Youre right mate, we did mention about the courtesy car but didn't think about parts being on back order! I recognise the name on that first reply 😉..... ha ha
100% right….buy time cars fixed the cost of like you said….hire car….how long it takes to fix…cost of parts and paint….insurance just payout…crazy ain’t it
Did you refer him to Auxillis or Auto Exchange or any other credit hire company? That’s why it’s a write-off. The hire company would have put him in a “like for like” hire car. Even at GTA rates that’s £200 a day so 3 weeks while you wait for parts and do the work would be £4k. Add in the cost of repairs and you’re over the value of the car and so the cost of the claim becomes more than the value of the vehicle, the definition of a total loss.
Insurance companies have always done this - they have zero incentive to do things cheaply at all, as all the do is pass the cost on the consumer with higher insurance premiums, so they keep their profits nice and high for the shareholders. Some garages are also just as bad when they hear it's an "insurance job" the £signs just light up in their eyes. As you said it does make me much more likely to look at a Cat N and even a Cat S, I mean you guys already had me heading down that route with the standard you were working to but this has made me even more likely to actively go looking for a "Cat" car of some kind.
I think garage's have set pricing guidelines, I worked at one for a while so if a wing was damaged it'd be the cost on the wing plus a set 4 hours to paint and X amount of funds per hour, plus the cost of the paint. There's absolutely nothing wrong with a catorgorised car if you can see where the damage was and know its been repaired properly. Thank you for the compliment! A non catorgorised car could have been damaged worse than one that's been through the insurance, its all about being able to spot the tell tail signs and using a decent car checking app
I did the same had my car written off and bought it back. Got paid out £4k bought it back for £400 and cost £600 to fix. Also had £3.5k whiplash so made a few grand that day.
When I was a claims advisor at Direct Line about 10 years ago, I think it was that, if the damage repair was more than 60% of the value of the car, then it was written off. I don't know if it's still the same or if they have changed the % nowadays. One thing that I have found out since then is that a lot of insurance companies don't use engineers anymore, and it's the claims advisors decision based on a damage matrix that they use as to whether a car is written off or not. Great straight to the point episode lads, thank you. 👍
Nice one for the info mate! Bit of inside info there ha ha 😂 yeah ibe noticed they don't use them anymore, last two people who have had damaged cars literally sent in pics and was deemed a write off from there, mad really, are all these claims advisors trained in vehicle damage? Mad really isn't it. Thank you for that, it was a bit different of video but the car incident happened and thought we could use it to explain the write off catorgorisations a bit
@@TransformotionVR In all the years that I worked at Direct Line none of the claims advisors were ever trained in vehicle damage as it was done by the engineers. We actaully had some good engineers when i was there as the majority of them would rather get a car repaired rather than write it off, especially if the owner had, had the car for a fair few years. In fact some of them would authorise the use of really good used replacement parts before they would write a car off. It seems it's changed for the worse these days.
Yeah definitely! I don't see anything wrong with second hand panels or parts as long as the finish is as good as new. Everyone's trying to do away with employees these days.....like the big supermarket check outs, they're annoying too
@Bootneck-RMC Where i worked , Accident Recovery Garage i was the First Panel Beater they Employed , 1 assessor i Dealt with a Lot would come & check my estimates to repair, He told me if The Repairs cost more than 2/3 thirds of the Vehicle Value they get written Off. . All based on times permitted to replace panels & Rebuild. If i Knew a Young Assessor (trying to impress Bosses) was trying it on by allotting less times than Insurance Book Times , I would tell them to take it somewhere else . We'll only charge Recovery & Storage Time. Until another Breakdown Company Remove it. Many Times We Bought Write offs for £ 60 + Recovery Fee 1972 Then Sell them in Our Showroom .
Insurance write-offs these days are terrible - some insurance companies just can't be bothered to check cars so write them off to save some work! Although the cost of genuine replacement parts and the cost of hire/loan cars will also affect the outcome - it's not just the value of the car but the value of the claim itself. Anyways, great episode - nice to see something going on that doesn't look like the car's been minced 😆 Keep up the great work chaps 🖖
Nice one bud! Yeah it all bumps the claim up, even an assessor coming out does! I think they're doing away with that now as the last two bumps I've heard about they've just sent pics in of the damage and both been written off
I've ended up using boiling water on plastic body work dents, found it to be a bit safer on the paint than a heat gun... I think you're spot on about insurance, it's a win win for them, they get to pay out less (if you 'buy' the car back) whilst raising the premiums year on year.
Yeah ive heard of that, not tried it tho, but as long as youre cautious with the heat gun its all good. As this incident was caught on camera it all came off enterprise's insurance
My friend is a service manager for Audi. They have just had a 2022 A6. (I think - don’t know my Audis) written off for a broken headlight and a small scratch (it hit a pigeon!). Audi said they could not supply a new light - could be up to 2 years (seriously????) so because they won’t use secondhand or pattern parts and they didn’t want to pay for a courtesy car for 2 years, they wrote it off. No wonder my naffin insurance went up 120% this year - with 50+ years clean record. We are being conned.
It proves that Insurance Companies need to be held to account for their decision in matters like this, as this is the main reason insurance costs keep going up and up without end. Great Video thoroughly enjoyable watch.
Insurance premiums are rising more due to the costs involved in the vehicle repair... Imagine you pay say £600 a year for your car insurance. and you accidentally back into a say a Toyota land cruiser which has ADAS systems on board... You damage the bumper, the Grille and Badge along with the Camera in the grill and the radar sensor behind the bumper. the camera is £4500 the grille is £600 the badge is £350 and the radar sensor is £6500... Accounting for anything else it makes your premium pretty cheap dont you think?
Yeah and it's only getting worse, we had a comment on here and his son works for some insurance firm, he said when these electric cars crash if they scratch the battery they will be wrote off as the batteries are that dear to replace so insurance is only going one way and that's up
@@TransformotionVR Very true also storage of damaged EV's can be an issue. I am also sure that most of the motoring public have NO Idea what ADAS is or what ADAS systems are fitted to their vehicle. I wonder how many vehicles out there have had suspension parts fitted or had wheel alignments and never had the ADAS reset? Also a vehicle with a 360 camera system has had a mirror replaced and not been given a ADAS reset?
Do you not think that people needlessly inflating the costs of claims by hiring cars they don’t need should also be held to account? The people who when someone bashes their jag or BMW or Volvo or, even worse, any type of “SUV” demand a like for like replacement on credit at £200+ per day rather than ringing the insurers of the at fault party and saying “sort me out a car please” that costs £20/day
When I saw the clip at the start, I was expecting the bumper to be cracked and caved, damage to the boot lid and the light cluster, but the old cluster didn't even look like the bulbs were damaged! I'm guessing the reason they write cars off so quickly is because, like the lads say, they'd go to manufacturer for brand new parts, but also the admin of it all; arranging storage, garage slot, parts delivery etc etc. I do think Andy is onto something; if you had the option for repairs using Manufacturer parts or OEM parts that could be a good way to reduce how much insurance repairs cost, especially for older cars like the Jag, because no-one is putting brand new Jag parts on a 14 year old car, it's either eBay parts or OEM. I've never been put of by Cat N and Cat S, as long as you can talk to the owner, find out what the damage was and when the repairs were done, then you can still have confidence in it. Plus, a certain car history checker comes in handy for those things too...
We saw it before they wrote it off and were gobsmacked when they said it was a total loss, but it's definitely down to hire cars, recovery, price of parts, admin and everything else that goes with it. I'm the same, never been bothered as long as I can see its been repaired right
Get one of those bullet hole stickers..😂😂. Man going to Spain for a month. All inclusive. Lol. Price of these jags come down now. My Dad got a Shooting Brake. 18.000 miles .ten years old. No value to it. But nice car if you looking to buy something. Good job guys.
Ha ha 🤣 itd be cheaper than a respray! Ste living it up on the Costa del sol!! 😆 yeah I had a cla180 amg line 19k miles on a 2015, cat s repaired and sold it for £8500. Nice one mate and thanks for watchin
Top job, guys - I love to see a Jag returned to its former glory. Given that Ste is by all accounts a perfectionist, who would want to get the bumper perfect again, do you reckon it irks him that the last three letters on the number plate are not in the right order (DCO)?!
