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Another example
In November 1995 dad bought a 6 month old Nissan Primera, ex Nat West car. Paid £9500 which was about £4500 off list.
In February 1996 whilst parked at a Nursing Home visiting a relative a staff member hit the car damaging the front nearside wing and bumper. Immediately admitted liability but their insurers argued about the car being on private land thus not insured and it took until June to get an agreement to do the work, about £400 form memory.
Before the car went to the bodyshop Dad was stuck hard up the rear whilst sat in traffic which put both him and Mum in hospital and the car off the road. I thought it would be written off, the hatch no longer fitted, the boot floor had deformed jamming the spare wheel in and the tow bar was so deformed it was almost on the road. But the went ahead and fixed it at a cost of almost £5000 plus 3 months car hire and £7000 of personal injury compensation.
A couple of weeks after he got it back the neighbour across revered into the rear of the car damaging it yet again. I tried to drive off but when he saw me on the road he admitted it was him. The damage was about £2000 worth.
So in 12 months the car had suffered £7400 of repairs.
He decided it was time to shift it.
He waited until January and the local Nissan emporium had a quantity of pre reg Almeras at an excellent price. I was stunned when the offered the full PX value (£7800) against a hugely discounted car and whilst they never asked about damage they repaired it so must have known.
And his insurance did not increase.
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