Help needed - Insurance

[theorangeperil]

I need some opinions please. I have had my 86 924S for three years in August and loved every minute of it as my daily driver. Fed up with depreciation on newer cars, this car came up locally to me and for the price I thought it was worth a try.

The car had one owner until 2004, it has 22 main dealer stamps, and a massive history file. The owner used to write to the dealer before and after every service or checkup. Since 2004 it has been serviced by specialists, the last 3 years at RPM in Cheddington, Herts.

I bought the car in 2008 and had the front seats retrimed by Southbound as the bases had splits between the fabric insert and the leatherette. Apart from that the interior is in excellent condition with an unsplit dash, roof bag, full toolkit and unused original spare. The car is in an unusual Copenhagen Blue with Tan interior. This car is very original. The mileage is 168,000 fully documented, but drives beautifully, even Ollie at RPM was amazed how nicely she goes.

In 2009 I had a major service at RPM spending about £1400+ on all belts, front oils seals, gearbox oils change and a load of other stuff I just wanted doing as the car was new.

The problem I have is on the 27th June someone went into the back of the car in very slow moving traffic <10mph. The damage is cosmetic, the tip of the stainless exhaust has a slight kink. The rear bumper needs some adjustment and a bit of paint, being fussy. Back on the road to work within half an hour I was sideswiped by a Royal Mail van leaving a roundabout, damaging the front wing just ahead of the wheel arch, again just cosmetic damage.
:twisted:
My problem is the quote has come in for the two repairs at £900 for the first and £1300 for the second at an approved repairer who normally repairs Ferrari and Bentleys. You can see where this is going...
I think the insurer will be wanting to write the car off, and am awaiting a call from Aviva. My insurance's legal advice department say I should prepare for the call by having a figure in mind for what I would accept and whether I would want to buy the salvage.
I think during the original quotation stage with my insurer I might have said the car was worth £2000. The car is definitely above average and I would say it would be a crime if it was written off.
Does anyone have any advice?
Peter

 

[CarreraRSR]

So the third parties insurance company have a choice, pay for repairs or write off the car. £1300 for repairs or their view on its write off value. They will aim low circa £500 but hold out. As it wasn't your fault you should stand firm and tell them you want the car repaired at a repairer of your choice and a write off is totally unacceptable. Sounds like it could be a long and drawn out process. Never take their low offers, hold out for your choice of outcome. Good luck.

 

[944 man]

You dont have a great deal of influence over your own insurer, although if you take their payment you may have the right to retain the salvage; although write-off categorisation is likely (maybe even as a 'C', just because its a Porsche).

However if you proceed against the other partys insurers then they have to pay to mend the car and they cant simply tell you that its a write-off and expect you to accept their offer.


Simon