The Retirement Thread

[BoldonLad]

I feel totally gutted, they are saying that the car is a write off and I just emptied it all out and even shed a tear (silly old fool).
I don't know what to do next I've been on the phone with the insurance company for an hour and expect a ton of mail in the next few day to fill out, but I'm not going to do anything in a rush.

The “write-off” designation is almost certainly that the cost of repair (at an insurance company approved repairer) would exceed the market value of the car. So, the insurance company take the cheapest option (for them), and payout market value.

One option, not without risk, would be to negotiate a settlement whereby you get the car plus some cash. Then, find a reliable small operator to repair.

Could be all a bit stressful.

 

[PaulSB]

Excellent news here.
Back from hospital with MrsD.
She has had the drain taken out.
The wound has healed well.
There is absolutely no sign of cancer now.
Its just a question of time now for the inside to heal.

Wonderful news. 🤗🤗

 

[Dirk]

@12boy Yay...it's Fish Friday!
Off to Minehead in 30 minutes for a 'Friday night' at our bestest mates new house.

 

[Flick of the Elbow]

Hello everyone, I’m back posting again. And I’ve updated my avatar by about 35 years.
Had the second jab the day before yesterday, felt terrible yesterday but ok today. Still avoiding shops and clubruns etc for the time being.
Glad to hear your news @Dave7.

 

[Deleted member 1258]

The “write-off” designation is almost certainly that the cost of repair (at an insurance company approved repairer) would exceed the market value of the car. So, the insurance company take the cheapest option (for them), and payout market value.

One option, not without risk, would be to negotiate a settlement whereby you get the car plus some cash. Then, find a reliable small operator to repair.

Could be all a bit stressful.

I know people who have done that successfully, someone I know had a door replaced by a member of the family using a door from the local scrap yard.

 

[BoldonLad]

I know people who have done that successfully, someone I know had a door replaced by a member of the family using a door from the local scrap yard.

Yes, it is a number of years ago now (ie 28, where did they go?), but, second youngest daughter, when 19, had an elderly Ford Fiesta, which was her pride and joy (and in good condition). Someone ran into back of it, at traffic lights. Insurance said it was a write-off. She negotiated with insurance Company and got the car, plus some money. Her then boyfriend knew a panel beater who fixed the car. If I recall, the registration document was endorsed in some way, to show it had been a write-off. This would, no doubt have impacted it's resale value, but, she did not want to sell, and ran it until it it finally died a peaceful death some years later, at the hands of the MoT Station.

It is (IMHO) a viable option if car is basically sound, and, you know somewhere or someone who can repair economically.

 

[classic33]

Hello everyone, I’m back posting again. And I’ve updated my avatar by about 35 years.
Had the second jab the day before yesterday, felt terrible yesterday but ok today. Still avoiding shops and clubruns etc for the time being.
Glad to hear your news @Dave7.

Do anything exciting whilst away.

 

[Deleted member 1258]

Yes, it is a number of years ago now (ie 28, where did they go?), but, second youngest daughter, when 19, had an elderly Ford Fiesta, which was her pride and joy (and in good condition). Someone ran into back of it, at traffic lights. Insurance said it was a write-off. She negotiated with insurance Company and got the car, plus some money. Her then boyfriend knew a panel beater who fixed the car. If I recall, the registration document was endorsed in some way, to show it had been a write-off. This would, no doubt have impacted it's resale value, but, she did not want to sell, and ran it until it it finally dies a peaceful death some years later, at the hands of the MoT Station.

It is (IMHO) a viable option if car is basically sound, and, you know somewhere or someone who can repair economically.

The car would become a category D write off , no structural damage, might be repairable, reduces the value and could make the car harder to sell. They've changed all the numbers now.

https://www.rac.co.uk/drive/advice/know-how/what-is-an-insurance-write-off/

 

[classic33]

Excellent news here.
Back from hospital with MrsD.
She has had the drain taken out.
The wound has healed well.
There is absolutely no sign of cancer now.
Its just a question of time now for the inside to heal.

Always nice to hear.

Will you still be washing her hair now.

 

[Flick of the Elbow]

Do anything exciting whilst away.

Yes, I updated my avatar

 

[classic33]

Yes, I updated my avatar

Not when you came back?

No KOM's lost or gained. No strava art or answers sought to stuff you never thought about before.

Hope you're okay, and no worse than anyone else on here.

 

[Dave7]

Always nice to hear.

Will you still be washing her hair now.

For the foreseeable future.
1. She has limited movement in one arm.
2. Her 3 crumbling discs make it more difficult.
Now the cancer has gone she can start medication to strengthen the spine.

 

[BoldonLad]

Always nice to hear.

Will you still be washing her hair now.

I am sure @Dave7 will have Mrs @Dave7 on "light duties" as soon as possible, with "normal duties" soon after, no point spoiling them

 

[numbnuts]

Look what I got only 83 miles on the clock.......................but I've got to hand it back

 

[Deleted member 1258]

From my Facebook page tonight.