Once again thanks to all for the supportive posts, working through giving rep but can only give out about 3/4 per day for some reason:) Am thinking about maybe going down on Wednesday to see what i can take from it and probably get a couple of pics. Will see once i speak to the company that has it tomorrow and find out what the script with it is. Not 100% sure how this all works as never had an own fault accident, never mind a write off accident before so this is all new to me now.

Good luck with it mate, hopefully all will be well and you will end up happy with whatever you get out of it.

Really Gutted for you, Main thing as everyone else says is your ok.

Suspect its hard to see your pride and joy all bashed up, but if its got a lot of goodies on it, think I would buy it back from the insurance company.

Know youve got to have somewhere to store it, plus the cost of moving it, but if you sell off, or keep the bits and swap on to another car could be most cost effective.

Think if its an own fault accident you will have to pay the ins excess, and hope you have protected no claims, so that next time you have to insure you keep the years you have.

You sure there hadnt been an oil/petrol spillage on the corner, specially as the other car came off at the same place. Just seems a bit of a coincidence!!!


Hope your getting over it OK.

:yes::yes::yes::yes:

What exact;y had you done to the car that makes it so special. a lot of people on here seem to think you should buy it back from the insurance, and if you're getting another ZS seems to make sence if you've spent money on it. is there a thread somewhere showing your mod's history or out like that?

Sorry for your loss by the way.

The car is yours, so you're legally entitled to claim back any modifications you've made to it which have been declared mate. I was reading up on it somewhere but can't recall where.

http://www.themgzs.co.uk/vb/search.php

It was just a very well looked after, and from what I gather, cared for Zed and kept in good condition :)

Because it was one of the best examples of a zed that I have seen

Nowt that special, just had it pretty much the way I wanted it:)


Looks like nowts going to happen as bodyshop say unless it is personal belongings then i cannot ermove anything. Will speak to the insurers tomorrow to get their side. Been officially written off now too, total loss cat B said the message on my phone:(

Gutting Gary. Just a case of finding out price insurers will sell it back to you for, and then finding out how much it'd cost you to repair, then doing the sums as to whether it's worth it. What's damaged on the car? Just the bodywork, or are the chasis/wheels/engine fecked too?

Maybe it's a good chance for a new start though. There are plenty of bargain Zeds out there.

thats crap mate,sorry to hear that,get more info from the ins comp mate,its a real shame if ye cant get the stuff off it,but its still your car aint it?

if its a cat b you cant buy it back,thats what i got told when kel wrote mine off

sure if you swing the bodyshop a bit theyll let you take what you want off it mate if they sy(you cant take any bits off it

That right i was told the same for my 45

Would be a shame for you to start all over again from scratch.

Been off the forum for a bit but sorry to read that your car has had a nasty shunt by some-one not paying attention - regardless of it being your fault or not for the original accident!

Glad to read that you are ok though and that is the most important thing here!

hope you are either able to salvage the parts you want off it, or buy it back and get it sorted..... good luck with it.

Wonder what happens with insurance as it's two difference accidents! It may be the guy that shunted you pushed it from cat c to b. Surly they should be treated as separate.

yeah i know what you mean jay, surely he has to pay some of it? thats going to be complicated:S

Yep, I reckon it could be quite a drawn out process unfortunately with the insurers arguing who pays how much and to whom. Hopefully it will all get sorted sharpish though.

Yip no looking forward to the starting again bit but well thats what I might just have to do, ideally if i get another 180 it will have the 1st mods done to it like exhaust and induction. Will just have to see what turns up tbh:) An have to keep an eye out as to where mine is going salvage yard wise:)

get in there dig deep ma man,personally ad tie a rope to masel and drag it oot the scrappys,wouldny get far but thats how a felt after ma motor was done,fight aw the way,well just get a squad with tools! for taking the alloys etc off then strip it mate,get as much as we can lol:yes:

That's crap. As per my previous post you have a legal entitlement, just wish I could remember where I read it. Do a bit of research mate.

Sorry rain on your parade TJ, but you dont have any entitlement to get bits from the car, since the car is at a bodyshop, after being recoverd from the accident the bodyshop and the insurance have owership up until the they decide what is happening with the vehicle.

Some good Info here:

What is a total loss or write off? It arises where the cost of repairs to a car exceed the value of the car, taking into account the salvage value.

So lets say your car is badly damaged. This could have arisen from an accident, a fire, or theft damage. And it costs, say ?5000 to repair it. If the value of your car is , say ?5,500 and the salvage is worth ?600 then it is cheaper for your insurer to total loss the car rather than repair it.

