naki_k wrote:has anyone ever had their jag "written off" by an insurer for a relatively minor damage like a wing/ bonnet or bumper?
Yes - another driver in a hire car reversed hard into my Sovereign in a petrol station forecourt a few years back mashing up the XJR fibreglass bumper that was fitted and bending the grille (so I couldn't open the bonnet - which also got scratched). I never bothered making a claim - but did get an estimate for fixing it all.
I also reported the incident to the police as the driver seemed disproportionally upset about what had happened.
Bought a s/h grille (£20), touched up the scratches on the bonnet, bought a new XJR bumper (The old one was pretty past it anyway - but I never fitted the new one and it is still hanging in there) and forgot about the whole thing.
Many months later out of the blue I got a letter from AIG offering to settle up.
I showed them the estimate and they told me that the car would be a cat C write off which would be recorded on file. They came to inspect the car and valued it at £800 or so. I persuaded them to up it to I think £1100 and let me keep it.
Got paid (free car) but it now needs a VIC to get road tax via the internet (I have to go to the Post Office) and If I sell it the next owner will need a VIC before they can obtain a V5. I am curious to see if the new tax arrangements will affect this car (I think I can still go to the Post Office).