FL2 now a 'total loss'...what is the process for buying back?

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Buel10

Active Member
Posts
232
Location
Wrexham
Hi all.

On another thread I have detailed how I had a hit and run (albeit a slow one) an my beloved FL2 has today been deemed a write off. I am keep to get it back and possibly get it repaired (alternator belt went and wouldn't start but would turn over quick so possible timing issue if belt got caught up in timing belt).
However, I spoke to the insurance company and they said that I will have to pay a salvage fee etc etc so not expecting the full amount of the value back.....can anyone give me a rough idea of how this process works, please? What are the costs usually?
 
Claiming from your own insurance I presume.
You can have money in lui of repairs maybe, then It doesn't get written off.
Or withdraw the claim, ok you get nothing but you will keep your Freelander.
Repairer doesn't want the job and priced accordingly I imagine.
 
Process is they write it oft and give you money. You lose the car. If you want the car then tell them (insurance) quickly. They will want to reduce the amount they pay you, because you get the car back.

The car will be valued by the industry for what scrapoers will pay for it. Demand for second hand parts etc.
 
Thanks for that.
Update - I managed to get them to up their offer from £2010 to £2222 and it'll cost £500 to get it back so have gone for that option and am hoping the engine will not be ruined 👍🏼
 
Find out what catagory marker they put on it. It should be a financial write oft as opposed to beyond repair crash damage, because of the extent of damage. Sometimes the catagory can make a car valueless for resale or difficult to insure.

Well done for saving a FL. :)
 
Update:
FL arrived back with dead battery, headlamps in boot and 'NAD' written all over it to identify damage prior to incident.
Garage who assessed sent out someone to put headlamps back and clean writing but won't replace battery.
Found out just now that a new battery is £212?? Wow.

I was under the impression that the insurer was to provide the FL back in the state it was before it left?

P.S. The contractor (not the garage who assessed it) who delivered it back left two big gouges in the tarmac outside the house!!
 
Buel10 said:
Found out just now that a new battery is £212??
Click to expand...
Look for a price on a Yuasa battery - good quality. Don’t skimp on the power though - FL’s need lots.


Buel10 said:
I was under the impression that the insurer was to provide the FL back in the state it was before it left?
Click to expand...
They did - either your battery just needs a charge - which you can do, or it’s knackered, and therefore it was knackered before it left! If it’s older than 4 or 5 years, it needs a new one defo.


Buel10 said:
P.S. The contractor (not the garage who assessed it) who delivered it back left two big gouges in the tarmac outside the house
Click to expand...
Get photos and report it. I’d go direct to your insurance, as everyone is acting on their behalf I imagine, and ask for it to be repaired.
 
Thanks for this.
Battery was absolutely great and about a year old (can't find receipt). They said that they had to use battery packs on it twice which I believe is detrimental?

Re power when buying a new one - could you advise further, please? Not just a case of giving them my reg number? Will ask for Yuasa!

Re 'They did', the missing headlamps and writing on bodywork would certainly allow me to say that they didn't 😁

Tarmac - thanks for that. The passing the buck has already started but I am trying to drag the insurance company back to the fact that it is their responsibility.
 
Buel10 said:
Re 'They did', the missing headlamps and writing on bodywork would certainly allow me to say that they didn't 😁
Click to expand...
… but they sorted that for you.

Try and argue for the battery - but you’d need the receipt I guess.


Buel10 said:
Re power when buying a new one - could you advise further, please? Not just a case of giving them my reg number? Will ask for Yuasa!
Click to expand...
Yes - but there will be a few options. Get the best you can (cranking amps etc.)
 
Interesting reply from the garage which shows an interesting viewpoint from within the insurance company...

Just for clarity We have contacted AGEAS Insurance, and their response as follows;



“As the vehicle is a total loss that the customer has retained, we are not willing to deal with any issues the PH has raised with the battery, chips etc.

I am not 100% sure if the customer is aware of this, but please don’t do anything more.

Remember it was the customer’s choice to have his total loss vehicle back, but it is still a total loss.”
 
Buel10 said:
Interesting reply from the garage which shows an interesting viewpoint from within the insurance company...

