Car insurance dilemma

[Martyn]

Hi Blues,
I have a bit of a dilemma that I would like your opinion on. A couple of weeks a go a 4x4 went into the back of my Corsa at a set of traffic lights. It resulted in a bit of damage at the back mainly the boot no longer opening and the lights smashed. I contacted my insurers and the car has been sent off for repair whilst I have a courtesy car. The contacted me this morning to say that they don't feel it's worth repairing and have offered me two options:
1) £7,654 to buy a new car. Or
2) I get my car back as is and £5,970 to repair it myself.
I'm unsure what to do as I know if I get my car back and fix it, it will be a Cat D. To me that isn't a problem but it means the sell on value will be dramatically reduced.
Has anyone else been in a similar situation?

 

[Uncle Wally One Ball]

Take the money and buy a different one

 

[RadcliffeRick]

You are fucked when you renew your insurance:-(

 

[Centurions]

Will being a Cat D car not affect the insurance on the car in the future and posibly with immediate effect?

Since someone ran in to you should you not be claiming off their insurance anyway?

 

[Gaylord du Bois]

Since someone ran in to you should you not be claiming off their insurance anyway?

My thoughts too.

 

[Martyn]

Yeah it is at their insurers cost

 

[aguero93:20]

Hi Blues,
I have a bit of a dilemma that I would like your opinion on. A couple of weeks a go a 4x4 went into the back of my Corsa at a set of traffic lights. It resulted in a bit of damage at the back mainly the boot no longer opening and the lights smashed. I contacted my insurers and the car has been sent off for repair whilst I have a courtesy car. The contacted me this morning to say that they don't feel it's worth repairing and have offered me two options:
1) £7,654 to buy a new car. Or
2) I get my car back as is and £5,970 to repair it myself.
I'm unsure what to do as I know if I get my car back and fix it, it will be a Cat D. To me that isn't a problem but it means the sell on value will be dramatically reduced.
Has anyone else been in a similar situation?

Take the £7,654, respray the courtesy car and change the plates and report it stolen. Then wait a few months and when the insurance company have let their guard down, brick the cunts windows before torching the courtesy car after driving it through the front doors and claim off the insurance. Rinse and repeat.

 

[blue b4 the moon]

Take the money, you could have any amount of unseen damage such as a weakened frame etc.

 

[Gaylord du Bois]

Take the money, you could have any amount of unseen damage such as a weakened frame etc.

Quite but he shouldn't be claiming on his insurance.

 

[blue b4 the moon]

Quite but he shouldn't be claiming on his insurance.

He's not he's clarified that in a later post.