My frs-a write off
13-01-2009, 05:57 PM
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My frs-a write off
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
13-01-2009, 06:05 PM
#2
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
To be honest, unless youve got an agreed valuation, you'll only get the book price plus a bit.
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13-01-2009, 06:38 PM
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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......
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......
13-01-2009, 07:00 PM
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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?
13-01-2009, 07:15 PM
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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 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
13-01-2009, 07:20 PM
#14
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 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
)ps, i have a nice FRS for sale
13-01-2009, 07:28 PM
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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
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
13-01-2009, 07:38 PM
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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.
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.
13-01-2009, 11:37 PM
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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
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
14-01-2009, 09:18 AM
#21
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
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
14-01-2009, 06:19 PM
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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.
Ben i will release the build number as soon as i get her back as i cant be 100% what it was.
14-01-2009, 06:57 PM
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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
Thanks Joe
14-01-2009, 10:13 PM
#26
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.
Ben i will release the build number as soon as i get her back as i cant be 100% what it was.
apologize for them lot the get a bit excited hehe
14-01-2009, 10:28 PM
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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
cheers
dunc
30-01-2009, 06:19 PM
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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
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 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
30-01-2009, 07:47 PM
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That goes as far as rubber gaskets for the FRS inlet manifold & key suspension parts like the knuckles as well as other bits
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