#1: Written Off Author: 20Drift, Posted: Tue Dec 04, 2012 2:32 pm ---- Hi Guys,
Last September got a 1.4 LX Peugeot (1999), for £500 from a local dealer, and immediately fell in love with it! It was a great little runner, with cheap insurance, and a decent fuel consumption.
On Friday, I lent the car to my brother, as his car is in the garage. He needed it to go down to the shops, alas that was the last time I saw the car in working order. He was doing a hill start, and decided that it'd be a good idea to dump the clutch after revving it to 4500. As you can guess, the stock clutch didn't agree with that, and pretty much disintegrated, causing him to roll back into a Land Rover that was speeding up to catch the lights, (my brother panicked and thought the clutch was the brake pedal).
I don't think the other driver was paying much attention, because he didn't slow down, and shunted my poor pug up the rear end.
Damage to his car included a reasonable dent to the front bumper, and some light scuffs on the grille.
Damage to my car included a disintegrated clutch, concaved tailgate and rear bumper, one shattered rear light, and the dreaded bent chassis. Needless to say I'm pretty p**sed at the moment. It (was) my first car, and I only had two months until I had my first year of NCD under my belt.
My brother called up the insurance, and they came and looked at it the next day at the garage. Got a call on Monday and they've decided that it's cheaper to replace than to repair, which is very unfortunate, since I loved the little thing. I went to the car to get my camera, (also broken thanks to it being in the boot at the time), my stereo, and what's left of my sub and amp.
Now I'm in the market again for another car, and really would like another 206! I'm toying with the idea of getting a 1.6 HDi, (non-intercooled version), to get more miles for less fuel, however I've seen some bad rep on here about the engine. The insurers paid me out just under £1000 for the car, so I'm willing to chip in a bit for a new one.
My question is: Should I get a 1.6HDi or a 1.6XSi, and roughly what will the insurance on both be?
(For 17 year old driver, [18 in 3 months], 1 claim, no convictions. Car kept on drive, no engine modifications intended).
Thanks guys! Last edited by 20Drift on Tue Dec 04, 2012 2:48 pm; edited 1 time in total
#2: Re: Written Off Author: broadblaster, Location: south coastPosted: Tue Dec 04, 2012 2:41 pm ---- all you can do is try a few diffrent co's to give you a rough idea on price mate as they look at lots of diffrent things to get your price.
also why do you have a claim if your brother was driveing it will be against him not you.
even if he is on your insurance it was his driveing not yours so claim will against his name not yours
#3: Re: Written Off Author: 20Drift, Posted: Tue Dec 04, 2012 2:52 pm ---- I wrote that a bit badly - he called up and claimed on his part, but then gave me the money to replace the car as it was his fault. The claim was for something that happened three weeks before, (a local hoodlum thought it would be funny to smash two of my windows in and then kick my rear bumper). I had to claim as it was too expensive for me to repair without the insurer's help at the time.
#4: Re: Written Off Author: broadblaster, Location: south coastPosted: Tue Dec 04, 2012 3:05 pm ---- ah right got you now, i know you was skint but would have worked out better to have got glass from a scrap car and not had a claim as this will cost you more when you do come to renewal time.
as said you can do some online quotes to give you a rough idea on price mate.
#5: Re: Written Off Author: anton1989, Location: west midlandsPosted: Tue Dec 04, 2012 3:17 pm ---- just wondering why even after the bad rep you want the 1.6hdi? if insurance is to much for th 2.0hdi get the 1.4hdi if a hdi is what you want? could always remap it?
17 with a clailm insurance will not be cheap on any car i would think?
sorry to hear about the car, at least no1 was hurt
#6: Re: Written Off Author: 20Drift, Posted: Tue Dec 04, 2012 3:37 pm ----
broadblaster wrote:
ah right got you now, i know you was skint but would have worked out better to have got glass from a scrap car and not had a claim as this will cost you more when you do come to renewal time.
as said you can do some online quotes to give you a rough idea on price mate.
