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  1. #1
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    Default it's a write off

    i am still struggling to get my head around the fact that they writing it off with the amount of damage as in the pics....
    Does any one have any advice...
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    its a ....

    2003 Land Rover Discovery 2 TD5 ES auto facelift - ​Written Off - sold to insurance
    Ham: ZS6GS
    ORRA: Z152





  2. #2
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    Default Re: it's a write off

    Speak with Biltong here on forum.

    He'll have advice

    Edit: https://www.4x4community.co.za/forum...-Reborn-Thread
    Last edited by Prof; 2021/04/28 at 01:35 PM.
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  3. #3
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    Default Re: it's a write off

    Repair to value ratio, that's why. If the repair costs are a certain percentage of the vehicle value, it makes little sense for the insurer to repair the vehicle and have a possible second or even third claim against the vehicle further on.

    What is the insured value of the vehicle vs repair costs?

    Edit: from the pics, I can see quite a lot that needs replacing.
    Quarter panel, rear panel, door, bumper, flares, fender trim and that's not even starting repairs on the undercarriage and axle
    Last edited by jeepman85; 2021/04/28 at 01:36 PM.
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  5. #4
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    Default Re: it's a write off

    What is your vehicle insured for?
    What is the estimated costs of repairs?
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  6. #5
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    Default Re: it's a write off

    Quote Originally Posted by jeepman85 View Post
    Repair to value ratio, that's why. If the repair costs are a certain percentage of the vehicle value, it makes little sense for the insurer to repair the vehicle and have a possible second or even third claim against the vehicle further on.

    What is the insured value of the vehicle vs repair costs?
    Apparently damage is R72k less excess.... they are offering me R96k less excess to write it off..... or R55K and i keep the vehicle

    on the break down they say that the rear lower trailing arm is R17K and the side shaft is R9K

    its a ....

    2003 Land Rover Discovery 2 TD5 ES auto facelift - ​Written Off - sold to insurance
    Ham: ZS6GS
    ORRA: Z152





  7. #6
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    Default Re: it's a write off

    That's the problem with these old vehicles that have expensive replacement parts, we grow so attached to them and then if the day arrives that we bang them, it's like someone is taking your child away.

    Good luck!!

  8. #7
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    Default Re: it's a write off

    Quote Originally Posted by Gunston View Post
    Apparently damage is R72k less excess.... they are offering me R96k less excess to write it off..... or R55K and i keep the vehicle

    on the break down they say that the rear lower trailing arm is R17K and the side shaft is R9K
    Likely dealer prices to cover them in a warranty case. If I were the insurer, I'd write the vehicle off too, as much as it would pain me.

    Take the 55 and repair the vehicle, you can do a very decent job with that amount and still have some change left
    My speelding: 2012 VW Amarok 2.0 TDI
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  10. #8
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    Default Re: it's a write off

    Quote Originally Posted by Gunston View Post
    Apparently damage is R72k less excess.... they are offering me R96k less excess to write it off..... or R55K and i keep the vehicle

    on the break down they say that the rear lower trailing arm is R17K and the side shaft is R9K

    here is the estimate....
    Attached Images Attached Images

    its a ....

    2003 Land Rover Discovery 2 TD5 ES auto facelift - ​Written Off - sold to insurance
    Ham: ZS6GS
    ORRA: Z152





  11. #9
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    Default Re: it's a write off

    Quote Originally Posted by Morne - Skip View Post
    That's the problem with these old vehicles that have expensive replacement parts, we grow so attached to them and then if the day arrives that we bang them, it's like someone is taking your child away.

    Good luck!!
    so very true

    its a ....

    2003 Land Rover Discovery 2 TD5 ES auto facelift - ​Written Off - sold to insurance
    Ham: ZS6GS
    ORRA: Z152





  12. #10
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    Default Re: it's a write off

    You get panel beaters and panel fitters, that's an assessment from a panel fitter.

