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    Has anyone ever bought their car back from Aviva after it being written off by them?

    My car was written off by Aviva last night after a small scrape (through 2 car panels and an alloy wheel) and was just wondering if anybody's had any luck managing to buy back their car with Aviva after they have written it off?

    It was late last night so we didn't go into any negotitations and they've implied they wouldn't sell it back to me, and that after i'd agreed and accepted a settlement amount it would be their property.

    I'm wondering if as they're one of the bigger insurance companies they don't give the option to buy back.

    Thank you.

    13 Comments

    Our car was written off by aviva but they didn't take the car away. We kept it. Are you sure they said they were going to take your car away?

    My in-laws had their car written off but they got to keep it as well. Don't know their insurer though.

    Original Poster

    mutley1

    Our car was written off by aviva but they didn't take the car away. We … Our car was written off by aviva but they didn't take the car away. We kept it. Are you sure they said they were going to take your car away?My in-laws had their car written off but they got to keep it as well. Don't know their insurer though.



    Aww lovely thank you. I'm glad someone else has managed to keep their car through them. That's a weight off my mind

    If you retain car then they may deduct the salvage amount from your settlement , some insurance companies can take upto 35% from your valuation to retain it

    the other way is to ask for the car as part of the settlement. in the end the vehicle is your property until you sign anything.

    Well worth buying back and fixing it I buy salvage all the time

    Original Poster

    Think I'm going to buy it back in the negotiations. If they'll let me that is. Thank you all for your responses.

    Try push for a cash settlement instead of retaining salvage , that way it won't be recorded on miaftr as a total loss ( that could impact resale value of vehicle)

    I bought my old saxo for 8% of its value 13 years ago. I sold the engine on for than I paid for the car. It was not aviva though can't remember who it was.

    I'm with Hastings (I know that's not Aviva!). My car was written off and they originally said that they would retain the car. I complained and got to keep it with only £85 deducted from the money paid (this was the salvage value they said).
    Go on to their site and fill in the complaint form.
    Edited by: "Susannah" 25th Sep 2016

    Original Poster

    Thanks all. Definitely going to push to keep the car. It's still worth a good amount and will last a fair few years longer. I'll try a complaint if negotiations don't go well.

    nikkip13

    Thanks all. Definitely going to push to keep the car. It's still worth a … Thanks all. Definitely going to push to keep the car. It's still worth a good amount and will last a fair few years longer. I'll try a complaint if negotiations don't go well.



    Remember though if you keep the car and repair it will be minimum cat D write off. This will make the resale value a lot less. Some insurance companies won't insure a written off car and you must declare it in future sales which could put off a lot of buyers. Hypothetically a car that hasn't been written off is worth £10k vs the same car that has been written off is worth £3k

    barrel24

    Remember though if you keep the car and repair it will be minimum cat D … Remember though if you keep the car and repair it will be minimum cat D write off. This will make the resale value a lot less. Some insurance companies won't insure a written off car and you must declare it in future sales which could put off a lot of buyers. Hypothetically a car that hasn't been written off is worth £10k vs the same car that has been written off is worth £3k



    ​yes, but your example is pretty extreme, its not worth 70% less once repaired. 10-20% usually. most insurers wont be bothered, they will just cover it to the lower value but yes it must be declared in future sales

    It only has to be declared as a Cat C or Cat D in future sales if it is a garage selling it. If a private individual is selling then they only have to tell them if they ask.
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