I was looking around for some glass and a panel, but there were no local scrappies selling the glass, and I needed the car two days after it occurred. Will do, thanks for the advice!
anton1989 wrote:
just wondering why even after the bad rep you want the 1.6hdi? if insurance is to much for th 2.0hdi get the 1.4hdi if a hdi is what you want? could always remap it?
17 with a clailm insurance will not be cheap on any car i would think?
sorry to hear about the car, at least no1 was hurt
I've skim read it - it seems that people have more trouble with the intercooled diesel engine, which I thought was the 2.0HDi, not the 1.6HDi, although I may be wrong. If the 1.4HDi is more reliable, I'd rather get that - can't be arguing with 60mpg!
It's not too bad, as the claim wasn't too much. The premium went up £260, but I moved houses to a more rural area, and it's started to go down again. Luckily no-one was hurt! Only my brother's pocket
#7: Re: Written Off Author: LeeThr, Location: North West WalesPosted: Tue Dec 04, 2012 4:29 pm ----
20Drift wrote:
broadblaster wrote:
ah right got you now, i know you was skint but would have worked out better to have got glass from a scrap car and not had a claim as this will cost you more when you do come to renewal time.
as said you can do some online quotes to give you a rough idea on price mate.
I was looking around for some glass and a panel, but there were no local scrappies selling the glass, and I needed the car two days after it occurred. Will do, thanks for the advice!
anton1989 wrote:
just wondering why even after the bad rep you want the 1.6hdi? if insurance is to much for th 2.0hdi get the 1.4hdi if a hdi is what you want? could always remap it?
17 with a clailm insurance will not be cheap on any car i would think?
sorry to hear about the car, at least no1 was hurt
I've skim read it - it seems that people have more trouble with the intercooled diesel engine, which I thought was the 2.0HDi, not the 1.6HDi, although I may be wrong. If the 1.4HDi is more reliable, I'd rather get that - can't be arguing with 60mpg!
It's not too bad, as the claim wasn't too much. The premium went up £260, but I moved houses to a more rural area, and it's started to go down again. Luckily no-one was hurt! Only my brother's pocket
In a standard 206 the 2.0 hdi is no intercooler and bulletproof, the 1.6 has an intercooler and is full of problems
#8: Re: Written Off Author: 20Drift, Posted: Tue Dec 04, 2012 4:52 pm ----
LeeThr wrote:
In a standard 206 the 2.0 hdi is no intercooler and bulletproof, the 1.6 has an intercooler and is full of problems
Is the 1.4HDi also bulletproof?
#9: Re: Written Off Author: LeeThr, Location: North West WalesPosted: Tue Dec 04, 2012 6:04 pm ----
20Drift wrote:
LeeThr wrote:
In a standard 206 the 2.0 hdi is no intercooler and bulletproof, the 1.6 has an intercooler and is full of problems
Is the 1.4HDi also bulletproof?
Havent really heard much go wrong with them, there no where near as fault ridden as the 1.6hdi though, only real issue with them is in standard tune they can be a bit gutless at times. Other than that, just regular service items really.
#10: Re: Written Off Author: E5GDM, Location: EssexPosted: Tue Dec 04, 2012 10:06 pm ----
20Drift wrote:
He was doing a hill start, and decided that it'd be a good idea to dump the clutch after revving it to 4500. As you can guess, the stock clutch didn't agree with that, and pretty much disintegrated, causing him to roll back into a Land Rover that was speeding up to catch the lights, (my brother panicked and thought the clutch was the brake pedal).
I don't think the other driver was paying much attention, because he didn't slow down, and shunted my poor pug up the rear end.
It (was) my first car, and I only had two months until I had my first year of NCD under my belt.
How far did he roll backwards down the hill after 'panicking'? Must have been some distance if the land rover wasn't even partially at fault after hitting him up the back 'without trying to stop'.
Also how come you 'only had two months until you had your first year of NCD?
As in a later post you said you'd already had a claim 3 weeks before after a 'local hoodlum' trashed your car.