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  14. #11
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    Default Re: it's a write off

    Cost of repairs against value of the vehicle. See the post of Biltong repairing his own vehicle and with a donor vehicle he says it is still costing him a lot to repair. I had a client a whille ago who has a Hilux and it was damaged in an accident. The insured value was R 125 000 and the initial cost to repair was R 75 000. I asked the insurer to write it of but a clever assessor came and said he will have it repaired for less. Agreed and the client was not happy with the job and I did get the big brass in to come and have a look and they agreed to send to another Auto body reairer and the end result was R160 000 to the repairer and another R 32 000 car hire for them. Way more than what the vehicle was insured for. So they try and avoid borderline cases and write them of because they must repair in full if they decide to repair no matter the insured amount. That is why a lot of insurers start writing of from 50% and above. Remember and insured client is not the most agreeable person to accept a job done if they are not satisfied and that is another reason for rather writing of and get say 35% for the wreck from scrapyards.
    Hope you get what you want.
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  16. #12
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    Default Re: it's a write off

    An acquaintance of mine actually makes a living off written off vehicles. Uneconomical to repair, bring it to him and he repairs it. These guys often quote on agents parts as well, where the is aftermarket available or even used parts.

    I should've done that with our Sedona. Was only a headlight, bumper, radiator and some of the valance that was damaged. I'm sure I could've even repaired it at home....I should've, that was a nice vehicle. Question is what will you get for the money they give you....
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    Default Re: it's a write off

    Normally the insurer will deem it 'uneconomical to repair' if the cost to value exceeds 66%
    This is especially if there is mechanical damage.
    Mechanical damage nearly always results in future mechanical problems, which then need to be addressed by the initial repairer. Hence the reluctance to repair if there is substantial mechanical damage.
    You can buy back the car yourself and then they will pay you the difference between the 'salvage value' and the market value that they would have paid for the write off claim.
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  18. #14
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    Default Re: it's a write off

    I'm sure if they were prepared to replace the trailing arm with a used item the quote would come in at a cost that they could repair. Speak to them.

    In my opinion that is a rip-off price anyways.

  19. #15
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    Default Re: it's a write off

    Quote Originally Posted by Gunston View Post
    Apparently damage is R72k less excess.... they are offering me R96k less excess to write it off..... or R55K and i keep the vehicle

    on the break down they say that the rear lower trailing arm is R17K and the side shaft is R9K
    if u want to keep the vehicle take the K55 and go back to panel beater and tell him to requote u as u gone pay for the repairs yourself quote will drop 30% easily. the other problem is when they start tripping there might be more unforseen damage so that is why insurers write it off at 70% some at 50% as they get more for the salvage as to repair it up to 70% so the claim amount is actually less then for the insurer.


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  20. #16
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    Default Re: it's a write off

    Personally, I would keep it, take the settlement offer and get it fixed myself.
    Just saying.
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  21. #17
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    Default Re: it's a write off

    Quote Originally Posted by Peter1949 View Post
    Personally, I would keep it, take the settlement offer and get it fixed myself.
    Just saying.
    I agree. Clearly the vehicle is not damaged beyond repair - it is just a matter of costs. Even if it costs you a bit more than the R 55 000 you are getting, you have the peace of mind that you own a vehicle you know.
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  23. #18
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    Default Re: it's a write off

    Well
    What did you hit to move the rear axle forward by that amount ?

  24. #19
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    Default Re: it's a write off

    Quote Originally Posted by Gunston View Post
    Apparently damage is R72k less excess.... they are offering me R96k less excess to write it off..... or R55K and i keep the vehicle

    on the break down they say that the rear lower trailing arm is R17K and the side shaft is R9K
    The bean counter at the insurer looks at it this way, pay at least R72k and still have the risk of more damage or claims, or pay you R96k and sell the car for salvage of for say R40k, costing them only R55k.
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  26. #20
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    Default Re: it's a write off

    As mentioned we get attached to our vehicles.
    You can get another dico 2 for around R80-R110 quite easily so if you cant fix yourself then that is a good option to take the R96k
    Can you remove any extras before they settle?
    The other option you must ask yourself , would I get a car like this for R55k if it was not mine? probably not, but if you can fix it yourself (or most of it) then its a bit risky but certainly worth while.

    In my case and if I was allowed to remove any extras that I added then I would take the money R96k

    As we dont know what extras are added its difficult to give a definite answer

    Good luck either way
    Last edited by 12richardk; 2021/04/28 at 03:42 PM.
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