Thanks mate! It's bad isn't it?! I can see why when the cost of the courtesy car alone can be thousands but surely people would be happy with a cheap and cheerful car just to get them about while their car is being fixed??
Nice easy fix, you’re right about it hitting everyone’s premiums though, it’s getting out of hand now. Looking forward to seeing more on Liam’s Range Rover soon 🤩
Tesco’s wrote my Mercedes off I wanted to keep it but they refused, it could have been repaired for £500 but they paid me £9,000 and took it away two weeks later someone else had it back on the road I loved that car it was immaculate.
I think they should always give the owner first refusal of buying it back, they did that with my mum when a truck reversed into her audi a5, it only dented the bonnet
First time watching your vids awesome work. Got to be honest first couple of seconds were no problem but after that found it hard to understand you were saying so watched with cc on. From South Africa.
If you add in the cost of labour at a Jaguar dealer @£160 an hour and the cost of a new light cluster, that’s where the insurance quote would make it £2000 especially as they would want to re spray the bumper.
Dent damage to a Qtr Panel would not be deemed as structural damage. Structural damage refers to an area the would affect the "Passenger cell" Chassis legs for example and also the Damage to the sill you mentioned is regarded as the passenger cell. If a body shop has a contract with an insurance company the are tied to work at the rates and discounts provided by that company. The old rule of thumb for a car being a possible total loss was 66% of its P.AV. (Pre accident value). These days that figure is sometimes higher due to parts availability etc.
Thanks for that info, so where does the passenger cell end as I'm looking at a car on copart thats been hit on the back corner/quarter and that's a cat S it may have done the panel behind the quarter too
@@TransformotionVR The "passenger cell" is basically from the front bulkhead to the rear parcel shelf area. Modern cars are designed to protect this area as much as possible with high strength steels used in the construction and crumple zones to absorb as much of the energy from a crash as possible. if its a Cat S then it should have been noted there is "structural" damage somewhere?? I personally would not want to repair a Cat S with out all the required equipment to complete a "safe Repair". You will have a "duty of care" to make sure the vehicle is safe to be put back on the road again. Said to say there are a lot of "cowboys" in the industry who only carer about making a profit...
If the Vehicle had been inspected correctly it would not have been deemed a total loss. Also just a note that now the vehicle has been deemed a total loss with a marker against it (Cat N) it is now worth 20% lees than market value and would most likely be only valued at trade price if traded in and a car sales site,
My daughter had her 1 series's bmw 12 plate written off gor a dent in the front passenger door from somone reversing in to it. The insurance valued the car at £5000. They bought the car back for £628 bought a second hand same colour for for £150 fitted.
I was told by the insurance company mine was cat N because they needed it off the road for at least 4 weeks and the Courtesy car would cost the insurance £1.500 plus the damage on top the waiting list to get cars in for repair was about 6 weeks so it's all down to the car hire I brought mine back and got a few £ in the back pocket.
It’s really annoying having your car written off but even worse when it’s a tiny issue like that. Insurance is ridiculous they hardly ever fix the car and it’s so expensive. My daughter has been quoted nearly £5000 for a Fiat Punto worth £2000 it is her first insurance but that’s ridiculous over twice the amount of the car. I think the insurance system needs a massive overhaul to set it right so people aren’t just being ripped off & they need to start repairing cars not just throwing them away. Another brilliant video lads keep up the good work
Thank you Trish! We appreciate that 😉 yeah you're not wrong! It's a joke but society has became a 'throw away' society nowadays, no one fixes nothing, it just gets thrown away and new one bought
We had a 2 year old BMW 120d sport with 8000 miles on the clock which was hit from baby a fan. Motability car. Got a phone call from insurance assessor asking if we wanted to write it off. Got an Enterprise hire car (Mercedes C200) for 4 months at £70 per day until our new car was ready on the other driver's insurance.
How bad was the damage? Its mad the way they sort of left it to you to decide, I once had an accident and for some reason it took months to get an assessor out and I had that car for months too!
The overall problem is the "fault" nature of the claims. I think this case was down to all that "rental car nonsense", if the owner demands only new parts to be used this car could be out of action for a few months. For example, my friend's car was out for many weeks after a light rear-ending, there was one small plastic bracket that was needed to finish the repair. For all that time she had a hire car (at the 3rd party's expense), so the one £10 part probably cost 1000s in hire car costs. The ironic thing was the bracket could have been purchased used or plastic welded. In my opinion, the industry needs to shift to a model where you specify what type of repairs and other covers like rental cars you would accept if your car is damaged. Like a "new parts dealer body shop" only policy or a policy that allows more sensible repairs. However, the big change that would require a law change would be to make it illegal to claim for a higher level of cover than you originally purchased from your own policy.
I agree mate, we should be given the choice as not everyone want their car written off anytime it gets bumped, and somthing definitely needs to be done with the insurance system 👍
Hi guys great video, as a Jag XF 2010 owner i had mine broken into and they tried to take out the centre console to start the car apparently, when i got the car back after a number of weeks due to back order i found out the parts & labour came to £4000.00. The cars not even worth that if i traded it in or sold privately so i'm as bemused as you two. I once had an X5 a someone nudge me causing a small indent in the door and insurance wrote it off saying 30% of the value and the door would have to be got from Germany as they only use qenuine parts and the bump could reveal deeper issues lol.Baffling.
Thanks mate! We appreciate that! 🙏 I don't think we'll ever get our heads round insurance and how they work, it's so baffling ha ha it like a lottery when you ring to tell them weather you get it fixed, get it wrote off and can buy it back or gets written off where you can't. Id love to understand it buy I don't think I ever will ha ha
Dont get me started! My Mums focus got written off after a van hit her in a carpark and got off, I got a new front wing in the scrappy same colour for 45 quid, took me 45 mins to fit and was fine a year ago a bus knocked my wing mirror off of my smax, only needed an indicator lens and the glass and they paid me out £874 to repair it, cost me £15! no wonder the premiums are so high!
Personally speaking, I wouldn't touch a car that has been a Cat S previously, simply because there's no real way of knowing both the quality of parts used in the repair, or the experience of the repairer. Buying a salvage vehicle and doing it yourself might be different though. Insurance companies often hike premiums even more ludicrously than they are if it has been written off previously too. I wouldn't be surprised if an insurer would refuse to pay out in an accident if you hadn't declared it was previously written off, even if you didn't know it had been.
Yeah I see your point and if I didnt have any experience in spotting the signs its been repaired then if possibly do the same, if they have the evidence of the damage and you can see its been done right then its as good as a normal car to me
Yeah there is that too, no one fixes things these days, I wish we were like our grandads generation where nothing went to the knackers yard unless it was knackered ha ha
Back in 2005 I was in a queue of traffic and a woman hit the back of me and pushed me into the car in front, it was my 1985 MK3 Escort XR3i (a twenty year old car at the time) Got £1k and that was only because it was in lovely shape lol, cost £60 at the motor factors for both bumpers ( thankfully the plastic trims and overiders etc were OK) colour coded the new metal bumpers with a rattle can and you’d never of known it happened 😊 2 years later it was nicked and never recovered 😢
Id love one of them cars now! My mum used to have a lovely grey xr3i it was around an F reg, she used to drop me off as a teenager to my mates and light up the tyres when leaving ha ha she was more boy racer than most dad's!!! 🤣🤣🤣 gutted it got robbed on you mate, my dad's xr2 got pinched from outside a pub on his way home from golf 😡 that was never found either
I had an old beetle written off as Cat B it was in shocking state but the insurance paid off full and also let me take the car for free so I took the engine and gearbox out and sold it.
I've never heard of them doing that but that's a nice little win for you! I suppose the cost of recovery would have outweighed the price they would have sold it for, was you told to scrap the body/chassis?
