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Thread: Inspecting my first Disco tomorrow

  1. 28th November 2014, 11:09 AM #41
    4evershiva
    4evershiva is offline Master
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    Won't the insurer just issue a write off for situation like this and give you the agreed value money for the next purchase.
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  2. 28th November 2014, 12:56 PM #42
    Sc0tt
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    Hi 4evershiva

    You are right. If they deem it a write off I will get the agreed value, less my excess and less any outstanding insurance premium (in my case none, since I paid up front for the full year).

    I am just not sure which way they will go. I think it will be close, depending on what they value the salvage at.

    Regards
    Scott
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  3. 28th November 2014, 01:42 PM #43
    BobD
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    You should buy it from the insurer to use as a bush basher. Bush pin striping can only improve on its current condition!!


    Bob
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  4. 28th November 2014, 05:07 PM #44
    morpheus
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    Sorry to hear this, Sc0tt. Hope you don't get mucked about by the insurer.

    James
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  5. 28th November 2014, 08:18 PM #45
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    LandyAndy
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    Scott.
    Look into this if you like the Disco.
    They changed rules in WA after a huge hail storm a few years ago.If the insurance company wrote the vehicle off for hail damage it could continue to be registered without going on a WOVR.
    Seek the payout figure and see if you can buy the "wreck",then re-insure as third party only(they will never fully insure it again).Keep it hail damaged as an off roader,or even your daily drive.It should be more aerodynamic,think golf ball
    Being a new purchase,the economics may not work out to buy the write off from the insurance company,it certainly does in a vehicle that has lots of coins spent improving it whilst the market value doesnt reflect the cost it owes the owner.
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  6. 3rd December 2014, 01:25 PM #46
    Sc0tt
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    Well, the car was deemed a total loss. They will collect it over the next few days and pay out the finance and send me the difference.

    Bummer.....

    Have to start looking all over again! And we had already planned Christmas travels. Luckily I haven't gotten around to selling the old car yet. Trouble is the old car doesn't fit all the kids.

    Regards
    Scott
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  7. 3rd December 2014, 01:35 PM #47
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    winaje
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    Quote Originally Posted by Sc0tt View Post
    Well, the car was deemed a total loss. They will collect it over the next few days and pay out the finance and send me the difference.

    Bummer.....

    Have to start looking all over again! And we had already planned Christmas travels. Luckily I haven't gotten around to selling the old car yet. Trouble is the old car doesn't fit all the kids.

    Regards
    Scott
    Bugger, really sorry to hear that Scott. Will you come out of it ahead or behind financially?
    Regards, Will

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  8. 3rd December 2014, 02:24 PM #48
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    shanegtr
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    That would suck so soon after getting one. Ah well not much you can do about it and thats part of the reason you pay for insurance isnt it
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  9. 3rd December 2014, 03:26 PM #49
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    Epic pooh
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    That's a bummer Scott. Good luck with search version 2.0 ! At least you're well experienced this time out.
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  10. 3rd December 2014, 05:01 PM #50
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    Nomad9
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    Hi Sc0tt,
    You can now go and get the 4.4 you should have got in the first place.................... everything does happen for a reason.
    Last edited by Nomad9; 3rd December 2014 at 05:09 PM. Reason: fat finger syndrome.
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