 2024
Location: Thanet, Kent
Posts: 30

United Kingdom 

Personally I would look at the costs of a DIY/no claim repair.

Even a "no fault" claim thesedays counts against you at renewal time & RR's are getting more & more expensive to insure (if you can get them insured at all).

Post #694532 16th Jun 2024 9:22am
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AndyRoo



Member Since: 06 Dec 2023
Location: Gloucester
Posts: 543

Scotland 2012 Range Rover Westminster TDV8 Fuji White

Personally I'd fix it myself, if none of the chassis rails were bent or damaged, they are designed to crumple in servere impacts.

Just looking on fleabay just now, a number of rear bumper shells available with or without sensors under £150. If you're lucky you might find one in the same colour,

The bumper plates themselves you'll need to straighten carefully, or you could also just buy a replacement from a breakers.

Tailgate, depends on the damage, it could knock out or fill, or again, replacements from breakers easy to find.

If you're lucky, you could get the lot for under £400, don't know what your excess might be but likely to be around the same plus you may lose your no claims which will be much worse.

If you can get the person who hit you to cough up cash, say a grand, then you could actually be quids in.

So do yourself, not too much and only a few hours work. Fuji White / Jet 2012 4.4 TDV8 Westminster

Post #694533 16th Jun 2024 9:23am
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mgrover



Member Since: 03 May 2020
Location: Leeds
Posts: 399

United Kingdom 2011 Range Rover Vogue TDV8 Santorini Black

yeah am leaning towards doing it myself.

my tailgate and upper boot lid need doing anyway from rust so this is kinda the perfect excuse.

i completely forgot about the no claims thing as well

think ill just go that way.

the person themselves made it fairly clear they are in no position to pay for anything so no banking on that. Its actually a sport Sad

Not anymore, 4.4 TDV8 now Very Happy

Post #694535 16th Jun 2024 9:49am
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Mikey



Member Since: 10 Jan 2008
Location: Dundee
Posts: 1750

Scotland 

A vite for insurance here



This was £9,500 to repair Shocked

Post #694538 16th Jun 2024 11:06am
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mgrover



Member Since: 03 May 2020
Location: Leeds
Posts: 399

United Kingdom 2011 Range Rover Vogue TDV8 Santorini Black

Christ. I take it control arms and what not must have been damaged as well?

If breakers can get me what I need then it shouldn't be too bad Its actually a sport Sad

Not anymore, 4.4 TDV8 now Very Happy

Post #694539 16th Jun 2024 11:10am
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RRV8SC



Member Since: 02 Oct 2021
Location: SW London
Posts: 176

United Kingdom 2015 Range Rover Autobiography 5.0 SC V8 Santorini Black

Mikey wrote:
A vite for insurance here



This was £9,500 to repair Shocked


Crikey, assuming the car is 14 years old, did it get written off?

Post #694541 16th Jun 2024 12:22pm
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Mikey



Member Since: 10 Jan 2008
Location: Dundee
Posts: 1750

Scotland 

Cat N write off. Nothing structural or suspension damaged. Purely cosmetic

Bumper, headlight, bonnet, wing, slam panel, fog light, washer bottle, park sensors + wiring, hidden plastics, paint cost, labour

It's not long in adding up

Insurance paid out £8700 and I kept the car for salvage/repair Thumbs Up

Post #694544 16th Jun 2024 1:08pm
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AndyRoo



Member Since: 06 Dec 2023
Location: Gloucester
Posts: 543

Scotland 2012 Range Rover Westminster TDV8 Fuji White

Yeah, once you add up original parts and labour costs it soon mounts to stupid money.

As long as there's no chassis damage or twist which will ramp up costs massively if jig time needed, and your reasonably good on the tools you can source used parts and do the job for a fraction of the cost, then you just need to fork out for Pro Paint at the end.

I'm not sure how you get the Insurance CAT lifted though, perhaps it stays with the car records, but if you intend keeping the car then don't suppose it matters till you come to sell it.

Check out "not economically viable" on You Tube. That guy rebuild his L322 and was in far worse condition. Fuji White / Jet 2012 4.4 TDV8 Westminster

Post #694559 16th Jun 2024 4:38pm
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mgrover



Member Since: 03 May 2020
Location: Leeds
Posts: 399

United Kingdom 2011 Range Rover Vogue TDV8 Santorini Black

My mate says I can get cash in lieu.

So I go LR, get a quote

Also get a quote for my M5, thankfully just a door respray.

Then ring his insurance and make a claim, avoids losing no claims and excess Its actually a sport Sad

Not anymore, 4.4 TDV8 now Very Happy

Post #694560 16th Jun 2024 4:48pm
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Alistair



Member Since: 11 Feb 2011
Location: Peterborough / Bordeaux / Andorra
Posts: 7923

United Kingdom 2013 Range Rover Vogue SE SDV8 Santorini Black

If it's going through his insurance, you will still need to declare it to your own - they will find out about it and it can still affect your future premiums.....

Post #694561 16th Jun 2024 4:58pm
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mgrover



Member Since: 03 May 2020
Location: Leeds
Posts: 399

United Kingdom 2011 Range Rover Vogue TDV8 Santorini Black

I was thinking same but works for directline

Said I'd have to add it to the info section but not as a claim so who knows Its actually a sport Sad

Not anymore, 4.4 TDV8 now Very Happy

Post #694563 16th Jun 2024 5:09pm
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Alistair



Member Since: 11 Feb 2011
Location: Peterborough / Bordeaux / Andorra
Posts: 7923

United Kingdom 2013 Range Rover Vogue SE SDV8 Santorini Black

When you come to renew yours, you'll be asked whether you have had any accidents or claims. Insurers share this type of information. I can't see how you can avoid declaring it once it's entered by another party.

An accident, even with no claim, can affect your premium, but it's a bit of a black art, so also may not.

Post #694564 16th Jun 2024 5:40pm
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mgrover



Member Since: 03 May 2020
Location: Leeds
Posts: 399

United Kingdom 2011 Range Rover Vogue TDV8 Santorini Black

Oh ama defo declare it. But we'll see what it all comes to. Its actually a sport Sad

Not anymore, 4.4 TDV8 now Very Happy

Post #694566 16th Jun 2024 5:54pm
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Alistair



Member Since: 11 Feb 2011
Location: Peterborough / Bordeaux / Andorra
Posts: 7923

United Kingdom 2013 Range Rover Vogue SE SDV8 Santorini Black

Good luck Thumbs Up

Post #694568 16th Jun 2024 6:11pm
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