|
||
|
16th September 2019, 17:58 | #11 | |
Gets stuck in
MG ZT-T Join Date: Feb 2017
Location: St Albans
Posts: 855
Thanks: 69
Thanked 236 Times in 172 Posts
|
Quote:
If we could value our cars by what we spend on them rather than what someone else would pay life would be a lot easier. Not much different to paying £20k for example for a new car. Right it off a year later and the payout would be the dealer trade in price (I assume - no personal experience).
__________________
• This vehicle was the 8,186th ZT-T to run off the production line, out of 8,249 • This vehicle was the 1,723rd ZT-T 190 + to be made out of 1,756 • This vehicle was the 149th ZT-T in Mica Blue (Ignition) (code: JGY) to be made out of 160 Mica Blue (Ignition) ZT-Ts |
|
16th September 2019, 18:20 | #12 |
This is my second home
Join Date: Jul 2014
Posts: 5,428
Thanks: 3,123
Thanked 3,170 Times in 2,096 Posts
|
Very good point about the parts - as soon they are fitted they make not a jot of difference to the value of the car. Sad but true.
Where a well maintained car DOES have more value is in its resale value. So with old cars the only option is agreed value - but that would not really suit me as I use my car every day. It’s economical, reliable and fun to drive. I only pay about £230 pa fully comp - and that is with a good company- my broker will not deal with those companies with a bad claims paying record. If an independent broker recommends a company - they really don’t want to have to explain to customers why that company is useless when it comes to the crunch point! There is a reason why these scam companies are the cheapest - it’s because they don’t want to ever pay out even for a perfectly valid claim. All you get from these scam artists is a bit of paper making it legal for you to drive. Don’t expect them to be helpful, responsive or behave ethically if you need to claim. Last edited by Darcydog; 16th September 2019 at 18:24.. |
17th September 2019, 07:21 | #13 | |
This is my second home
4X4 Join Date: Jul 2010
Location: Nairobi
Posts: 20,064
Thanks: 8,286
Thanked 7,017 Times in 4,160 Posts
|
Quote:
|
|
17th September 2019, 10:02 | #14 | ||||
Posted a thing or two
Rover 75 Saloon Join Date: Apr 2019
Location: Under the car
Posts: 1,840
Thanks: 210
Thanked 244 Times in 221 Posts
|
Quote:
Quote:
Quote:
Quote:
Vossy - value £1,100 (premium £218) Darcydog - value??? (premium £230) Gate Keeper value £3,000 (premium £325) My quote - value £395 (premium £136 if I bought the insurance) Those are wildly different valuations. What would each company pay out in the event of a prang that cost (say) £500 in parts? Condition of the car does not appear on any website I've tried. Mileage of the car does not appear either. So if a complete refurb makes no difference and the car's mileage makes no difference, what does? This box is on one of the big two comparison sites but the figure entered appears to make no difference to the results - I tried it twice (£1,500 & £3,500) and got the same quotes. So the box is pointless. |
||||
17th September 2019, 12:46 | #15 |
Why? ...
MG ZT+ Cdti Auto saloon. Join Date: Jul 2014
Location: Blockeswich, South Staffs
Posts: 1,549
Thanks: 173
Thanked 483 Times in 330 Posts
|
|
17th September 2019, 12:54 | #16 |
Gets stuck in
None at the moment Join Date: Jan 2018
Location: Hereford
Posts: 501
Thanks: 1
Thanked 165 Times in 146 Posts
|
I have my 53 plate Rover 45 insured with https://www.classiclineinsurance.co.uk/
But I agree with others, at the end of the day a car is only worth what someone will pay for it, however much has been spent maintaining it. Last edited by RoverP480; 17th September 2019 at 12:57.. |
17th September 2019, 15:09 | #17 | ||
Posted a thing or two
Rover 75 Saloon Join Date: Apr 2019
Location: Under the car
Posts: 1,840
Thanks: 210
Thanked 244 Times in 221 Posts
|
Quote:
Quote:
Comparison websites ask you for your own valuation then the results ignore it completely. I'll take a look at classicline - thanks. |
||
17th September 2019, 15:23 | #18 | |
This is my second home
4X4 Join Date: Jul 2010
Location: Nairobi
Posts: 20,064
Thanks: 8,286
Thanked 7,017 Times in 4,160 Posts
|
Quote:
Have you thought about upgrading the immobiliser, installing a tracker and dash cameras? I gather the insurance companies give a discount for doing so. When you have made your decision, please let us know the outcome. Another thing you can do, if I may suggest, is to check the customer reviews per insurance company on trustpilot reviews. https://uk.trustpilot.com/review/pet...nsurance.co.uk https://uk.trustpilot.com/review/aplan.co.uk |
|
17th September 2019, 15:52 | #19 | |
This is my second home
MG ZT CDTi Join Date: Jan 2014
Location: carrick
Posts: 7,859
Thanks: 3,494
Thanked 2,657 Times in 1,973 Posts
|
Quote:
If you want an agreed value, you will have to pay a little more for it. Sent from my SM-A600FN using Tapatalk
__________________
It is not gloss primer .............. it is duct tape silver! |
|
17th September 2019, 16:29 | #20 |
Posted a thing or two
Rover 75 CDTi Saloon & Citroen C1 Join Date: Jun 2016
Location: Oakenshaw, Near Bradford
Posts: 1,622
Thanks: 385
Thanked 552 Times in 328 Posts
|
Whatever you say it's worth won't matter with a normal policy.
Agreed value insurance is too restrictive for my liking. I want to drive my car not look at it. You just have to hope you never have to claim. This is the main reason cars get written off, it's a big risk. Even fitting 4 new tires could be more than its worth in a write off situation.
__________________
Rover 75 2.0 CDTi (131Ps) Conn SE Saloon. (Manual) 160 Remap, cruise control, electric window blind, temp gauge, Real walnut / ZT interior, FBH with GSM control. BORN Tuesday, 5th October 2004 @ 12:35:52 This vehicle was the 104,679th 75 to run off the production line, out of 112,381 This vehicle was the 3,318th 75 CDT Connoisseur SE (135) to be made out of 4,744 This vehicle was the 12,440th 75 in Starlight Silver (code: MBB) to be made out of 14,280 Starlight Silver 75s |
|
|