Tractor written off for cosmetic damage to roof!

[curly]

I tipped my Ford 7710 over in an incident last week, see the Wreckers thread for pics & details.
https://thefarmingforum.co.uk/index.php?threads/wreckers.15035/post-6899441
The sprayer has been written off which I accepted but then the insurance company want to write off the tractor which has 1 broken side window,1 broken bottom link & some damage to the cosmetic tin work on the cab.

I wanted to then buy it back but they would not insure it again because of the damage to the cab even though its only dents in the tin work not the heavy box section it covers. The left side fell quite gently onto a earth bank & the right side was bit by the boom.
Its annoying in this day & age of recycling to scrap a perfectly running tractor for a bit of cosmetic damage.

 

[balerman]

Seems a bit harsh but they don't take any chances with cabs cos its a critical safety issue,and that cab is 35 years old.

 

[Farmer_Joe]

Agree with above to be honest, but you can but it back and just have it uninsured we never use to insure little old tractors like that only newer stuff

 

[curly]

But it needs to be insured to go on the road & for the implements on the back like the sprayer. I was luckily the incident happened on the way home with empty tanks,with full tanks it would of been a very expensive ecological problem to sort out.

 

[Barleycorn]

I remember our local Case dealer had a big case in the workshop which had the handhold going down the side of the cab dented in. Insurance insisted on a brand new cab frame!

 

[Nearly]

I know plenty that will have that!

 

[kill]

It use to be possible to insure third party only after an incident like that so it could be driven on road but could never be claimed on itself. A customer's tractor was insured like this after the son went in for food and forgot to put the handbrake on and the tractor succeeded to do a forwards summersault over its loader and badly twisted the cab and was driven on for several years without a windscreen as the cab was too twisted for it to fit.


I am sure you use to also be able to get any machine accessed after a repair and then after certification it could be reinsured fully as machine would revert back to pre accident status.

Maybe possible to get a cab off a export tractor and fully replace if concerned over the original cab

 

[Sid]

Put a new cab on it?

How many cabs have been knocked into something and never claim on insurance?

 

[Zebbedee]

I tipped my Ford 7710 over in an incident last week, see the Wreckers thread for pics & details.
https://thefarmingforum.co.uk/index.php?threads/wreckers.15035/post-6899441
The sprayer has been written off which I accepted but then the insurance company want to write off the tractor which has 1 broken side window,1 broken bottom link & some damage to the cosmetic tin work on the cab.

I wanted to then buy it back but they would not insure it again because of the damage to the cab even though its only dents in the tin work not the heavy box section it covers. The left side fell quite gently onto a earth bank & the right side was bit by the boom.
Its annoying in this day & age of recycling to scrap a perfectly running tractor for a bit of cosmetic damage.

You should be able to buy it back then get an engineers report after repair to satisfy insurance I have done just that expect to pay one third of write off value to buy back

 

[ploughman1963]

We had a tractor tht was totalled - bought the salvage - bought a cab off Wraights and some wheels and panels - did several years useful work - had no issue getting it insured. I assumed I would need an engineers report but was not requested

 

[quattro]

Replaced a cab on a relatively new tractor as there was a dent in cab corner post size of your thumb nail because of insurance

 

[curly]

The insurance man said I might possibly be able to 3rd party insure it which is ok but it wouldn't cover anything on the back for damage to the environment etc I think,I will have to ask again on Monday to check on this

 

[Zebbedee]

If they will insure 3rd party I don’t see why not comprehensive cover

 

[Lincs Lass]

Insurance co is looking at it as not financially practical to repair due to its age ,,it will end up on a boat to india where they would knock the rest of the windows out and carry on using it

 

[kill]

Insurance co is looking at it as not financially practical to repair due to its age ,,it will end up on a boat to india where they would knock the rest of the windows out and carry on using it

And absolutely no come back to/at them

 

[Lincsman]

Being a classic worth £50k i would take the money.

 

[startinghandle]

if it goes you will be loosing a good tractor

 

[Dry Rot]

Insurance is a scam. My Land Rover was in an accident. Put it to the authorised repairers who told me they would subcontract the repairs to XYZ ltd. I said, "Oh no you won't! They did a repair on the gear box of my truck and returned it with no oil -- then tried to tell me there was oil in it!!"

Authorised repairers phoned up later to say they'd put the LR on the ramp and the chassis was twisted so a write off. The local garage looked at the chassis and said it was fine.The LR was insured for £3,500. Knowing it had a good engine, I asked what it was worth for scrap. So I bought at that price -- the £650 scrap value was deducted from the insurance pay out of £3,500. (It is actually still yours until you've agreed to settle).

Bought the parts needed for £500. Did the work myself and It sailed through the MOT (no, not by my local garage!).

Sold the Land Rover for £4,500 to someone who kept it for a few years and put a galvanised chassis on it. He told me he had a lot of fun with it, no real problems, and regretted selling it.

Reported the matter to the insurance fraud people who said (quote) they would probably do nothing "as this sort of thing happens all the time". And you wonder why your insurance premiums are so high!

Buy back the salvage and buy another same age and model (but possibly faulty) and use the first as a donor for parts. That's what some dealer will probably do anyway.

 

[michael N123]

buy it back and tell a few breakers to keep an eye out for a identical/similar knackered one for you so you can put it back on the road one day

 

[Suffolk Serf]

Insurance is a scam. My Land Rover was in an accident. Put it to the authorised repairers who told me they would subcontract the repairs to XYZ ltd. I said, "Oh no you won't! They did a repair on the gear box of my truck and returned it with no oil -- then tried to tell me there was oil in it!!"

Authorised repairers phoned up later to say they'd put the LR on the ramp and the chassis was twisted so a write off. The local garage looked at the chassis and said it was fine.The LR was insured for £3,500. Knowing it had a good engine, I asked what it was worth for scrap. So I bought at that price -- the £650 scrap value was deducted from the insurance pay out of £3,500. (It is actually still yours until you've agreed to settle).

Bought the parts needed for £500. Did the work myself and It sailed through the MOT (no, not by my local garage!).

Sold the Land Rover for £4,500 to someone who kept it for a few years and put a galvanised chassis on it. He told me he had a lot of fun with it, no real problems, and regretted selling it.

Reported the matter to the insurance fraud people who said (quote) they would probably do nothing "as this sort of thing happens all the time". And you wonder why your insurance premiums are so high!

Buy back the salvage and buy another same age and model (but possibly faulty) and use the first as a donor for parts. That's what some dealer will probably do anyway.

I agree. The more dealings that I have with the insurance industry, the more I believe that it is a total racket.