#11: Re: Written Off Author: 20Drift, Posted: Wed Dec 05, 2012 3:11 am ----
E5GDM wrote:
How far did he roll backwards down the hill after 'panicking'? Must have been some distance if the land rover wasn't even partially at fault after hitting him up the back 'without trying to stop'.
Also how come you 'only had two months until you had your first year of NCD?
As in a later post you said you'd already had a claim 3 weeks before after a 'local hoodlum' trashed your car.
It was a 1 in 3 hill, but I wasn't there so don't know how far back it rolled, but he will still rolling back when he got rear-ended. The land rover was speeding (around 45mph according to the police report), to catch the lights.
I had the 2 months of NCD until I claimed on the damage done. It happened in the same month, hence I still had 2 months to go until my 1 year of NCD.
Satisfactory explanation?
#12: Re: Written Off Author: kurosagi01, Location: NorthamptonPosted: Wed Dec 05, 2012 4:28 am ---- I would forget about 206 because they cost more to insure than any other cars in my opinion,as much as i like and loved 206 i would not bother again.
Not unless you found good deal and you can get good price to insure it why not.
#13: Re: Written Off Author: 20Drift, Posted: Wed Dec 05, 2012 4:41 am ----
kurosagi01 wrote:
I would forget about 206 because they cost more to insure than any other cars in my opinion,as much as i like and loved 206 i would not bother again.
Not unless you found good deal and you can get good price to insure it why not.
I got a few quotes this morning for a nice little 1.4HDi up in Chelsea, and it was about £4000 p/y, but I'm considering getting a telekinematics box fitted to get a lower premium.
#14: Re: Written Off Author: MrBSI, Location: What's it to you? ? ?Posted: Wed Dec 05, 2012 5:01 am ----
kurosagi01 wrote:
I would forget about 206 because they cost more to insure than any other cars in my opinion
Only for you youngsters as you lot keep smashing them up, for old b******s like me there still cheap to insure
#15: Re: Written Off Author: kurosagi01, Location: NorthamptonPosted: Wed Dec 05, 2012 5:19 am ----
MrBSI wrote:
kurosagi01 wrote:
I would forget about 206 because they cost more to insure than any other cars in my opinion
Only for you youngsters as you lot keep smashing them up, for old b******s like me there still cheap to insure
True lol but i find it amusing that most 206 in Northampton that i see mostly driven by old people or females.
#16: Re: Written Off Author: MrBSI, Location: What's it to you? ? ?Posted: Wed Dec 05, 2012 5:24 am ----
kurosagi01 wrote:
MrBSI wrote:
kurosagi01 wrote:
I would forget about 206 because they cost more to insure than any other cars in my opinion
Only for you youngsters as you lot keep smashing them up, for old b******s like me there still cheap to insure
True lol but i find it amusing that most 206 in Northampton that i see mostly driven by old people or females.
Spotted some d**k in a transit yesterday on that slip road you had your accident on the other week pull out in front of a hgv on the dual carriageway, I never knew Mercedes tractors units had emergency brake assist fitted
Hgv couldn't move over as there was a Jag X type in the outside lane.
#17: Re: Written Off Author: kurosagi01, Location: NorthamptonPosted: Wed Dec 05, 2012 5:34 am ----
MrBSI wrote:
kurosagi01 wrote:
MrBSI wrote:
kurosagi01 wrote:
I would forget about 206 because they cost more to insure than any other cars in my opinion
Only for you youngsters as you lot keep smashing them up, for old b******s like me there still cheap to insure
True lol but i find it amusing that most 206 in Northampton that i see mostly driven by old people or females.
Spotted some d**k in a transit yesterday on that slip road you had your accident on the other week pull out in front of a hgv on the dual carriageway, I never knew Mercedes tractors units had emergency brake assist fitted
Hgv couldn't move over as there was a Jag X type in the outside lane.
Lol i swear that slip road is accident prone ever since they marked it with those markers, i have never had issue before they marked it.
Making the road more narrow is just stupid.
