Write off Disco

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Bootneck

Guest
Hi I had my TD5 written off recently due to the Storms of Jan, two windows
broke and it was exposed to salt water spray for 12 odd Hours. I have tried
to buy it back as I live on a Scottish island and it would come in useful
for allsorts of things. However my Insurance company have stated it is a
class A write off, now I thought that was burnt out or chassis damage. I
drove my vehicle to the ferry and had been using it for 3 months or so with
no problems. Any comments on why its a class A the engineers just says it
because of the salt water but that could be repaired

Many thanks

Bootneck

--
Failure is not falling down, it is not getting up again.


 
> Hi I had my TD5 written off recently due to the Storms of Jan, two windows
> broke and it was exposed to salt water spray for 12 odd Hours. I have
tried
> to buy it back as I live on a Scottish island and it would come in useful
> for allsorts of things. However my Insurance company have stated it is a
> class A write off, now I thought that was burnt out or chassis damage. I
> drove my vehicle to the ferry and had been using it for 3 months or so
with
> no problems. Any comments on why its a class A the engineers just says it
> because of the salt water but that could be repaired
>
Salt water damage is automatically a category A write off, because of unseen
affects within the wiring loom etc.


 
Thanks for that,, I take it there is no way for anyone to buy a class A,,
its just I have a feeling the engineer had sold the vehicle on before I had
even been made an offer as it disappeared from the garage forecourt at 9am
on the Monday morning after I had asked to buy iy on the Friday.. or maybe I
being paranoid.

Many thanks

Bootneck


 

> Thanks for that,, I take it there is no way for anyone to buy a class A,,
>
Not unless you have a scrap disposal licence!

> its just I have a feeling the engineer had sold the vehicle on before I
had
> even been made an offer as it disappeared from the garage forecourt at 9am
> on the Monday morning after I had asked to buy iy on the Friday.. or maybe
I
> being paranoid.
>
Once they have decided that its a Cat A, it will get disposed of
immediately, so they don't have to continue paying storage charges at the
garage.


 
"SimonJ" <[email protected]> wrote in message
news:[email protected]...
> Once they have decided that its a Cat A, it will get disposed of
> immediately, so they don't have to continue paying storage charges at the
> garage.

H'mmmm,

Exactly how much salt water is required to get it written off?

;0)

Lee D


 
"Lee_D" <[email protected]> wrote in
news:[email protected]:

> "SimonJ" <[email protected]> wrote in message
> news:[email protected]...
>> Once they have decided that its a Cat A, it will get disposed of
>> immediately, so they don't have to continue paying storage charges at
>> the garage.
>
> H'mmmm,
>
> Exactly how much salt water is required to get it written off?
>
> ;0)
>
> Lee D
>
>
>

Rather my sentiments. If the insured hadn't agreed a settlement and hadn't
taken money, how has the insurance company suddenly acquired ownership of
the damaged vehicle? From my days in college, I seem to recall there needs
to be something called "offer, acceptance, and consideration".

What if the insured decided he would like to dispute the valuation and get
in a private assessor? How is that to be achieved when the "evidence" has
been spirited away?

Maybe this is in the small print of the insurance policy and I am just
being paranoid....

But the company involved wasn't based in Inverness by any chance, was it??

Derry
 

"Bootneck" <[email protected]> wrote in message
news:[email protected]...
> Hi I had my TD5 written off recently due to the Storms of Jan, two windows
> broke and it was exposed to salt water spray for 12 odd Hours. I have
> tried to buy it back as I live on a Scottish island and it would come in
> useful for allsorts of things. However my Insurance company have stated it
> is a class A write off, now I thought that was burnt out or chassis
> damage. I drove my vehicle to the ferry and had been using it for 3 months
> or so with no problems. Any comments on why its a class A the engineers
> just says it because of the salt water but that could be repaired
>

I don't know all the ins and outs of the different write-off classes, BUT
until you accept an offer from the insurer it is still legally your
property. The way forward is to inform them that you do not accept their
offer due to the minimal damage and to inform them that you are unhappy with
the Cat A assessment and insist that they re-assess it. Remind them of your
legal rights to good title of the vehicle and that the longer they delay
they are costing themselves excess storage fees. BTW, rule 1, do not allow
the vehicle out of your posession until you accept a settlement offer!
Badger.


 
Tell that the owners of old Fergies who use them for beaching boats.

Tell that the owners of boats for that matter, for whom salt water is little
hazard.

The more I lern about insurance companies, the less I want to bother with
them,


--
þT

L'autisme c'est moi

"Space folds, and folded space bends, and bent folded space contracts and
expands unevenly in every way unconcievable except to someone who does not
believe in the laws of mathematics"


"SimonJ" <[email protected]> wrote in message
news:[email protected]...
> Salt water damage is automatically a category A write off, because of
unseen
> affects within the wiring loom etc.
>
>


 
>
> Tell that the owners of boats for that matter, for whom salt water is
little
> hazard.
>
So let me try and understand this concept.........