Suppose the salvage is only worth ?400. The chances are they will still total loss the car. The estimated cost of ?5000 to repair is based on a visual inspection and assessment of the damage. There could be more damage discovered if it were stripped down. So it would be regarded as a border line total loss.

Total loss procedure. As soon as it is clear that your car is going to be a total loss, your insurer will want the following things to happen.

1) They will want to move the damaged car into 'free and safe storage'. This is usually at a salvage dealer. The reason is simple. Garages have discovered there is easy money to be made. They won't get the repair job but they can charge your insurer just for keeping your car on their premises. Some charge extortionate daily rates that make car clamping fees seem like peanuts! Even the cheapest rates are similar to car parking fees in Central London. Insurers pay out millions of pounds each year for storage charges so they want to move your car FAST!

Because a few policyholders have caused problems and cost them unnecessary money they might even tell you they are going to move it in 48 hours rather than asking your permission. What has happened on occasion is that the salvage teams move so quickly that the salvage truck is collecting the car before they've even told you it is a total loss! Naturally this can be upsetting to some people.

But taking into account the reason, please be understanding! They are not disposing or your car, just moving it to save money. You might ask why you should worry about saving your insurer money? The reason is simple. The more they pay out on claims, the more you pay out on premiums. It is in your interest to help them save money.

My advice is - help them. Always agree to have it moved from a garage. If you refuse, they can insist you pay the storage charges from the point of your refusal.

Sometimes with an older car, it can be a total loss yet still be safe and legal to drive. It might have a low value and only some minor cosmetic damage. Often insurers will let you keep this at home whilst the next steps in the procedure take place, provided it is not incurring any charges.

2) They will ask you for the vehicle documents. That is the V5, registration document; MOT certificate if your car requires one; and possibly purchase receipts, service records, keys and details of any outstanding finance. They will ask for your Certificate of Insurance to be returned. They will need the original documents before they settle your claim. Copies to start with will suffice but will delay the process.

If you ask them why they want these documents, they will probably tell you they need to check they have the right model of the car, that it had a valid MOT and proof of service record to establish that is has been maintained. These are all valid reasons. But they also want to check out your claim for fraud. Official documents have several anti-fraud measure built into them by the issuing Government agency. A careful check on the originals will enable the claims official to establish quickly that these are genuine documents and not fake. If there is doubt, they can use forensic science equipment to validate the documents. You would have to be a very clever fraudster to forge successfully all these documents.

My advice is - let your insurers have the original documents as soon as they ask for them. Just sending copies delays your claim.
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3) Whilst you are waiting for your settlement proposals, your insurers will be doing other things as well. They will record the claim on the 'motor insurance anti fraud and theft register'. (MIAFTR) This is a national data base that has been recording all insurance total loss vehicles and stolen cars since the early 1980's. It checks your car against all the information in the database to see if it has ever been the subject of an insurance total loss before, or whether it has been previously stolen and not recovered. It checks against your name and address; post code; your vehicle's registration number and VIN (vehicle identification number). If there is a match further questions will be asked of you and your insurer might go into 'fraud investigation' mode.

MIAFTR also automatically checks your car against the HPI (Hire Purchase Information). If you took out finance to buy it and you still owe money, it will be on this database. And your insurer will find it. So be honest and tell them about your finance. The finance company is the legal owner of your car. Any settlement must be made to them until the loan is paid off. Anything left over goes to you.

Similarly, your claim will be recorded on CUE (Claims and Underwriting Exchange). This happens automatically on all motor and household claims. Not all insurers subscribe but the vast majority do.

Problems arise where the outstanding loan exceeds the value of the vehicle. The insurance policy does not pay off the loan in full.

I recall a scheme for motor cycles. Young people went into a shop, bought a new motor cycle plus all the leathers, helmets and so on with finance against the vehicle. The interest on the loan was very very high. A few days later there was an accident and they would total loss it (or it was stolen). The value of the motor cycle was much less than the total purchase price plus the interest. It caused a lot of upset which was blamed on the insurer and not the stupidity of the motorcyclist for entering into such a bad deal with the shop.

4) Your insurer will be obtaining bids for the salvage. The more they can get, the less the final cost of your claim. There has been a lot of controversy about cars which have been written off finding their way back on to the road. Or being purchased by the criminal fraternity to aid their disguise of a stolen vehicle.

The Association of British Insurers (ABI) have issued a code relating to the disposal of vehicle salvage that meets current legislation as well. All member companies adhere to this code. The result is that most salvage is sold by insurers to reputable salvage dealers. If it is damaged to an extent that meets certain criteria, it will be issued with a code that requires the vehicle to be broken up or scrapped. Cars with less damage could still be repaired and put back on the road. See the section on retaining the salvage.