I was in coma so it was first time I seen it. Turns out it had no roof and 2ft cut out of back. It was already in scrap yard who were going to write it off as scrapped and I was taking it home thought I could change chassis plate and reg, was still high on all drugs from hospital haha. I had trailer with me was determined to take it but wouldn't even winch on trailer it was crabbing 😂 so ended up with engine and gearbox. Scrapyard have my 72 Herbie on the wall as a trophy towards Accrington. 😂
Was you in a coma from the crash?? Wow must have been a bad one mate!! Im glad you're OK now! What scrap yard was that? I'll keep my eye out for it if I ever go there ha ha 😂
They tend to get quotes from main dealerships, bumpers light etc with VAT, plus paint / repair at dealership prices…. upto £100 an hour. Also if parts are hard to get they can easily write a car off because of storage costs waiting for parts to arrive. Insurance is the biggest con going…..
Youre not wrong mate! If the parts are on back order the hire car cost could make them write it off alone, somthing needs to be done to lower all costs
My dads car almost got hot wired but failed to turn on the engine, all it was to write it off was the cover for the wires under the steering wheel on a 2006 Honda Stream
Remember guys insurance repairs can't include second hand parts and smart repairs, also looking at the bumper on a insurance claim it would be replaced new, probably down for a beam and possibly both 1/4 to blend, not to mention parts availability as even the most obvious parts seem tricky to get hold of at the moment. St in not saying it can't be done cheap but why should a third party claim be done on the cheap when it's not their fault.
Exactly, that what I said when liam was talking about the fixed and the fixed fixed bit ha ha you wouldn't want corners cut if someone hit your car....unless it had sentinel value and it was going to be written off
This is why our premiums are going through the roof people, instead of paying to fix cars which by the way is more environmentally friendly insurers would rarther just pay out and wipe their hands of it, anything for an easy life and more money from law abiding citizens to fill their coffers
Well in the last 12 months we've seen this one and a wagon reversed into my mums car, dented the bonnet and cracked the grille on an audi a5 and both were written off, you don't get them everyday but it's happening
That is just a plain ridiculous write off, like you said in the vid no wonder insurance premiums are so expensive when they are writing of cars like that.
Also remember if insurance was gonna fix that. All parts have to be brand new and from manufacturer. Bumper and tail light would be good £1500+ then a garage fees to spray the bumper and fit it all.
That’s a joke! Like you say no wonder insurance is ridiculous!! Good work guys, personally I wouldn’t have considered a CAT car but suppose like you say if it has pictures no reason not to! Didn’t realise he was South African, sounds more like Borat on video😂!
Its storage costs, hire vehicle cost, administration costs and then the high value of salvage. If the car is worth 10k and the salvage is £6000 then the insurance company only have £4000 max to repair. That’s going to disappear quickly. Most policies are like for like with hire cars as well.
Yeah you're not wrong, I dont get how everything used to get repaired but now everything gets wrote off, must be the cost of parts too, headlights alone can cost thousands
Cat A used to be when someone had died in the car the cat A had to be kept in a separate compound. Cat B, too badly damaged for repair, a breaker only CAT S, the damage is more than the cars worth or over 50% of the value. Cat N, usually bolt on parts. Insurance decided to write off even though the repair is less than the value of the car. 25/30 years ago a lot of these cars got repaired by the insurance company because not all insurance gave hire cars out,, you had to wait for the car to be repaired, obviously older cars got written off, but nowadays insurance companies don't want to get involved with repairs, as soon as the dash airbag goes off it usually guarantees a write off, cars under 3 years old will get repaired by the insurance. A mate of mine bought a 3 year old seat Leon fr with 15.000 miles down as cat S, they must have hit a kerb and sent the front wheel back braking the suspension arm the wheel and tyre as dash airbag went off, when he took the wheel arch liner off there was no damage to the bottom of the A post so should not have been a cat S, he had it back running within 24 hours, then a couple of weeks later got a dashboard for it, the hire cars can cost £10,000 for 3 months
Thanks for the info mate, knew it was somthing like that, I think the hire cars are half the problem, maybe the insurance should just add a grand to the claim then give that to the person who owns the car for taxis untill the car is done or to buy a cheap runaround? It might save a lot of cars
@@TransformotionVR the hire cars are definitely adding to the amount of write offs, I bought a 2018 Mercedes E400 coupe petrol engine from copart last June, insurance paid out £35000 I got it for £18000, plus fees, It was a non runner I took a gamble it was the crash data stored in the car stopping it starting , which it was we got the car started inside a hour of getting it delivered, had drivers airbag gone off all seat belts blown, 1 head light cracked and a little bit of damage to the front bumper, bonnet and wing, it's a cat N, on mercedes as you will know the pyro fuse usually goes in the slightest of bumps or the cars ecu won't allow the car to re start until you clear the codes. Mercedes parts are bloody expensive! Cheers Mark
I know!!! What's the deal with merc headlights ay!? We bought a front end for ours and had no qr codes on them so couldn't code them in, they were an upgraded light so wouldn't work off the existing codes, so we have a pair of them for sale, people were selling broke headlights with no ballast for £400+, the ballast was over £700 from merc 🤮
Some guy reversed into my wife’s car and dented the bumper and put a small crack in the rear light. The insurance company insisted they take the car away and gave her a hire. 10 weeks later, driving a new Mercedes suv hire , the hire costs were £7k with her own car needing just a bumper and tail light. We could have driven her own car until the bits came in but we were told we didn’t need to. So a small repair turned to an £8k claim! Just ridiculous. I think it’s a scam and of course we pay higher insurance for all of it.
Exactly mate! The insurance system needs fixing! I think if a car is deemed to be still road worthy then you should be able to keep driving it like you say, madness init!? 🤯
Good video and love the channel. I'm new back to the UK so not too familiar with insurance pricing but guess this will affect the owners NCD and premium next year. How much though is the question?
Well it's coming off the company's insurance as he had the footage of the incident, so went to then showed them and I think they'll handle who was driving it from their side so hopefully won't affect his insurance
Nice work,inexpensive repair and the jags as good as new shame insurance companies are all to prepared to write off so quickly as usual we all have to pay expensive premiums
Hes just bought a 22 plate transporter that had the wrong fuel put in it, all it needed was the tank emptying, new fuel filter and lines clearing... it didn't even take him a day to put it right
It'd be interesting to find out what the benefit is to the 'bent' insurance company in writing off a car that's got f**k all damage. Interesting vid guys, thanks.
How in the hell was that a write of , what a joke. I had an accident in my 3 series and they had to replace the bonnet bumper 2 lights and all the rads and they did not write it off.
Its mad isn't it mate!? I couldn't believe it, the mad thing is you send the pictures of the damage to copart and they deem it wrote off or not! To me they're obviously gonna want it written off
Hahaha that’s right - it was your comment! 😂 thank you for always watching and letting us know your thoughts mate. It keeps us motivated and it doesn’t go unnoticed
I have a problem on par with yours. I have an all original Nissan '2001' 200SX with only 41K on the clock. There is one currently for sale on ebay for just under £30k, but my insurance say they only value the car at about £1k in the event of writing it off. Its in showroom condition and they would only give me £1k.!!! What a rip off.
You can get an agreed value on it, you'll pay more but if worst comes to worst you'll get what yous have agreed, id use a firm like Adrian flux or similar....failing that I'll give you double what they say its worth, id like a new drift car ha ha 😂 😂 only joking
Thanks for the info - I'll have to talk to Adrian Flux about it. Turning them into drift cars is what normally happens with these, but presently mine is too good condition for that to happen!😁 @@TransformotionVR
Ha ha yeah I was jokin, if its mint and original it needs to be kept that way as not many are left, I know someone with a really clean original nissan ps13 and they've been offered silly money, make sure it's covered on the insurance and keep it tucked away in a nice dry garage as we all know how these jap cars like to rust ha ha 😂
Why not? Why should the person that got crashed into have to pay for their own car to be repaired, it came off the van rentals insurance not the editors
They don't have engineers that come out any more, you literally email the pics to the insurance or copart and the assess it from that so you don't know who's going to receive it
I have been told by my insurance company that should my rear window screen on my 2011 Audi A3 2.0 ltr diesel convertible get smashed, then it would be written off!!