A boat, which is designed to be immersed in salt water, will not be damaged
by salt water.
A car interior, which is designed not to get wet, will be damaged by salt
water.

Chalk=Cheese.


 
What all that vinyl ???? and what about the Fergie tractors slowly rotting
back to a natural state yet still working ?

It is about time the goverment acted on this environmentally damaging policy
of writing of vehicles as if they were used condoms.


--
Larry
Series 3 rust and holes






"SimonJ" <[email protected]> wrote in message
news:[email protected]...
> So let me try and understand this concept.........
>
> A boat, which is designed to be immersed in salt water, will not be
damaged
> by salt water.
> A car interior, which is designed not to get wet, will be damaged by salt
> water.
>
> Chalk=Cheese.
>
>


 
On Mon, 27 Jun 2005 06:37:52 +0100, Larry wrote:

> It is about time the goverment acted on this environmentally
> damaging policy of writing of vehicles as if they were used condoms.

Whilst I'm inclined to agree, immersion in sea water is not good for
almost anything, it really is nasty corrosive stuff.

Steel will rust, Ali will corrode, especially at dissimilar metal
junctions, Copper will turn to green gunge. All quite a slow process
but with the minimum but highly complex engineering of a modern
vehicle give it a year or two and the electrics will be falling apart
along with the body. On a moncoque constructed vehicle that body rot,
almost certainly hidden, could be lethal.

--
Cheers [email protected]
Dave. pam is missing e-mail



 
On Mon, 27 Jun 2005 06:37:52 +0100, "Larry" <[email protected]>
wrote:

>What all that vinyl ???? and what about the Fergie tractors slowly rotting
>back to a natural state yet still working ?
>
>It is about time the goverment acted on this environmentally damaging policy
>of writing of vehicles as if they were used condoms.

Why? It's not as if they are going to drive it into a landfill site
and bury it whole. It will be broken up and provide second-hand
spares for loads of other Discoveries and Range Rovers.


--

Tim Hobbs

'58 Series 2 88" aka "Stig"
'77 101FC Ambulance aka "Burrt"
'03 Volvo V70
 
Tim Hobbs wrote:

> Why? It's not as if they are going to drive it into a landfill site
> and bury it whole. It will be broken up and provide second-hand
> spares for loads of other Discoveries and Range Rovers.

The engine alone would be worth quite a bit.

Steve
 
Wouldn't the insurance company want it crushed?
Richard


"Tim Hobbs" <[email protected]> wrote in message
news:[email protected]...
> On Mon, 27 Jun 2005 06:37:52 +0100, "Larry" <[email protected]>
> wrote:
>
>>What all that vinyl ???? and what about the Fergie tractors slowly rotting
>>back to a natural state yet still working ?
>>
>>It is about time the goverment acted on this environmentally damaging
>>policy
>>of writing of vehicles as if they were used condoms.
>
> Why? It's not as if they are going to drive it into a landfill site
> and bury it whole. It will be broken up and provide second-hand
> spares for loads of other Discoveries and Range Rovers.
>
>
> --
>
> Tim Hobbs
>
> '58 Series 2 88" aka "Stig"
> '77 101FC Ambulance aka "Burrt"
> '03 Volvo V70


 
In message <[email protected]>
"Richard" <[email protected]> wrote:

> Wouldn't the insurance company want it crushed?
> Richard
>
>

Thoretically - but if the vehicle is rendered un-rebuildable
at least some to sell them on into the parts trade. I've seen
vehices where the A, B and C posts have been cut, and the chassis
chopped to put them well beyond any economical repair. Unfortunately,
the damage done by doing this (with grinder or gas axe) also renders
most of the good bits unuseable, e.g seats, trim, dash etc so any
recycling amounts to pretty much axles, gearbox and engine - part
of the reason we got out of s/h parts.

Richard

> "Tim Hobbs" <[email protected]> wrote in message
> news:[email protected]...
> > On Mon, 27 Jun 2005 06:37:52 +0100, "Larry" <[email protected]>
> > wrote:
> >
> >>What all that vinyl ???? and what about the Fergie tractors slowly rotting
> >>back to a natural state yet still working ?
> >>
> >>It is about time the goverment acted on this environmentally damaging
> >>policy
> >>of writing of vehicles as if they were used condoms.
> >
> > Why? It's not as if they are going to drive it into a landfill site
> > and bury it whole. It will be broken up and provide second-hand
> > spares for loads of other Discoveries and Range Rovers.
> >
> >
> > --
> >
> > Tim Hobbs
> >
> > '58 Series 2 88" aka "Stig"
> > '77 101FC Ambulance aka "Burrt"
> > '03 Volvo V70
>
>

--
www.beamends-lrspares.co.uk [email protected]
Running a business in a Microsoft free environment - it can be done
Powered by Risc-OS - you won't get a virus from us!!
Helping keep Land Rovers on and off the road to annoy the Lib Dems
 
On or around Mon, 27 Jun 2005 06:37:52 +0100, "Larry" <[email protected]>
enlightened us thusly:

>It is about time the goverment acted on this environmentally damaging policy
>of writing of vehicles as if they were used condoms.
>

yebbut, what else do you do with a penis extension?