5) Once all these hurdles have been overcome your insurers will make a settlement proposal to you.

Their engineer will have looked up the trade publications to value the vehicle, amending these figures for the age, condition and mileage of your car. And his knowledge of the local car market. The final figure he comes up with forms the basis of the settlement value given to you. An excess might have to be deducted along with any outstanding finance.

Your insurer should make it clear to you precisely how much you will receive and explain any adjustments to you. If you pay your premium by Direct Debit, the chances are that any remaining premium will also be deducted from the settlement cheque. We shall come back to the subject of premiums in a moment.

6) When you have accepted the value (some insurers might require your signature to a document called a 'form of discharge') you will be sent a cheque.

7) Your insurers then own the remains of your car and, subject to legislation and those ABI codes, can do what they want with it. This will inevitably mean they will sell the salvage.

Also Personalised registration on your vehicle.

You?ll need to transfer or retain your personalised registration before you dispose of the vehicle. If you don?t, you?ll lose your entitlement to the registration number.

Tell your insurance company not to dispose of the vehicle until the transfer or retention application is complete. Ask them to make sure the vehicle is available for inspection.

You?ll also need to get a:

* letter of no interest from the insurers confirming they are happy for you to transfer or retain the vehicle registration number
* copy of the engineer's report confirming the vehicle?s details

Excellent article here

Good article. Just underlines the fact that we should, if at all possible, get the vehicle recovered to home in order to remove any items before handing over to the insurer. This I found out after the wife's jeep was written off, as that had a few extras we could have sold on ebay. Had I had the opportunity to remove the stainless roll bars, side steps etc, it wouldn't make any difference to the final cheque we received, but would have gained a few ?s along the way.

Ah, so it only applies before it's handed over to the recovery place?

Absolutely gutted to here news like this, must admit I admired and looked up pictures of your car more than once. As said though at least you’re well and your health is the important part keep your head up and your luck can only get better.

Couldn’t agree more with people though, you need to track down the spoiler even if it’s just to sell to an enthusiast.

Pretty much, as done this way the insurer doesn't know about it until you actually tell them. Then they will get it collected by their local approved repairer. Only issue is getting the car recovered off the road where it can be 'stripped'.

The Police recovery service will bill all recovery and storage charges via the insurance company. So if a non-fault accident the bill will go to the 3rd party via your insurer or if own-fault you'll be looking to pay this out of the balance if a total loss. It pays to have the legal cover on your policies to take care of the fallout from accidents.

I checked it out on steves scotland detailing thread. Oh yeah, it was lurvley. like the titanium sparkle alloys, gonna copy that.

Just seen this thread, due to having no broadband. Absolutely gutted for you mate, I can honestly say, your car was my favourite ZS. Just glad your ok dude.

Cheers bud, hopefully be getting another once everything is settled. :) Reckon my could turn up at copart whitburn...though that is me assuming a bit lol:)

Well got the settlement figure through from the insurers yesterday and was quite happy with it so accepted and should have it through next week. Am at the moment enquiring about another MK2 180, so will see how it goes:)

Good to hear Gary, shame you lost a few bits from off the original one.

excellent mate,good on ya,cant wait to see what ye have planned, when ye do get yer next one!!!

Cheers Mick, aye but if I get what i am after then all i will have lost is,
xpower spoiler
painted dash
Lowering springs
HID's

An a few more wee bits a pieces but they are probably the biggest things, they may turn up somewhere yet but have yet to see her on a salvage site, though am only looking on copart as not sure what others there are for the area it was in:)


No sure yet bud, just at enquiry stage tbh. Was just going to get one a store it at my folks but the insurance quote i got with 1 yr NCD was the same as the renewal quote i got with 11 yrs lol (11yrs on Metro the now) :D

Best of luck with the replacement, looks like a load of good ones to choose from.

:wave: :wave:

at least youll have a new toy soon gary, as said any help needed know where i am

Here are some that i know of

http://www.hbc.co.uk/

http://www.bluecycle.com/

http://www.copart.co.uk/c2/home.html

Going to see this zs at the weekend with a view to purchasing it:D
http://www.autotrader.co.uk/classifi...ge/2?logcode=p

Standard and low mileage, would get my old extreme spoiler painted and fitted then just carry with doing my own things to it.:)

Someone else on here is looking at that one!

Nooooo dont do it, you'll learn to love this one more, I promise!

Oh no, wonder who it is....*goes to search so I know who to put a hit out on*:(


lol, just not me bud...but at least your helping KevG feel better about himself:D ;)