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Know what you mean, I sometimes feel my insurance is pointless... Well not to the insurance companies obviously. Having a 23yr old car that cost me £3,000 and hasn't appreciated yet means I fear the day anything happens. My affection for the car unfortunately isn't of any currency so expect to be told it's a write off if the wing mirror gets scratched.
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We bought our old Mini Cooper S Clubman for £10k, when the GF got T boned, it caused £5.5k’s worth of damage, and they fixed it instead of writing it off. Car was wonky as fuck when they finished the ‘repair’... I’m sure the chassis was bent. Door gaps were all over the shop. Got rid of it straight away. The dealer we part exed it with didn’t even look it over, just typed the reg into his computer and offered us £7.5k for it. Total madness.
Insurance makes no sense at all.
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jambon
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@BRM
My Golf is in with a local dude down here for a new wing, two door skins and two repairs after a run in with a hedgerow.
£920 (+ VAT). He said it would definitely be a write off through insurance. A WRITE OFF! A £6,500 written off by a bit over a grand’s worth of damage. Bonkers.