Xantia vs. Lorrey...

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Xantidote
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Re: Xantia vs. Lorrey...

Post by Xantidote »

There's some good comments in this thread. It has highlighted the need to be aware and vigilant as we drive. Luckily Chlorate was unhurt, and we all are reminded of the potential risks and hazards whenever we venture out on the roads.
Martin

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Re: Xantia vs. Lorrey...

Post by Old-Guy »

Northern_Mike wrote:
Mandrake wrote:
On a car that age is anything above 3rd party insurance a waste of money ?
In theory, yes, but it's actually cheaper to insure my cars fully comp, so I do.
Yes - strange but true. It's all down to statistics, fully comp drivers have better accident records that those who only insure 3rd party. However, even if you're blameless, you'll only get the 'write-off value' of the car. This is racket as the so called 'value' is at best an average of auction prices, at worst an 'expert' (drip under pressure) opinion based on sucked teeth. Secondly, having paid out a 'value' that won't replace like-for-like, the insurer then sells the 'written-off' car for a nice tidy sum having recorded it at DVLA as a write-off (even if the damage is only cosmetic).
2011 Grand C4 Picasso VTR+ 1.6HDi in Kyanos Blue
1995 Xantia Estate SX 1.9TD in Vert Vega "The Green Lady" - after 11 years now owned by XanTom
1998 Xantia 2.1 VXD Estate in Mauritius Blue - R.I.P. (terminal tin-worm)
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Re: Xantia vs. Lorrey...

Post by Stickyfinger »

Old-Guy wrote:
Northern_Mike wrote:
Mandrake wrote:
On a car that age is anything above 3rd party insurance a waste of money ?
In theory, yes, but it's actually cheaper to insure my cars fully comp, so I do.
Yes - strange but true. It's all down to statistics, fully comp drivers have better accident records that those who only insure 3rd party. However, even if you're blameless, you'll only get the 'write-off value' of the car. This is racket as the so called 'value' is at best an average of auction prices, at worst an 'expert' (drip under pressure) opinion based on sucked teeth. Secondly, having paid out a 'value' that won't replace like-for-like, the insurer then sells the 'written-off' car for a nice tidy sum having recorded it at DVLA as a write-off (even if the damage is only cosmetic).
|This CAN BE challenged via the Ombudsman, documented works and good photos can make a difference...a friend pumped his value up by £800 on an Old Merc and was allowed to repair/re-reg it via DVLA and an inspection
Alasdair
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Re: Xantia vs. Lorrey...

Post by Northern_Mike »

Stickyfinger wrote:
Old-Guy wrote:
Northern_Mike wrote:
In theory, yes, but it's actually cheaper to insure my cars fully comp, so I do.
Yes - strange but true. It's all down to statistics, fully comp drivers have better accident records that those who only insure 3rd party. However, even if you're blameless, you'll only get the 'write-off value' of the car. This is racket as the so called 'value' is at best an average of auction prices, at worst an 'expert' (drip under pressure) opinion based on sucked teeth. Secondly, having paid out a 'value' that won't replace like-for-like, the insurer then sells the 'written-off' car for a nice tidy sum having recorded it at DVLA as a write-off (even if the damage is only cosmetic).
|This CAN BE challenged via the Ombudsman, documented works and good photos can make a difference...a friend pumped his value up by £800 on an Old Merc and was allowed to repair/re-reg it via DVLA and an inspection
When my Orion got nicked years ago, they offered me a paltry sum. I just kept saying no until they got really fed up and gave me a decent price.

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