What to do?

Someone run in me last week. Now the insurance company has offered me £1805 for the car which aint bad as I payed £1450 for it.
Now should I buy it back which they are saying at 25%. I can get it done for £250-£300 plus I have done the sills, rear-arches, inner-wings and a couple patches on the floor. It has a 10 mth MOT and 11 mth tax (which I could claim back). Now should I keep it or get rid? Or maybe one of you lot want it? By the way its a silver 95 V8 LPG XS

buy it back and sell the bits on ebay !!!

If the insurance company write it off then the MOT become null and void and you will need a VIC check by the DVLA before you can re-apply for the log book. You then have the potential hazard when you do come to sell it as it will be either a Cat C or cat D write off and will show up on a HPI check.
Personally if your making more than you bought it for i would take the offer and get another 1

Buy it back if you think you're likely to want it and keep it for a few years. If you think you might get rid within a year or so just take the money and run ...

if its a good disco you could buy it back and repair yourself. if its a cat d then you dont need to have a vic so you can repair it and drive it with no problems with your current mot. only a cat c will need a vic and at that age nobody will hpi it anyway! a cat c repaired vehicle will state on the log book that at some time in its life it was damaged but a cat d says nothing and as long as it was repaired to a safe standard then why not fix it?

colinl said:

if its a good disco you could buy it back and repair yourself. if its a cat d then you dont need to have a vic so you can repair it and drive it with no problems with your current mot. only a cat c will need a vic and at that age nobody will hpi it anyway! a cat c repaired vehicle will state on the log book that at some time in its life it was damaged but a cat d says nothing and as long as it was repaired to a safe standard then why not fix it?

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Well its the first offer anyway going try to push for more. Its going to be a D because its beyond economical repair. I've managed to get hold of 2 rear-quarters and bumper end caps for £60 (I bumped one side). A mate's says he'll paint the rear and the roof (its got a scab on the window one side and Id done the other side the week before the guy ran in me) for £120 as long as prep it first (which I pretty alright at to my surprise). Ive been told too that the guy got the 25% wrong it maybe 15% so they going to get back to me on it.