Just for clarity We have contacted AGEAS Insurance, and their response as follows;



“As the vehicle is a total loss that the customer has retained, we are not willing to deal with any issues the PH has raised with the battery, chips etc.

I am not 100% sure if the customer is aware of this, but please don’t do anything more.

Remember it was the customer’s choice to have his total loss vehicle back, but it is still a total loss.”
Click to expand...

Ooof.
I’d now be asking to have a chat with a ‘manager’ at the insurance company.

Good luck
 
You have made a claim and got yer car back. That's it over. Part of the work they have done to assess the vehicle may include taking it apart. Put the battery on charge. Buy some tarmac pot hole filler if you want the holes filled. If it’s in the road the council may fill them but don’t tell them how they appeared. The more you claim on yer insurance the more it will cost you in the future.

The garage and insurance see it as a write oft. They won’t do any work on it as they’re not being paid to. Time to move on and look at getting the car repaired.
 
You have made a claim and got yer car back. That's it over.
No mate, it doesn't work like that. The insurance's job is to put you back to where you were before the accident - headlamps missing, writing on car, buggered battery and holes in neighbours' tarmac is not that, is it!!

Buy some tarmac pot hole filler if you want the holes filled. If it’s in the road the council may fill them but don’t tell them how they appeared.
Unfortunately, again, it doesn't work like that, it's not a council road and now the neighbours' have a **** filled in hole outside their house that wasn't there before. Not their fault and not mine. That's not being grumpy, fussy or anything else, just fact.

The more you claim on yer insurance the more it will cost you in the future.
Not strictly true, plus this wouldn't be a claim on the insurance, it comes from them on this issue, not part of the claim.
 
Buel10 said:
You have made a claim and got yer car back. That's it over.
No mate, it doesn't work like that. The insurance's job is to put you back to where you were before the accident - headlamps missing, writing on car, buggered battery and holes in neighbours' tarmac is not that, is it!!

Buy some tarmac pot hole filler if you want the holes filled. If it’s in the road the council may fill them but don’t tell them how they appeared.
Unfortunately, again, it doesn't work like that, it's not a council road and now the neighbours' have a **** filled in hole outside their house that wasn't there before. Not their fault and not mine. That's not being grumpy, fussy or anything else, just fact.

The more you claim on yer insurance the more it will cost you in the future.
Not strictly true, plus this wouldn't be a claim on the insurance, it comes from them on this issue, not part of the claim.
Click to expand...
The car was wrote off. They planned to scrap it. Did they agree its condition would as per when it was crashed, when returned to you? Its not always easy to put a crashed car on a recovery truck without further damage. They have to provide their service with reasonable care and in a professional way.

I agree its for the insurance to put you back where you were. But you chose to reduce the money they were willing to pay out, in exchange for the crashed car back. Hence you have chosen a different route to what they offered. You are not where you were before as you have opted out of that agreement.

Flat batteries can be charged. Check the level in it. Only top up after charging if its low.

On cost... anything they pay out on a claim is totalled up as the cost of the claim. Higher costs means higher risk. They will book all costs to yer claim.

Best of luck with it.
 
Hippo said:
The car was wrote off. They planned to scrap it. Did they agree its condition would as per when it was crashed, when returned to you? Its not always easy to put a crashed car on a recovery truck without further damage. They have to provide their service with reasonable care and in a professional way.

I agree its for the insurance to put you back where you were. But you chose to reduce the money they were willing to pay out, in exchange for the crashed car back. Hence you have chosen a different route to what they offered. You are not where you were before as you have opted out of that agreement.

Flat batteries can be charged. Check the level in it. Only top up after charging if its low.

On cost... anything they pay out on a claim is totalled up as the cost of the claim. Higher costs means higher risk. They will book all costs to yer claim.

Best of luck with it.
Click to expand...
Its not always easy to put a crashed car on a recovery truck without further damage.
Yes, that's a good point, actually.
 
freelance said:
Your insurance ended when you took possession of their payout to you, after that any damage is between you and delivery co
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I’d of thought technically it didn’t end until he received the payment AND the car (in lieu of some of the payment)?
The car + the payment formed the agreed settlement.

Disclaimer - I’m no expert on the matter
 
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