It's done if im honest with you, it looks awesome! The footage wasn't ready for Sunday so put the jag video out, the final reveal of the merc will be on sunday
Insurance companies go off '' buy a new bumper , new light and painting a new bumper and hire of car while it gets fixed , we all pay more insurance because of this .
My son works for one of the largest insurance companies in the UK.He told me to hang on to your hat when 2025 insurance rises start,they will be huge! The biggest reason for these massive rises which we will all have to suffer is EV cars.EV's are very expensive to repair and any slight scratch on the battery casing the car will be written off.As you know replacing the battery pack will be more expensive in most cases than the whole value of the car due to heavy depreciation so as expected customers will have to bear the heavy rises on our insurance renewals.Insurance companies are being pressurized by EV manufacturers not to tell customers that EV's will be the main causes of insurance rises.Happy day's for insurance companies!!
Surely they should have separate policies so us petrol heads don't have to pay for the hefty prices of EV's.... ive never thought of that tbh mate, somthing needs to be done about really, thanks for the info tho mate it's all new to me
My 2006 Audi A4 was written off for a small dent in the rear wheel arch. It needed PDR but no one would even attempt it. Fixed myself with a ratchet strap and a machine polisher. Insurance is a scam. They want to get old cars off the road and expect you to replace it with an EV. My car was worth around £2000 but now its valued at £350. You will not find a B7 A4 in the same condition as mine is for £350. Absolute scam! Was your insurance with AXA? Mine was settled as 100% non fault and my premium went up by £1000
Any cheap cars these days just get written off for fun, it's bad like. I think it's their way of getting old cars off the road! Glad you got it back and sorted it out 😉
Why would they even consider writing a car off for a broken light and a damaged bumper? I would have thought the car should be written off only if its undriveable, and even then it would be better to use yourselves to transformotion it. The only sensible option is what you've done to pay the money and spend £180 and half an hour to fix it. I wouldn't be fussed about the mark either. If he wants £1300 I'll have it.
Mad isn't it! The cost was only £180 if he gets it sprayed, he's not had that done so only cost him £30 and a few beers for us, I wouldnt be bothered about the cat n either for that price ha ha
@@TransformotionVR exactly. A bargain either way, and one decent car saved from being scrapped. I hope I find a Jag like this none day, and if I do I'm gonna look at saving it as much as I can if the unthinkable happens. Did they catch the driver of the hire van?
I dont know the out come of the driver but that company have trackers fitted and ste had the reg so would only have took them looking into hired it, I hope you find one mate
Just waiting for the block to be honed and heads skimmed and it'll be ready for building back up, I think once the engines built we'll put out another video on it to update people then one more of it going in, we'll see how things go
I don't care if my oldish car has a few dings and scratches anymore I'm past the days of paying big money for something that gets left outside at the mercy of other idiot's.
Insurance is a con . They should use seconhand parts with the owners permission especially things like light , wings and doors etc. Copart are also to blame as they offer such high prices to insurance companies to get stock .
Storage costs and hire vehicles write cars off, especially if some manufacturers parts are on back order for weeks. Mental!!
Ahhh, you nailed it, didn’t think of that!
Youre right mate, we did mention about the courtesy car but didn't think about parts being on back order! I recognise the name on that first reply 😉..... ha ha
100% right….buy time cars fixed the cost of like you said….hire car….how long it takes to fix…cost of parts and paint….insurance just payout…crazy ain’t it
Deffo mate! Any cheap ish car is gonna get wrote off these days as it all stacks up!
Did you refer him to Auxillis or Auto Exchange or any other credit hire company? That’s why it’s a write-off. The hire company would have put him in a “like for like” hire car. Even at GTA rates that’s £200 a day so 3 weeks while you wait for parts and do the work would be £4k. Add in the cost of repairs and you’re over the value of the car and so the cost of the claim becomes more than the value of the vehicle, the definition of a total loss.
Good informative video. Insurance companies are ripping us off.
It's a joke what they write off these days
I've been saying for years the motor insurance industry is run by organised criminals, just out to steal your money.
Like the government 🤔😬🤫 ha ha
Insurance companies have always done this - they have zero incentive to do things cheaply at all, as all the do is pass the cost on the consumer with higher insurance premiums, so they keep their profits nice and high for the shareholders. Some garages are also just as bad when they hear it's an "insurance job" the £signs just light up in their eyes.
As you said it does make me much more likely to look at a Cat N and even a Cat S, I mean you guys already had me heading down that route with the standard you were working to but this has made me even more likely to actively go looking for a "Cat" car of some kind.
I think garage's have set pricing guidelines, I worked at one for a while so if a wing was damaged it'd be the cost on the wing plus a set 4 hours to paint and X amount of funds per hour, plus the cost of the paint. There's absolutely nothing wrong with a catorgorised car if you can see where the damage was and know its been repaired properly. Thank you for the compliment! A non catorgorised car could have been damaged worse than one that's been through the insurance, its all about being able to spot the tell tail signs and using a decent car checking app
We're not sponsored by them, i just ment get a decent checking app or doing an online check
I did the same had my car written off and bought it back. Got paid out £4k bought it back for £400 and cost £600 to fix. Also had £3.5k whiplash so made a few grand that day.
Not bad for a days work!! Ha ha 🤣
@@TransformotionVRNot funny… everyone has to pay to cover all this wasted money…..
Yeah me included! Mine goes up too
When I was a claims advisor at Direct Line about 10 years ago, I think it was that, if the damage repair was more than 60% of the value of the car, then it was written off. I don't know if it's still the same or if they have changed the % nowadays. One thing that I have found out since then is that a lot of insurance companies don't use engineers anymore, and it's the claims advisors decision based on a damage matrix that they use as to whether a car is written off or not.
Great straight to the point episode lads, thank you. 👍
Nice one for the info mate! Bit of inside info there ha ha 😂 yeah ibe noticed they don't use them anymore, last two people who have had damaged cars literally sent in pics and was deemed a write off from there, mad really, are all these claims advisors trained in vehicle damage? Mad really isn't it. Thank you for that, it was a bit different of video but the car incident happened and thought we could use it to explain the write off catorgorisations a bit
@@TransformotionVR In all the years that I worked at Direct Line none of the claims advisors were ever trained in vehicle damage as it was done by the engineers. We actaully had some good engineers when i was there as the majority of them would rather get a car repaired rather than write it off, especially if the owner had, had the car for a fair few years. In fact some of them would authorise the use of really good used replacement parts before they would write a car off. It seems it's changed for the worse these days.
Yeah definitely! I don't see anything wrong with second hand panels or parts as long as the finish is as good as new. Everyone's trying to do away with employees these days.....like the big supermarket check outs, they're annoying too
@Bootneck-RMC Where i worked , Accident Recovery Garage i was the First Panel Beater they Employed , 1 assessor i Dealt with a Lot would come & check my estimates to repair, He told me if The Repairs cost more than 2/3 thirds of the Vehicle Value they get written Off. . All based on times permitted to replace panels & Rebuild. If i Knew a Young Assessor (trying to impress Bosses) was trying it on by allotting less times than Insurance Book Times , I would tell them to take it somewhere else . We'll only charge Recovery & Storage Time. Until another Breakdown Company Remove it. Many Times We Bought Write offs for £ 60 + Recovery Fee 1972 Then Sell them in Our Showroom .
I briefly worked at a bodyshop and they had set priced they had to work to for each panel on different cars
Insurance write-offs these days are terrible - some insurance companies just can't be bothered to check cars so write them off to save some work! Although the cost of genuine replacement parts and the cost of hire/loan cars will also affect the outcome - it's not just the value of the car but the value of the claim itself.
Anyways, great episode - nice to see something going on that doesn't look like the car's been minced 😆
Keep up the great work chaps 🖖
Nice one bud! Yeah it all bumps the claim up, even an assessor coming out does! I think they're doing away with that now as the last two bumps I've heard about they've just sent pics in of the damage and both been written off
I've ended up using boiling water on plastic body work dents, found it to be a bit safer on the paint than a heat gun... I think you're spot on about insurance, it's a win win for them, they get to pay out less (if you 'buy' the car back) whilst raising the premiums year on year.
