After only 4 months of owning my rs ive gone and wrote her off-devastated would be an understatement..
Anyway i need to know how it works with insurance with these as i know the book price in horrific and horrendous-around 5-6k.
Mine was a minter,30k,ffsh etc will the insurance company bear this in mind? And how do they work it-will it go on "market value" or "book price"
If any1 has been in a similar situation with there rs or know of any1 that has- it would be massively appreciated if ya could let me know..
Thanks
Joe

 

Welcome to the madhouse first,

To be honest, unless youve got an agreed valuation, you'll only get the book price plus a bit.

 

Thats now what i want to hear.. has any1 got an idea how long these things take? There were no other cars involved..

 

Credit crunch and all that, upto six weeks for your ££££££.

 

ive had payouts in 2-3 weeks but another was 7 - 8 weeks. i still have claim on going just now from 2005...

 

where is the book price 5-6K maby a link as its gotta be more than that.

 

I would also ask if you have the option to buy the salvage back, they can sometimes be v cheap and break it.

 

Ive tried a few- there all around this price-
www.whatcar.co.uk
www.parkers.co.uk
www.glassguide.co.uk - £3.50 for this one.

Thanks for the help lads. Im hoping it shouldnt take to long as its fairly straight forward- I paid 11k for this car tho and i would be happy with 9-10k payout- i think this sounds fair if you look at the market......

 

your best off agreeing a low figure but have the car back and break it mate...

 

how bad is it u can insist on a repair

 

How lows-low? It makes sense buying the car back- but what would you say its worth as the front has a nasty V in it The n/s/f wheel is practically off. just a guess but maybe buy back 1k- sell 3k?

 

Marky its bad- Im quite confident they wont repair it- both airbags went. front looks really really nasty-bad dent to rear n/s 1/4

 

wait till they asess it mate, you'd be suprised what is repairable....

I got a really low offer on a rear end shunt (landrover in back of me) and I just sent the 3 highest autotrader listings for the same car and got £100 lower than the lowest of the 3, with no agreed value or anything on my car.

However you're claiming on your own insurance as 1 car incident so pushing for a high payout will push up your premiums, especially if your into fast fords.

Cheers
Dan

 

i know a few people who have valued their cars against the autotrader, sometimes the insurance take it as thats what cars are selling for, don't take the first offer they make you either (unless its really good )

ps, i have a nice FRS for sale

 

Really depends on the level of damage tbh & whether the car will be classed as cat d or worse c & frankly based on high value (and more importantly availablity) of some FRS parts, especially the body panels, a lot of insurers wont want to repair the car even if you insist tbh

A lot of FRS parts are now starting to go discon/no longer available from Ford & some are on very long back orders which may not even be fulfilled which is what insurer will consider dependent on level of damage

TBH with the market value on the FRS dropping you'd be better going for a payout but remember as with anything if you believe they are not offering a reasonable amount i.e £5k when car in current climate should be £9k/£10k value then its a case of argueing with them & in the end you will get to a compromise

With regards to buying the car back & breaking it this is really only worth doing if you have the space, time, knowledge & tools to do it right & then spend a large amount of your time listing all the items on ebay Also worth considering that dependent on level of damage, how much is actually salvedgable undamaged for resale @ a reasonable price

 

Yeah this sounds a lot better and more like it i think..
I just dont want them to ring and say theyve opened a book- it says your car is worth 6500 tops and basically thats, that.

 

the numbers of focus rs,s must be going down rapid now and alot a written of ones kicking about now .

theres at least one goes thru copart written off every week now .

 

6.5k and thats u buying the car back aswel?

 

your fked mate. to put it bluntly.

i did the same as you and they tried to rape me. just stand your ground mate and give the person foooookin HELL if he don't give you what you want. i did and it worked for me

 

Unlucky mate.

 

sad news matey could i ask for the following please?

Build number:

Date of registration: (date/month/year)

Date of purchase: (date/month/year)

we have got a register going on the RS owners club and trying to track down all of them! hope your back on the road soon

 

Seb could you give me some details of yours as in- what they first offered and how much they stretched?(recognise your name off the rs owners club site-would never let me post on there tho as i never set up a "propper" email address.

Ben i will release the build number as soon as i get her back as i cant be 100% what it was.

 

Young Ben-tell them f*ck*rs on rs owners club site im watching what they write on that site and im not a c*ck-who werent "respecting" his car-lol. I drive like a grandad but this wasnt a normal road-it was a slim ice rink..
Thanks Joe

 

Sorry for you mate, hope you get it sorted.

 

gutted for you mate

 

thankyou mate

apologize for them lot the get a bit excited hehe

 

Hi joe sorry to here about your focus but if i can help then please get in touch as i am the focus rs registrar for the RSOC and value cars ect for insurance reasons and might be able to help you out as i can talk to your insurance and give them guide lines ect

cheers
dunc

 

pm-ed ya dunc

 

pm-ed back

 

assuming its been assessed !-(insurance assessors)

 

every focus rs panel still shows up in ford as available i have just got hold of 1 rear quarter both bumpers 1front wing and the other quarter and wing are on back order and have been gauranted they are still available

hope you get sorted with your car mate

 

Well i hope for your sake you do get the items you have on backorder as there have been other people on the RSOC trying to obtain FRS parts on "backorder" and after a wait have found they are not available That goes as far as rubber gaskets for the FRS inlet manifold & key suspension parts like the knuckles as well as other bits

 

i hope so to mate but they have said they are deffo available il have to wait and see wot happens