barneykarl
Member
Registered: 29th Jul 06
Location: Stevenage
User status: Offline
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bad day my daughter just wrote off her car 206 went in the back of a clio also write off, I had to sort it all out, told her should have got a corsa, no injurys so she has learnt a lesson when its pissing down leave a big gap, I hope to pay for another clio to save her insurance about 2.5k by the look of things, oh well shit happens. 
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DannyB
Premium Member
Registered: 6th Feb 08
User status: Offline
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Fuck that, go through the insurance, that's why it's there, otherwise you might aswell of not insured it. Atleast she is ok, cars can be replaced anyway, people can't 
[Edited on 29-12-2009 by DannyB]
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am4nf
Member
Registered: 27th Jul 08
Location: South Ayrshire Drives: Corsa Sport
User status: Offline
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 your gona buy the other person another clio?
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Adam_B
Member
Registered: 13th Dec 00
Location: Lancashire
User status: Offline
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Insurance premium wont go up that much, just sort it through them
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steel
Member
Registered: 22nd Aug 09
Location: Southport/Liverpool
User status: Offline
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better off going through insurance.
if they don't like the new clio you've bought them (or faulty etc etc), you've opened up another set of bothers lol
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Tiger
Member
Registered: 12th Jun 01
Location: Leicestershire Drives:Astra VXR
User status: Offline
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My car was written off, it wasnt worth a lot mind you (£800), it didnt put my insurance up at all through some insureres.
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wakey1512
Member
Registered: 8th Apr 09
Location: Grimsby
User status: Offline
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i never went through insurance when i hit a saab 9-3, just paid monies directly to the woman and she got it fixed, insurance dont know and i keep my no claims which is critical at my age
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Tiger
Member
Registered: 12th Jun 01
Location: Leicestershire Drives:Astra VXR
User status: Offline
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But you dont lose all your no claims, I lost 2 years out of 6 so it barely changed my insurance..
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wakey1512
Member
Registered: 8th Apr 09
Location: Grimsby
User status: Offline
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different kettle of fish when you have no claims to lose, i have none and i would really like 1 year no claims next april.
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AndyCorsaSport
Member
Registered: 12th Feb 06
Location: Horsforth, West Yorkshire
User status: Offline
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What difference would a Corsa have made may i ask?
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chloe16v
Member
Registered: 29th Nov 07
Location: Rotherham
User status: Offline
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i wish she had hit the back of me if i would get a new car out of it 
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GF-91
Banned
Registered: 8th Jul 09
Location: Burnley!
User status: Offline
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quote:
Originally posted by AndyCorsaSport
What difference would a Corsa have made may i ask?
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barneykarl
Member
Registered: 29th Jul 06
Location: Stevenage
User status: Offline
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I mean give them in cash the value of there clio in full and final payment for there loss, I do not want my daughters insurance to be blemished ,I have phoned them to inform of the accident,this will cost more than the book value that they will be offered by the insurance but i think this is the way to go in the long run,as for the 206 versus corsa I think the corsa would have faired better than the 206 as for the clio they must be made out of rice paper looked like it had been hit by an artic, could be worse was just going to buy her some 16" alloys for the motor, for sale unused new haynes manual. 
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pow
Premium Member
Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
User status: Offline
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SO you've told them shes had an accident?
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barneykarl
Member
Registered: 29th Jul 06
Location: Stevenage
User status: Offline
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of course, old bill and ambulance attended etc etc , also you have to inform your insurance company with this ammount of damage , daughter is only TPFT so she has cost me a fair wedge, car was mint only 30k shame but main thing is she is ok.
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djgritt
Premium Member
Registered: 1st Nov 07
Location: Dorset Drives: Focus ST / Hyundai i20N
User status: Offline
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The reason a 206 would look like it hasn't coped well is more advanced crumple zones than a Corsa.
If she has smashed it that bad to do more damage than that, she must have been going some...
And, if you don't want her insurance to be tainted, let her deal with it herself. You didn't run into the Clio.
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Neo
Member
Registered: 20th Feb 07
Location: Essex
User status: Offline
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quote:
Originally posted by barneykarl
of course, old bill and ambulance attended etc etc , also you have to inform your insurance company with this ammount of damage , daughter is only TPFT so she has cost me a fair wedge, car was mint only 30k shame but main thing is she is ok.
TBH if you have told them it'll already be more than likely against her name on the database whether she claims or not.
To be completely honest, It shouldnt increase the premium by 2.5k over 5 years ! Your better off going through insurance and getting what you pay for.
A member on here wrote off his car and it barely affected the premium (afaik at fault claim and written off) so your more than likely to get away from this fairly unhurt in the pocket.
Also would be interesting to find out if the other car has insurance rather than you just giving them a bundle of cash tbh
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Cosmo
Member
Registered: 29th Mar 01
Location: Im the real one!
User status: Offline
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If they know about the accident then get them to pay out for everything.
The only point of covering the cost is if you dont tell the insurance at all.
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barneykarl
Member
Registered: 29th Jul 06
Location: Stevenage
User status: Offline
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Thanks for your thoughts on this everyone, I will think again about what way to go on this ,going to get another car in a couple of weeks but she does not want another 206 and no way a clio maybe a polo, must have abs whatever she gets.
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Tiger
Member
Registered: 12th Jun 01
Location: Leicestershire Drives:Astra VXR
User status: Offline
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quote:
Originally posted by Neo
A member on here wrote off his car and it barely affected the premium (afaik at fault claim and written off) so your more than likely to get away from this fairly unhurt in the pocket.
Yeah that was me, My car was written off (Value £800) + damage to other car, which wasnt that major really though, it stripped me of 2 years no claims but then getting a quote from another company and they came up with a price that was only very slightly more expensive than my original insurance price.
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Tiger
Member
Registered: 12th Jun 01
Location: Leicestershire Drives:Astra VXR
User status: Offline
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quote:
Originally posted by barneykarl
I mean give them in cash the value of there clio in full and final payment for there loss
What if they dispute the amount their car was worth, then add a grand on for loss of earnings / inconvenience? I know if someone wrote my car off, then offered to pay for car and damages in cash, i'd take them to the cleaners for being so daft to even consider it.
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Tiger
Member
Registered: 12th Jun 01
Location: Leicestershire Drives:Astra VXR
User status: Offline
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quote:
Originally posted by barneykarl
she does not want another 206 and no way a clio maybe a polo, must have abs whatever she gets.
Most french cars don't stand much impact. More so than ABS, don't scrimp on cheap budget tyres, they arent worth the paper the receipt is printed on.
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Neo
Member
Registered: 20th Feb 07
Location: Essex
User status: Offline
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quote:
Originally posted by Tiger
quote:
Originally posted by Neo
A member on here wrote off his car and it barely affected the premium (afaik at fault claim and written off) so your more than likely to get away from this fairly unhurt in the pocket.
Yeah that was me, My car was written off (Value £800) + damage to other car, which wasnt that major really though, it stripped me of 2 years no claims but then getting a quote from another company and they came up with a price that was only very slightly more expensive than my original insurance price.
You werent in my mind at all however your another case so does prove the point that the price hike is somewhat over hyped
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Sportycorsa86
Member
Registered: 10th Dec 07
Location: hertfordshire ( cheshunt)
User status: Offline
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Its part of a learning curve for her mate!
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barneykarl
Member
Registered: 29th Jul 06
Location: Stevenage
User status: Offline
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Well she has got another 206 could not find a polo we liked, picking it up tomorrow 02 plate with 17" alloys fitted already and a few other nice bits, going to go the insurance route on her crashed one, I hope she does not wreck this one bloody kids. 
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