Yeah ive heard of that, not tried it tho, but as long as youre cautious with the heat gun its all good. As this incident was caught on camera it all came off enterprise's insurance
Great work lads, good little episode very informative content 👌🤟🤘💪❤️
Thank you mate, we appreciate that, it was bit different but im glad yous are liking it 👍
My friend is a service manager for Audi. They have just had a 2022 A6. (I think - don’t know my Audis) written off for a broken headlight and a small scratch (it hit a pigeon!). Audi said they could not supply a new light - could be up to 2 years (seriously????) so because they won’t use secondhand or pattern parts and they didn’t want to pay for a courtesy car for 2 years, they wrote it off. No wonder my naffin insurance went up 120% this year - with 50+ years clean record. We are being conned.
Wow! That's madness! How can't audi get a headlight??? Just ring the factory and get them to send one ha ha our insurance is a joke
Hopefully someone from the insurance company sees this!! Great video lads!👍🏼👍🏼🚗🚗
Thanks mate! 👍
Nice work Jono, videos always top.
Hes not bad is he! Ha ha ill make sure he see this 😉 thanks for the compliment
It proves that Insurance Companies need to be held to account for their decision in matters like this, as this is the main reason insurance costs keep going up and up without end. Great Video thoroughly enjoyable watch.
Thank you mate, we appreciate that! They're definitely having our pants down, every year mine goes up and I've got 10+years no claims 🤮
Insurance premiums are rising more due to the costs involved in the vehicle repair... Imagine you pay say £600 a year for your car insurance. and you accidentally back into a say a Toyota land cruiser which has ADAS systems on board... You damage the bumper, the Grille and Badge along with the Camera in the grill and the radar sensor behind the bumper. the camera is £4500 the grille is £600 the badge is £350 and the radar sensor is £6500... Accounting for anything else it makes your premium pretty cheap dont you think?
Yeah and it's only getting worse, we had a comment on here and his son works for some insurance firm, he said when these electric cars crash if they scratch the battery they will be wrote off as the batteries are that dear to replace so insurance is only going one way and that's up
@@TransformotionVR Very true also storage of damaged EV's can be an issue. I am also sure that most of the motoring public have NO Idea what ADAS is or what ADAS systems are fitted to their vehicle. I wonder how many vehicles out there have had suspension parts fitted or had wheel alignments and never had the ADAS reset? Also a vehicle with a 360 camera system has had a mirror replaced and not been given a ADAS reset?
Do you not think that people needlessly inflating the costs of claims by hiring cars they don’t need should also be held to account? The people who when someone bashes their jag or BMW or Volvo or, even worse, any type of “SUV” demand a like for like replacement on credit at £200+ per day rather than ringing the insurers of the at fault party and saying “sort me out a car please” that costs £20/day
When I saw the clip at the start, I was expecting the bumper to be cracked and caved, damage to the boot lid and the light cluster, but the old cluster didn't even look like the bulbs were damaged!
I'm guessing the reason they write cars off so quickly is because, like the lads say, they'd go to manufacturer for brand new parts, but also the admin of it all; arranging storage, garage slot, parts delivery etc etc.
I do think Andy is onto something; if you had the option for repairs using Manufacturer parts or OEM parts that could be a good way to reduce how much insurance repairs cost, especially for older cars like the Jag, because no-one is putting brand new Jag parts on a 14 year old car, it's either eBay parts or OEM.
I've never been put of by Cat N and Cat S, as long as you can talk to the owner, find out what the damage was and when the repairs were done, then you can still have confidence in it. Plus, a certain car history checker comes in handy for those things too...
We saw it before they wrote it off and were gobsmacked when they said it was a total loss, but it's definitely down to hire cars, recovery, price of parts, admin and everything else that goes with it. I'm the same, never been bothered as long as I can see its been repaired right
Get one of those bullet hole stickers..😂😂. Man going to Spain for a month. All inclusive. Lol. Price of these jags come down now. My Dad got a Shooting Brake. 18.000 miles .ten years old. No value to it. But nice car if you looking to buy something. Good job guys.
Ha ha 🤣 itd be cheaper than a respray! Ste living it up on the Costa del sol!! 😆 yeah I had a cla180 amg line 19k miles on a 2015, cat s repaired and sold it for £8500. Nice one mate and thanks for watchin
Top job, guys - I love to see a Jag returned to its former glory. Given that Ste is by all accounts a perfectionist, who would want to get the bumper perfect again, do you reckon it irks him that the last three letters on the number plate are not in the right order (DCO)?!
Ha ha hes not that bad.... his gf is driving this round now 😁 he's bought another ha ha
Nice to see your numbers going up. Good watch lads.
It's really exciting for us too! We've had a good month! Can't wait to hit 20k subs!!! Thanks man we appreciate that 👍
Nice cars those XF's, like driving round in your favourite slippers!
Great video lads 👍
Ha ha it is a nice drive! Nice one mate we really appreciate that 👍
Great video lads!👍🏻 very insightful, these insurance companies 🙄 seriously ripping us all off 😖
Thanks mate! It's bad isn't it?! I can see why when the cost of the courtesy car alone can be thousands but surely people would be happy with a cheap and cheerful car just to get them about while their car is being fixed??
That Jaguar Sounds great
It goes quite well too!
This could explain why my insurance quote has gone up 140% this year with no claims made against it
Bad isn't it mate, mine keeps going up too!
Nice easy fix, you’re right about it hitting everyone’s premiums though, it’s getting out of hand now. Looking forward to seeing more on Liam’s Range Rover soon 🤩
It's silly isnt it?! Hopefully we'll have an update for you soon mate 👍😉
Me too as I'm doing mine soon 😮
We just posted a video tonight on Liam’s Range Rover, just for you 😉 - ruclips.net/video/VtTdHy9VBnY/видео.htmlsi=JW5vs0x9usNgpcXp
@@TransformotionVR excellent service 👌🤣
@@mikeprice5755 brilliant I'm dreading mine 🤣🤣🤣
Tesco’s wrote my Mercedes off I wanted to keep it but they refused, it could have been repaired for £500 but they paid me £9,000 and took it away two weeks later someone else had it back on the road I loved that car it was immaculate.
I think they should always give the owner first refusal of buying it back, they did that with my mum when a truck reversed into her audi a5, it only dented the bonnet
First time watching your vids awesome work. Got to be honest first couple of seconds were no problem but after that found it hard to understand you were saying so watched with cc on. From South Africa.
Thank you, maybe we should get the editor to do more ha ha 😂 I'm glad you like the videos, they normally have subtitles too
If you add in the cost of labour at a Jaguar dealer @£160 an hour and the cost of a new light cluster, that’s where the insurance quote would make it £2000 especially as they would want to re spray the bumper.
They would have probably replaced the bumper too, plus the hire car. Then we pick up the bill with our next year's insurance
Dent damage to a Qtr Panel would not be deemed as structural damage. Structural damage refers to an area the would affect the "Passenger cell" Chassis legs for example and also the Damage to the sill you mentioned is regarded as the passenger cell. If a body shop has a contract with an insurance company the are tied to work at the rates and discounts provided by that company. The old rule of thumb for a car being a possible total loss was 66% of its P.AV. (Pre accident value). These days that figure is sometimes higher due to parts availability etc.
Thanks for that info, so where does the passenger cell end as I'm looking at a car on copart thats been hit on the back corner/quarter and that's a cat S it may have done the panel behind the quarter too
@@TransformotionVR The "passenger cell" is basically from the front bulkhead to the rear parcel shelf area. Modern cars are designed to protect this area as much as possible with high strength steels used in the construction and crumple zones to absorb as much of the energy from a crash as possible. if its a Cat S then it should have been noted there is "structural" damage somewhere?? I personally would not want to repair a Cat S with out all the required equipment to complete a "safe Repair". You will have a "duty of care" to make sure the vehicle is safe to be put back on the road again. Said to say there are a lot of "cowboys" in the industry who only carer about making a profit...
