The scales have been lifted from my eyes

[lambert]

I know why insurance is so dear.
 
Last saturday my little mazda was backed into whilst parked up. Not a problem got details her insurance paying up.
 
But went to get a quote from a reputable repairer to replace my drivers door. £1117.11 !
 
 
Ok fine it's met silver bit of a git to match. But just out of curiosity i rang a scrap yard to price a door, £100 plus vat!
 
 
No wonder premiums are so high!

[Guardian.]

do you want a second hand door then?

[Drift]

They only fix it with new parts.
They also take into account admin and curtisy(spelling) cars.

They would more than likely write it off sell it again as cat C.

Some one would source cheaper parts and its back on the road again.

[lambert]

By rights it's not my car, it's my old dears(complicated don't ask). As such they are insistant on a new door despite my protestations of going wombleing for a recycled door.

If it were my truck i'd womble a door like i have my front wings and settle the claim for cash.

[Drift]

Its due to the gaurentee (more speling) its has to be industry standard.

Only thing you can do is let them write it off, pay out then buy it back cat c  :(

[lambert]

Sorry didn't say it's only 5 years old and is not being written off esure are paying as they accept full liability for their customers lack of observation. Our insurers whilst notified are not involved financially in the repair and our renewal is unaffected

[Drift]

Aha gotcha  

I think it still would have to be repaired to insures specs though.

[TDi90]

They would more than likely write it off sell it again as cat C.

thats what happend with my skoda.
i baught it off a garage in london who baught written off cars then fixed them and sold them on once they had been re categorized. got it well cheap!  8)
£3000 for a 54 plate skoda fabia with 15K miles on the clock  8)
chuffed.
Rob

[Range Rover Blues]

A bloke ran into Julie's TDI 3 weeks ago and he's wanting to pay out himself to save a claim on his insurance.  His bum must have fallen off when my mate rang him with the estimate, £2,700 :shock:

[carbore]

Also im sure repairers rip off insurance co's.

Ask for a quote for and say its not for insurance and quite often you pay less, provided you make it clear form the onset.

[drmike]

I had the idea that repairers these days are told where to buy parts, the insurer gets any discounts passed on to them, the insurer sets the hourly rate and there are book rates for almost all jobs.
There are exceptions to this but I think repairers here will agree that this is the system that the insurers try and impose. How the hell any repair shop makes money I don't know.
Get a quote for a private paint job - then see if you can find out what a main dealer will pay a paint shop for the same job. I am assured in the trade it's peanuts but for Joe public it's a big bill.
I am pretty sure that no-one is making big bucks doing insurance work.
Mike

[crazymac]

You're right there, one of my mates has a body shop, and all the insurance work is to set hours etc. they are TOLD how long they get to do the job!

And on top of that the insurance companies are trying to squeeze the little man out by telling the insured that they HAVE to take the car to one of their "approved" repairers.

Incidentally you don't!!! YOU decide where your car goes, and if the insurer says "you won't have a guarantee or a cutisy car" they are talking crap, the repairer will provide both!