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Van written off, advice needed.

Posted by matt evans on December 13, 2014 at 6:52am in Vehicles

Hi guys,

I have a wee bump my self today going to the farm, I hit a wall, fortunately the damage never stopped me driving the rest of the journey home, Down the one side is damaged:

Both front and rear door,

Wing, 

bonnet

bumper

wing mirror

My van is a 2001 transit tipper with 160k miles on the clock, looking like a write off???

Does any one know what im  likely to be offered, looking at other vans on autotrader i can see 2001 tippers going for £2000 to £3500 - Would I get offered that if it was written off?

Any advice would be great.

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  • Adam Pilgrim December 13, 2014 at 9:22am

    Hi Matt, in my experience of four years in the motor trade, sad to say your truck would be 'instantly written off' due to age and mileage - cost of repairs would out weigh market value. The insurance company will view it as an 'at fault accident' and will pay out the very lowest edge of market value less a percentage they think of.

    Depending on your insurance history (ie loosing all your no claims bonus etc), it may load your premium so much in the following years as not to make it worth claiming for the truck.

    In my mind, I would not be telling the insurance company, set right any damage to the wall out of my own pocket and scrap/break the truck for spares, ie sell good wheels and tyres on Ebay (make about £30-£40 each), remove and sell any good panels and scrap the rest.

    Alternatively find replacement panels/doors and get them sprayed and fitted - but be realistic if the rest of the truck is worth the effort.

    Probably not what you wanted to hear, but you might find claiming raises your premium for the next few years far higher than what your payout would be...

  • Paul Elby December 13, 2014 at 10:40am

    Someone hit me earlier this year while I was stopped. I had to fight for months with her insurance company to have my van repaired. It was newer and lower mileage than your one, and they only wanted to give a fraction (less than half) of every single advert I found for virtually identical vans being on sale. So I would have to agree with the others and say try and repair or break it yourself and not involve the robbers that are insurance companies.

  • Thermo December 13, 2014 at 4:49pm

    if you scrap it and the tipper is in good condition, be aware that they sell for a small fortune as a separate item

    • matt evans > Thermo December 13, 2014 at 6:06pm

      Thanks for the replys guys. I have a last week I put a deposit on a new van so I might go down the insurance route, I'll do my research and see what kind of offer they may give.

      Cheers

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