You think that’s bad, direct line wrote off my friends car for stalling in a puddle. Didn’t even check it. I did, no water anywhere. Worked perfectly.
Why did he go through the insurance if it wasn't wet? Did he think he hydro locked it?
If the Vehicle had been inspected correctly it would not have been deemed a total loss. Also just a note that now the vehicle has been deemed a total loss with a marker against it (Cat N) it is now worth 20% lees than market value and would most likely be only valued at trade price if traded in and a car sales site,
My daughter had her 1 series's bmw 12 plate written off gor a dent in the front passenger door from somone reversing in to it. The insurance valued the car at £5000. They bought the car back for £628 bought a second hand same colour for for £150 fitted.
Wow! She ended up with a bargin there! Mad the way they're written off so easy isn't it!?
I was told by the insurance company mine was cat N because they needed it off the road for at least 4 weeks and the Courtesy car would cost the insurance £1.500 plus the damage on top the waiting list to get cars in for repair was about 6 weeks so it's all down to the car hire I brought mine back and got a few £ in the back pocket.
Mad init! Well at least you got it back, how much did it cost for you to repair it?
It’s really annoying having your car written off but even worse when it’s a tiny issue like that. Insurance is ridiculous they hardly ever fix the car and it’s so expensive. My daughter has been quoted nearly £5000 for a Fiat Punto worth £2000 it is her first insurance but that’s ridiculous over twice the amount of the car. I think the insurance system needs a massive overhaul to set it right so people aren’t just being ripped off & they need to start repairing cars not just throwing them away. Another brilliant video lads keep up the good work
Thank you Trish! We appreciate that 😉 yeah you're not wrong! It's a joke but society has became a 'throw away' society nowadays, no one fixes nothing, it just gets thrown away and new one bought
We had a 2 year old BMW 120d sport with 8000 miles on the clock which was hit from baby a fan. Motability car. Got a phone call from insurance assessor asking if we wanted to write it off. Got an Enterprise hire car (Mercedes C200) for 4 months at £70 per day until our new car was ready on the other driver's insurance.
How bad was the damage? Its mad the way they sort of left it to you to decide, I once had an accident and for some reason it took months to get an assessor out and I had that car for months too!
The overall problem is the "fault" nature of the claims. I think this case was down to all that "rental car nonsense", if the owner demands only new parts to be used this car could be out of action for a few months. For example, my friend's car was out for many weeks after a light rear-ending, there was one small plastic bracket that was needed to finish the repair. For all that time she had a hire car (at the 3rd party's expense), so the one £10 part probably cost 1000s in hire car costs. The ironic thing was the bracket could have been purchased used or plastic welded.
In my opinion, the industry needs to shift to a model where you specify what type of repairs and other covers like rental cars you would accept if your car is damaged. Like a "new parts dealer body shop" only policy or a policy that allows more sensible repairs.
However, the big change that would require a law change would be to make it illegal to claim for a higher level of cover than you originally purchased from your own policy.
I agree mate, we should be given the choice as not everyone want their car written off anytime it gets bumped, and somthing definitely needs to be done with the insurance system 👍
When I was working at a dealer, a damaged Subaru Legacy RSK Headlight would write the car off because a new HID unit would be worth more than the car.
Wow! How much were they? That's an easy write off 🤯
Hi guys great video, as a Jag XF 2010 owner i had mine broken into and they tried to take out the centre console to start the car apparently, when i got the car back after a number of weeks due to back order i found out the parts & labour came to £4000.00. The cars not even worth that if i traded it in or sold privately so i'm as bemused as you two. I once had an X5 a someone nudge me causing a small indent in the door and insurance wrote it off saying 30% of the value and the door would have to be got from Germany as they only use qenuine parts and the bump could reveal deeper issues lol.Baffling.
Thanks mate! We appreciate that! 🙏 I don't think we'll ever get our heads round insurance and how they work, it's so baffling ha ha it like a lottery when you ring to tell them weather you get it fixed, get it wrote off and can buy it back or gets written off where you can't. Id love to understand it buy I don't think I ever will ha ha
Totally agree. My 2008 Volvo S80 D5 has been declared beyond economic repair. For something that I could have fixed for around £300. 😡
Did you buy it back off the insurance?
Nice winner for the owner ..... £3,000 in the bank as I'd probably not paint that
His missus is driving it at the minute so he said he's leaving it ha ha 😂
@@TransformotionVR . Oooh, I don't blame him lol
Ha ha 🤣 😂
Dont get me started! My Mums focus got written off after a van hit her in a carpark and got off, I got a new front wing in the scrappy same colour for 45 quid, took me 45 mins to fit and was fine
a year ago a bus knocked my wing mirror off of my smax, only needed an indicator lens and the glass and they paid me out £874 to repair it, cost me £15! no wonder the premiums are so high!
Exactly mate! It's ridiculous.... I think they want all the older cars off the road so everyone has to buy electric cars
Personally speaking, I wouldn't touch a car that has been a Cat S previously, simply because there's no real way of knowing both the quality of parts used in the repair, or the experience of the repairer. Buying a salvage vehicle and doing it yourself might be different though. Insurance companies often hike premiums even more ludicrously than they are if it has been written off previously too. I wouldn't be surprised if an insurer would refuse to pay out in an accident if you hadn't declared it was previously written off, even if you didn't know it had been.
Yeah I see your point and if I didnt have any experience in spotting the signs its been repaired then if possibly do the same, if they have the evidence of the damage and you can see its been done right then its as good as a normal car to me
UK insurance system is bloody crazy, also we live in a throw away world
Yeah there is that too, no one fixes things these days, I wish we were like our grandads generation where nothing went to the knackers yard unless it was knackered ha ha
Madness!! That car has at least 15 years left in my opinion.
I agree mate, total madness! It's only just ran in ha ha 😂
Back in 2005 I was in a queue of traffic and a woman hit the back of me and pushed me into the car in front, it was my 1985 MK3 Escort XR3i (a twenty year old car at the time) Got £1k and that was only because it was in lovely shape lol, cost £60 at the motor factors for both bumpers ( thankfully the plastic trims and overiders etc were OK) colour coded the new metal bumpers with a rattle can and you’d never of known it happened 😊 2 years later it was nicked and never recovered 😢
Id love one of them cars now! My mum used to have a lovely grey xr3i it was around an F reg, she used to drop me off as a teenager to my mates and light up the tyres when leaving ha ha she was more boy racer than most dad's!!! 🤣🤣🤣 gutted it got robbed on you mate, my dad's xr2 got pinched from outside a pub on his way home from golf 😡 that was never found either
Nice one Boys - and getting the SAFFA in on the action
Yeah no worries, you'll see him from time to time. Are you from SA?
I had an old beetle written off as Cat B it was in shocking state but the insurance paid off full and also let me take the car for free so I took the engine and gearbox out and sold it.
I've never heard of them doing that but that's a nice little win for you! I suppose the cost of recovery would have outweighed the price they would have sold it for, was you told to scrap the body/chassis?
I was in coma so it was first time I seen it. Turns out it had no roof and 2ft cut out of back. It was already in scrap yard who were going to write it off as scrapped and I was taking it home thought I could change chassis plate and reg, was still high on all drugs from hospital haha. I had trailer with me was determined to take it but wouldn't even winch on trailer it was crabbing 😂 so ended up with engine and gearbox. Scrapyard have my 72 Herbie on the wall as a trophy towards Accrington. 😂
Was you in a coma from the crash?? Wow must have been a bad one mate!! Im glad you're OK now! What scrap yard was that? I'll keep my eye out for it if I ever go there ha ha 😂
They tend to get quotes from main dealerships, bumpers light etc with VAT, plus paint / repair at dealership prices…. upto £100 an hour. Also if parts are hard to get they can easily write a car off because of storage costs waiting for parts to arrive. Insurance is the biggest con going…..