#18: Re: Written Off Author: MrBSI, Location: What's it to you? ? ?Posted: Wed Dec 05, 2012 5:46 am ----
kurosagi01 wrote:
Lol i swear that slip road is accident prone ever since they marked it with those markers, i have never had issue before they marked it.
Making the road more narrow is just stupid.
It's always been marked, the chevron's where on the right hand side for years, since they moved them over to the left hand side its got worse.
#19: Re: Written Off Author: kurosagi01, Location: NorthamptonPosted: Wed Dec 05, 2012 5:51 am ----
MrBSI wrote:
kurosagi01 wrote:
Lol i swear that slip road is accident prone ever since they marked it with those markers, i have never had issue before they marked it.
Making the road more narrow is just stupid.
It's always been marked, the chevron's where on the right hand side for years, since they moved them over to the left hand side its got worse.
Yeah i knew the right was marked but it slowly rubbed off the road, the one on left hand side definitely made it worse. I wonder if they got bored or something and had some paint left and just decide to mark left hand side too.
#20: Re: Written Off Author: E5GDM, Location: EssexPosted: Wed Dec 05, 2012 1:32 pm ----
20Drift wrote:
It was a 1 in 3 hill, but I wasn't there so don't know how far back it rolled, but he will still rolling back when he got rear-ended. The land rover was speeding (around 45mph according to the police report), to catch the lights.
So have they charged anyone with anything?
20Drift wrote:
I had the 2 months of NCD until I claimed on the damage done. It happened in the same month, hence I still had 2 months to go until my 1 year of NCD.
.
20Drift wrote:
Satisfactory explanation?
Still don't get it as you've asked, sounds a bit bizarre to say the least. But as long as you do that's all that matters.
#21: Re: Written Off Author: 20Drift, Posted: Wed Dec 05, 2012 3:22 pm ----
E5GDM wrote:
20Drift wrote:
It was a 1 in 3 hill, but I wasn't there so don't know how far back it rolled, but he will still rolling back when he got rear-ended. The land rover was speeding (around 45mph according to the police report), to catch the lights.
So have they charged anyone with anything?
20Drift wrote:
I had the 2 months of NCD until I claimed on the damage done. It happened in the same month, hence I still had 2 months to go until my 1 year of NCD.
.
20Drift wrote:
Satisfactory explanation?
Still don't get it as you've asked, sounds a bit bizarre to say the least. But as long as you do that's all that matters.
Not charged anyone yet, as there was no proof of him speeding, just the word of my brother against him and the damage to the car.
I was basically asking if I should take the plunge with a 1.4HDi, and asking if they were reliable or not.
#22: Re: Written Off Author: macca1411, Location: Westhoughton, LancashirePosted: Wed Dec 05, 2012 5:12 pm ----
20Drift wrote:
E5GDM wrote:
20Drift wrote:
It was a 1 in 3 hill, but I wasn't there so don't know how far back it rolled, but he will still rolling back when he got rear-ended. The land rover was speeding (around 45mph according to the police report), to catch the lights.
So have they charged anyone with anything?
20Drift wrote:
I had the 2 months of NCD until I claimed on the damage done. It happened in the same month, hence I still had 2 months to go until my 1 year of NCD.
.
20Drift wrote:
Satisfactory explanation?
Still don't get it as you've asked, sounds a bit bizarre to say the least. But as long as you do that's all that matters.
Not charged anyone yet, as there was no proof of him speeding, just the word of my brother against him and the damage to the car.
I was basically asking if I should take the plunge with a 1.4HDi, and asking if they were reliable or not.
You have said that the police report says that Land Rover driver was doing 45mph, but then say that there was no proof of him speeding. Your brother could say that the speed was in excess of 30mph (if he wasn't panicking and hitting the wrong pedal), but unless he could see the speedo at the time he couldn't say what speed the Land Rover was doing. Try standing at the side of the road and accurately guess the speed of the cars that are going past. Not easy.
I would question your brothers ability to drive if he hit the clutch thinking it was the brake. The majority of people use their right foot to brake, so it is near on impossible to accidentally hit the clutch with your right foot.
