[106] Zest 2 or Rallye S2?

Hi

The girlfriend has pranged her car (not her fault) but the garage doing the
repair assessment and her insurers have a problem. It is insured as a
standard Zest 2 but the garage say its either not a Zest 2 or has been
modified, bodykit, wheels etc.

Having done a fair amount of web searching this evening we find that it has
the body of a Rallye S2 with 106 GTI (or similar) wheels. The V5
registration document lists it as a Peugeot 106 XN Zest 2 and the dashboard
logo states Zest 2 however to look at, it is a Rallye S2 (white) complete
with sporty type gear shift and coloured instrument panels.

Before we go back to the insurers on Monday we really need to know exactly
what she has been driving for the last two years so is there any way of
telling from the VIN number, for example, what it is, or if there was a body
kit done to convert the Zest 2 into a Rallye lookalike.

Any help with this will be greatly appreciated.

Ian

 

the alloys have been added after

 

That'll be a rallye lookalike then. Someones put the bodykit on it at some
point.

 

Many thanks for your replies. Since I posted I came across this site
http://www.106rallye.co.uk/ and having browsed their pages find that the car
has indeed been kitted out to look like an S2. The give away is the 1100
engine as opposed to the 1600 in the S2.

Now we have to convince the insurers it was not her doing.

Again, thanks.

Cheers

Ian

 

That'll be a rallye lookalike then. Someones put the bodykit on it at

Good luck with that, but in my experience insurance companies are evil,
scum-sucking devil spawn, and will avoid paying out for any reason they
can find. I feel sure that they will say that it doesn't matter whether
you made the mods or not; that the onus is on you to know/check whether
the car is modified or not, and to declare any mods.
As I say, good luck, but prepare yourself.

A secondary point is that in almost all cases, the insurance industry
will profit from any claim you make by inflating your premiums over the
next few years. I'd check to see whether it's actually worth getting
them to pay for the repairs at all.

All the best,
Andy

 

Yep, sounds familiar! When my wife pranged my car, the insurance company
said that my car was worth less than I stated as it is a convertible and it
was winter(!!) so the market value is lower in winter!!!!

Yep! Even if someone hits you and it's 100% their fault, your insurance
premiums will go up next time to recover the admin costs in dealing with the
third party - Something I've never considered fair - what's the point of
being insured?

Matt
--
1991 Peugeot 205 Roland Garros Cabriolet
TU3S 1.4 Carb
http://www.205rolandgarros.co.uk
2003 - Happy 20th Birthday Peugeot 205
SETI Team "Peugeot 205" Founder (and only!) Member
http://setiathome.ssl.berkeley.edu/stats/team/team_152225.html
==

 

Matt wrote:

--------------------snip--------------------

To make money for the Insurance Companies??????

Regards,
John

 

Good luck with that, but in my experience insurance companies are

Heh. Ouch. Sounds like insurance-weasel thinking though

The only situations I can see in which the insurance industry loses out
when you make a claim are;
1) if, after a claim, you stop driving, thus preventing them from
reclaiming thier money.
2) You seriously injure someone and they make a large (£10k+) claim for
damages.

People are charged a premium becuase they are supposedly a 'risk' and
thus likely to cost the insurance company money by claiming, but if the
company will make it's mnoney back after the event of a claim, then the
original risk is actually zero. An evil little scam, I reckon.