Youre not wrong mate! If the parts are on back order the hire car cost could make them write it off alone, somthing needs to be done to lower all costs
My dads car almost got hot wired but failed to turn on the engine, all it was to write it off was the cover for the wires under the steering wheel on a 2006 Honda Stream
It doesn't take much to write vehicles off these days especially on an older car or bike
Remember guys insurance repairs can't include second hand parts and smart repairs, also looking at the bumper on a insurance claim it would be replaced new, probably down for a beam and possibly both 1/4 to blend, not to mention parts availability as even the most obvious parts seem tricky to get hold of at the moment. St in not saying it can't be done cheap but why should a third party claim be done on the cheap when it's not their fault.
Exactly, that what I said when liam was talking about the fixed and the fixed fixed bit ha ha you wouldn't want corners cut if someone hit your car....unless it had sentinel value and it was going to be written off
Good work lads... 👏
Nice one mate! 👍 we appreciate it
This is why our premiums are going through the roof people, instead of paying to fix cars which by the way is more environmentally friendly insurers would rarther just pay out and wipe their hands of it, anything for an easy life and more money from law abiding citizens to fill their coffers
Yeah definitely! It's all about money to them, but we end up getting the short straw as always
How often do you get one like that❤
Well in the last 12 months we've seen this one and a wagon reversed into my mums car, dented the bonnet and cracked the grille on an audi a5 and both were written off, you don't get them everyday but it's happening
That is just a plain ridiculous write off, like you said in the vid no wonder insurance premiums are so expensive when they are writing of cars like that.
Yeah 100%! They didn't even send an assessor out to look at it! But that would have added to the cost too if they did......
Also remember if insurance was gonna fix that. All parts have to be brand new and from manufacturer. Bumper and tail light would be good £1500+ then a garage fees to spray the bumper and fit it all.
I know man! And we all know the stealers...i mean dealers are dear as!! 🤣
That’s a joke! Like you say no wonder insurance is ridiculous!!
Good work guys, personally I wouldn’t have considered a CAT car but suppose like you say if it has pictures no reason not to!
Didn’t realise he was South African, sounds more like Borat on video😂!
Hahahaha thanks mate, that comment is going up on the wall in the office 😂
The cost might be based on a main dealer repair cost with a new bumper
The car never left the place where it was hit and no one came out to look, it was wrote off from the photos he's sent to them
Its storage costs, hire vehicle cost, administration costs and then the high value of salvage. If the car is worth 10k and the salvage is £6000 then the insurance company only have £4000 max to repair. That’s going to disappear quickly. Most policies are like for like with hire cars as well.
Yeah you're not wrong, I dont get how everything used to get repaired but now everything gets wrote off, must be the cost of parts too, headlights alone can cost thousands
Cat A used to be when someone had died in the car the cat A had to be kept in a separate compound.
Cat B, too badly damaged for repair, a breaker only
CAT S, the damage is more than the cars worth or over 50% of the value.
Cat N, usually bolt on parts.
Insurance decided to write off even though the repair is less than the value of the car.
25/30 years ago a lot of these cars got repaired by the insurance company because not all insurance gave hire cars out,, you had to wait for the car to be repaired, obviously older cars got written off, but nowadays insurance companies don't want to get involved with repairs, as soon as the dash airbag goes off it usually guarantees a write off, cars under 3 years old will get repaired by the insurance.
A mate of mine bought a 3 year old seat Leon fr with 15.000 miles down as cat S, they must have hit a kerb and sent the front wheel back braking the suspension arm the wheel and tyre as dash airbag went off, when he took the wheel arch liner off there was no damage to the bottom of the A post so should not have been a cat S, he had it back running within 24 hours, then a couple of weeks later got a dashboard for it, the hire cars can cost £10,000 for 3 months
Thanks for the info mate, knew it was somthing like that, I think the hire cars are half the problem, maybe the insurance should just add a grand to the claim then give that to the person who owns the car for taxis untill the car is done or to buy a cheap runaround? It might save a lot of cars
@@TransformotionVR the hire cars are definitely adding to the amount of write offs, I bought a 2018 Mercedes E400 coupe petrol engine from copart last June, insurance paid out £35000 I got it for £18000, plus fees, It was a non runner I took a gamble it was the crash data stored in the car stopping it starting , which it was we got the car started inside a hour of getting it delivered, had drivers airbag gone off all seat belts blown, 1 head light cracked and a little bit of damage to the front bumper, bonnet and wing, it's a cat N, on mercedes as you will know the pyro fuse usually goes in the slightest of bumps or the cars ecu won't allow the car to re start until you clear the codes. Mercedes parts are bloody expensive! Cheers Mark
I know!!! What's the deal with merc headlights ay!? We bought a front end for ours and had no qr codes on them so couldn't code them in, they were an upgraded light so wouldn't work off the existing codes, so we have a pair of them for sale, people were selling broke headlights with no ballast for £400+, the ballast was over £700 from merc 🤮
Did they catch up with the person who backed the hire van into it. The hire van must have been insured. Lovely car.
I'm assuming they did, ste when to the hire company and they gave him the hire car straight away after showing them the cctv footage
Some guy reversed into my wife’s car and dented the bumper and put a small crack in the rear light. The insurance company insisted they take the car away and gave her a hire. 10 weeks later, driving a new Mercedes suv hire , the hire costs were £7k with her own car needing just a bumper and tail light. We could have driven her own car until the bits came in but we were told we didn’t need to. So a small repair turned to an £8k claim! Just ridiculous. I think it’s a scam and of course we pay higher insurance for all of it.
Exactly mate! The insurance system needs fixing! I think if a car is deemed to be still road worthy then you should be able to keep driving it like you say, madness init!? 🤯
Good video and love the channel.
I'm new back to the UK so not too familiar with insurance pricing but guess this will affect the owners NCD and premium next year. How much though is the question?
My NCD is untouched as it wasn’t my fault - but my premiums going up each year anyway 😂
Ste (HPA editor)
Well it's coming off the company's insurance as he had the footage of the incident, so went to then showed them and I think they'll handle who was driving it from their side so hopefully won't affect his insurance
This is how to get older vehicles off the road. Probably government grants for the insurance companies doing this.
That's a good possibility that mate, win win for the insurance then as they'll get higher premiums off everyone else too
Nice work,inexpensive repair and the jags as good as new shame insurance companies are all to prepared to write off so quickly as usual we all have to pay expensive premiums
Thank you mate! 😊 I know it's bad init, they win and we loose basically
@@TransformotionVR 👍too right and it won’t change anytime soon either cheap premiums are a thing of the past now
Definitely! I think everyone's just keeps going up year by year! No matter how many NCB you have
My BmwE38 £3500 wrote off door damage i bought it back £800 matching door £125 changed all done .
Mad isn't it? Im glad you saved it mate, I had the e39 3.0i
@@TransformotionVR ill call in one day .
Lets know when he gets it sprayed 🤣🤣🤣 Hes defo doing it i can tell ...
Will do! 🤣
That's mental!!!
It is!! 💯%
Watched another RUclipsr who brought a brand new unregistered vw worth over 40k which was written off because it smelt of smoke slightly from a fire.
It was saving salvage wasn't it, I watch him too 👍
@@TransformotionVR Yea thats right.
Hes just bought a 22 plate transporter that had the wrong fuel put in it, all it needed was the tank emptying, new fuel filter and lines clearing... it didn't even take him a day to put it right
@@TransformotionVR That's crazy big money to be made when you have the balls to take big risks.
That's exactly what he did! We haven't got that sort of funds yet tho 🤣🤣
Amazing.
It'd be interesting to find out what the benefit is to the 'bent' insurance company in writing off a car that's got f**k all damage.
Interesting vid guys, thanks.
Higher premiums off everyone, not just the people that claim
They wrote my audi A5 for a tiny crack on the rear bumper. I bought it back. Crazy
They did the same for my mum's a5 tfsi, tiny dent on the bonnet and cracked grille, unfortunately she didn't get the option to buy it back
How in the hell was that a write of , what a joke. I had an accident in my 3 series and they had to replace the bonnet bumper 2 lights and all the rads and they did not write it off.