This seems like one of infos usual c**k and bull stories about a collision where someone is trying to lay the blame somewhere else or isn't being 100% accurate with the version of events.
#23: Re: Written Off Author: bezford, Location: darlingtonPosted: Wed Dec 05, 2012 5:18 pm ---- You might want to wait a month or two until these price revised policies come in....they are walloping womens quotes putting them up inline with us blokes and lowering our mens to meet womens prices to match for equality...good for us single men but we may not benefit at all...just more fuckix money...
Also avoid these speciality sites like young driver specialist or sports car specialists...they're just more expensive...focus on comparison sites or even try and find an insurance broker rather than a provider......finally if you see site"martins money advice"you will find all those little tricks that combine to bring quotes down like occupation renaming,cars colour,postcode,etc.etc...
Maybe a little polo(great cars)or clio or mazda 323 3door or even a mini if your a fan and really suffering with mental insurance quotes...if your not that desperate yet you can always barter with them and try adding your mum or dad or similar to your policy as they can often bring costs down without too much hassle maintaining your ncb..
#24: Re: Written Off Author: E5GDM, Location: EssexPosted: Wed Dec 05, 2012 9:32 pm ----
macca1411 wrote:
This seems like one of infos usual c**k and bull stories about a collision where someone is trying to lay the blame somewhere else or isn't being 100% accurate with the version of events.
Stop sugar coating things Macca
& I thought it was only me that was sceptical.
#25: Re: Written Off Author: 20Drift, Posted: Thu Dec 06, 2012 1:28 am ----
macca1411 wrote:
You have said that the police report says that Land Rover driver was doing 45mph, but then say that there was no proof of him speeding. Your brother could say that the speed was in excess of 30mph (if he wasn't panicking and hitting the wrong pedal), but unless he could see the speedo at the time he couldn't say what speed the Land Rover was doing. Try standing at the side of the road and accurately guess the speed of the cars that are going past. Not easy.
I would question your brothers ability to drive if he hit the clutch thinking it was the brake. The majority of people use their right foot to brake, so it is near on impossible to accidentally hit the clutch with your right foot.
This seems like one of infos usual c**k and bull stories about a collision where someone is trying to lay the blame somewhere else or isn't being 100% accurate with the version of events.
I didn't come here to be questioned about the accident. Yes it seems like a c**k and bull story, however I've just told you how I was told it happened. It's still an ongoing investigation, so no-ones been put at fault yet. I'm going off of what my brother told me and what the police took notes on from the scene of the accident, so don't come at me with this b******s about making stuff up.
To everyone else - thank you for your help! I've decided to go with a 1.4HDi for the amazing fuel economy reasons, and the fact that there are a couple around my area being sold.
#26: Re: Written Off Author: kurosagi01, Location: NorthamptonPosted: Fri Dec 14, 2012 4:18 pm ---- Like my accident it can take upto 6months for them to decide what they want do,if you don't hear anything then you're perfectly fine but if you are then be prepared to take fall if happens if they prosecute you/brother and you will probably get points on licence and fine. Worst case they could ban you from driving or disqualify you but highly doubt it if noone was injured or killed thankfully.
#27: Re: Written Off Author: 20Drift, Posted: Fri Dec 14, 2012 4:35 pm ----
kurosagi01 wrote:
Like my accident it can take upto 6months for them to decide what they want do,if you don't hear anything then you're perfectly fine but if you are then be prepared to take fall if happens if they prosecute you/brother and you will probably get points on licence and fine. Worst case they could ban you from driving or disqualify you but highly doubt it if noone was injured or killed thankfully.
I doubt I will personally get any punishment because I wasn't in the car or driving at the time. I think it'll probably go down as the fault of both drivers personally.
#28: Re: Written Off Author: kurosagi01, Location: NorthamptonPosted: Fri Dec 14, 2012 5:10 pm ---- That would of been case if the police wasn't involved but because they are they will take it step further,you won't get punished but your brother may get punished but like i said it can take upto 6months. But again the worst may not even happen and it just be insurance deal with it all.
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