--
Austin Shackles. www.ddol-las.fsnet.co.uk my opinions are just that
"Quos deus vult perdere, prius dementat" Euripedes, quoted in
Boswell's "Johnson".
 
On Monday, in article
<[email protected]>
[email protected] "Dave Liquorice" wrote:

> On Mon, 27 Jun 2005 06:37:52 +0100, Larry wrote:
>
> > It is about time the goverment acted on this environmentally
> > damaging policy of writing of vehicles as if they were used condoms.
>
> Whilst I'm inclined to agree, immersion in sea water is not good for
> almost anything, it really is nasty corrosive stuff.
>
> Steel will rust, Ali will corrode, especially at dissimilar metal
> junctions, Copper will turn to green gunge. All quite a slow process
> but with the minimum but highly complex engineering of a modern
> vehicle give it a year or two and the electrics will be falling apart
> along with the body. On a moncoque constructed vehicle that body rot,
> almost certainly hidden, could be lethal.

I used to run a Land Rover which had been used for inshore lifeboat
work.

The OP was talking about salt spray through broken windows, rather than
immersion, and the write-off does look a bit extreme, but I think your
last sentence does hit the key point. Modern designs are more
vulnerable than a Series III diesel. And they cost more to repair.
Also, read the accounts of how the Royal Marines do their amphibious
training, which pop up in the magazines -- specially prepared vehicles,
thoroughly washed in fresh water afterwards, and still with rust
problems.

--
David G. Bell -- SF Fan, Filker, and Punslinger.

"I am Number Two," said Penfold. "You are Number Six."
 
I recall Trillo's Ice cream van in Whitby, a landie conversion that spent
most of its working life on the beach. I read about it being caught out in
the tides once.

In Weston super Mare one used to be able to drive and park on the beach, I
have done it without instant disintegration to my motor.

Everything rusts eventually, and the salt from the gritters does as much
harm as any spray so should we write off everything that has driven behind a
gritter ?

The insurance company has no leg to stand on. If only I were a lawyer I
would eat them for breakfast.

If I dropped a camera in sea water I would be worried, but I would go on
using it till it fell apart. (mind you I have plenty to spare)


--
Larry
Series 3 rust and holes



""David G. Bell"" <[email protected]> wrote in message
news:[email protected]...
> On Monday, in article
> <[email protected]>
> [email protected] "Dave Liquorice" wrote:
>
..
>
> I used to run a Land Rover which had been used for inshore lifeboat
> work.
>
> The OP was talking about salt spray through broken windows, rather than
> immersion, and the write-off does look a bit extreme, but I think your
> last sentence does hit the key point. Modern designs are more
> vulnerable than a Series III diesel. And they cost more to repair.
> Also, read the accounts of how the Royal Marines do their amphibious
> training, which pop up in the magazines -- specially prepared vehicles,
> thoroughly washed in fresh water afterwards, and still with rust
> problems.
>
> --
> David G. Bell -- SF Fan, Filker, and Punslinger.
>
> "I am Number Two," said Penfold. "You are Number Six."


 
I think the moral of this story is that if you value your vehicle consider
insurance as a legal necessity but not a route to restitution in the event
of a mishap.

Weigh up the costs and the benefits before making a claim, and if you do not
want to risk a write off, you might as well write of the costs of repairing
it yourself.

Of course I cannot understand any personal attachement to a disco, they are
all the same to me :)


--
Larry
Series 3 rust and holes




"Bootneck" <[email protected]> wrote in message
news:[email protected]...
> Hi I had my TD5 written off recently due to the Storms of Jan, two windows
> broke and it was exposed to salt water spray for 12 odd Hours. I have
tried
> to buy it back as I live on a Scottish island and it would come in useful
> for allsorts of things. However my Insurance company have stated it is a
> class A write off, now I thought that was burnt out or chassis damage. I
> drove my vehicle to the ferry and had been using it for 3 months or so
with
> no problems. Any comments on why its a class A the engineers just says it
> because of the salt water but that could be repaired
>
> Many thanks
>
> Bootneck
>
> --
> Failure is not falling down, it is not getting up again.
>
>


 
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