Its mad isn't it mate!? I couldn't believe it, the mad thing is you send the pictures of the damage to copart and they deem it wrote off or not! To me they're obviously gonna want it written off
The insurance man was his brother ❤
😂😂😂
15:22 - Oooh! I'm famous at last! 🤣 (non-Liverpudlian comment) 😂
Hahaha that’s right - it was your comment! 😂 thank you for always watching and letting us know your thoughts mate. It keeps us motivated and it doesn’t go unnoticed
UK sticker…sorted 😂
👍👍
What is all that fluid on the ground underneath the driver side back wheel?
It was snow melting from the wheel arches mate
@@TransformotionVR Thanks, well done on the very informative video.
Thank you mate, we appreciate that 😉
Does this OBD 11 work on Land Rover Range rover sport ? Cant seem to find out on their web site !
I'll get Liam to try it, when we were picking it up we was battling with a dead battery, its got a charged one on now
Short of money? Fake your own Cat N damage. Ring your insurance company. Holiday in the Canaries. Keep your car.
Sounds like an advert that 😂
I have a problem on par with yours. I have an all original Nissan '2001' 200SX with only 41K on the clock. There is one currently for sale on ebay for just under £30k, but my insurance say they only value the car at about £1k in the event of writing it off. Its in showroom condition and they would only give me £1k.!!! What a rip off.
You can get an agreed value on it, you'll pay more but if worst comes to worst you'll get what yous have agreed, id use a firm like Adrian flux or similar....failing that I'll give you double what they say its worth, id like a new drift car ha ha 😂 😂 only joking
Thanks for the info - I'll have to talk to Adrian Flux about it. Turning them into drift cars is what normally happens with these, but presently mine is too good condition for that to happen!😁 @@TransformotionVR
Ha ha yeah I was jokin, if its mint and original it needs to be kept that way as not many are left, I know someone with a really clean original nissan ps13 and they've been offered silly money, make sure it's covered on the insurance and keep it tucked away in a nice dry garage as we all know how these jap cars like to rust ha ha 😂
I wouldn’t have gone with insurance with that damage just buy a rear light job done
Why not? Why should the person that got crashed into have to pay for their own car to be repaired, it came off the van rentals insurance not the editors
I think “somebody” knew the insurance assessor……..!!!!
They don't have engineers that come out any more, you literally email the pics to the insurance or copart and the assess it from that so you don't know who's going to receive it
I have been told by my insurance company that should my rear window screen on my 2011 Audi A3 2.0 ltr diesel convertible get smashed, then it would be written off!!
Try not break that then ha ha 😆 itd probably need a whole new roof, id it a soft top?
@@TransformotionVR
Yes
It’s a mohair roof
I take it itd write it off if the roof got a nick in it too then, mad the way cars get written off so easily
I think the more they pay out the more they can charge and the more they make.
Sounds about right ha ha
What a joke writing that off for that damage! Boils my pish it does. Great quick fix fellas. How's the Merc getting on?
It's done if im honest with you, it looks awesome! The footage wasn't ready for Sunday so put the jag video out, the final reveal of the merc will be on sunday
Insurance companies go off '' buy a new bumper , new light and painting a new bumper and hire of car while it gets fixed , we all pay more insurance because of this .
I know man, but I think it's the hire cars that really makes the price shoot up
My son works for one of the largest insurance companies in the UK.He told me to hang on to your hat when 2025 insurance rises start,they will be huge! The biggest reason for these massive rises which we will all have to suffer is EV cars.EV's are very expensive to repair and any slight scratch on the battery casing the car will be written off.As you know replacing the battery pack will be more expensive in most cases than the whole value of the car due to heavy depreciation so as expected customers will have to bear the heavy rises on our insurance renewals.Insurance companies are being pressurized by EV manufacturers not to tell customers that EV's will be the main causes of insurance rises.Happy day's for insurance companies!!
Surely they should have separate policies so us petrol heads don't have to pay for the hefty prices of EV's.... ive never thought of that tbh mate, somthing needs to be done about really, thanks for the info tho mate it's all new to me
The insurance company cannot use 2nd hand parts, so the price will go up cause of that.
I know, the hire cars are silly price too
My 2006 Audi A4 was written off for a small dent in the rear wheel arch. It needed PDR but no one would even attempt it. Fixed myself with a ratchet strap and a machine polisher. Insurance is a scam. They want to get old cars off the road and expect you to replace it with an EV. My car was worth around £2000 but now its valued at £350. You will not find a B7 A4 in the same condition as mine is for £350. Absolute scam! Was your insurance with AXA? Mine was settled as 100% non fault and my premium went up by £1000
Any cheap cars these days just get written off for fun, it's bad like. I think it's their way of getting old cars off the road! Glad you got it back and sorted it out 😉
Wonder if Enterprise offered a rental car after the accident... 🙈
Thanks for watching Mahel! You get the answer to that question @20:15 😉. You'd think that would be a given, but it took some negotiating...
I bet that opens up a lot of scams righting cars off via emails
Never actually thought of that side of it tbh
it is either 70 or 80%
Ahh okay. Thank you for letting us know! And we hanks for watching, hope to see you in the next one
I had I scratch like that in a BMW 3 series and they wanted £1500 to fix it so left it 😅
Wow! Was that through the insurance or just a really dear bodyshop?
Why would they even consider writing a car off for a broken light and a damaged bumper? I would have thought the car should be written off only if its undriveable, and even then it would be better to use yourselves to transformotion it. The only sensible option is what you've done to pay the money and spend £180 and half an hour to fix it. I wouldn't be fussed about the mark either. If he wants £1300 I'll have it.
Mad isn't it! The cost was only £180 if he gets it sprayed, he's not had that done so only cost him £30 and a few beers for us, I wouldnt be bothered about the cat n either for that price ha ha
@@TransformotionVR exactly. A bargain either way, and one decent car saved from being scrapped. I hope I find a Jag like this none day, and if I do I'm gonna look at saving it as much as I can if the unthinkable happens. Did they catch the driver of the hire van?
I dont know the out come of the driver but that company have trackers fitted and ste had the reg so would only have took them looking into hired it, I hope you find one mate
written off!
Mad isn't it?!
Hi guys
How’s the Range Rover..?
Just waiting for the block to be honed and heads skimmed and it'll be ready for building back up, I think once the engines built we'll put out another video on it to update people then one more of it going in, we'll see how things go
First person to watch
Haha, thank you for watching and getting in there so quick! :) you officially got the Hole-Shot for this episode!🏆😉
It's shite like that, as to why all our insurance premiums have gone up 40%. The insurance companies are to blame..
100% true mate, someone behind a desk writes them off these days and not a trained assessor
Ridiculous writing it off for that ffs at least it’s a very cheap nice car to run about in now 👌
Yeah its a joke isn't it!? Not bad tho for £1300 ha ha
@@TransformotionVR it’s a steal 👌
Fixed with a £30 light too! 😬
@@TransformotionVR what was the water? Looked like the car was having a piss 😂😂😂 I know £30 unbelievable and your right that why we pay high premiums
It had been snowing so just loads of snow melting, we had blasted most of it off
Piss take that’s why all the Insurance is going up !!
Yep! Definitely 👍
Have you only just realised that all insurance companies are corrupt as hell ?
No not really but this one just highlights how easy they write them off
I don't care if my oldish car has a few dings and scratches anymore I'm past the days of paying big money for something that gets left outside at the mercy of other idiot's.
I'm the same mate, i love my old bangers ha ha im just not bothered if anyone clips it with their doors when parked ha ha
I used to do smart repairs. That is a new (used) lamp and 2hrs to fix the paint. Insurance companies don’t like that as they’re thieving bast…dos.
Ha ha they definitely are! With the owners consent they should be allowed to use 2nd hand parts
Insurance is a con . They should use seconhand parts with the owners permission especially things like light , wings and doors etc. Copart are also to blame as they offer such high prices to insurance companies to get stock .
If it was the difference between writing it off or saving it then that should be an option to the owner
Writing cars off for stupid things is probably causing more pollution.
It is isnt it!? As that car will have to be replaced with another....possibly a new car
The camera is moving around so much it makes the viewer seasick
Just wobble with it and you'll feel fine 🤣🤣