On 6th Feb in pouring rain I was driving home when a car aquaplaned into a ditch half a mile in front of me on the single carriageway. I stopped with all lights on the Defender including hazards. Lined up for the tow and was attaching the tow line when a Fiesta doing 45 mph approx drove strait into the drivers door of the Defender. There were no skid marks so it was 45 to zero courtesy of the defender.
Police and ambulance plus accident investigation and I was found not at fault.Police gave me Fiesta drivers and insurance details. RAC recovered Defender home about 2 miles. Aegis insurance guy inspected next morning and said"total loss". Local 4x4 garage collected Defender examined and concurred estimated £12,500 - £15,000 for repair.
Here is the problem. In January 2015 the Defender was overhauled and many old parts were changed for high quality replacement parts as follows:
Richards galvanised chassis
Old Man Emu Medium Duty Nitrocharger Shocks and 4 Springs.
Old Man Emu Defender 90/110 Steering Damper
Terrafirma Stainless Steel Braided Brake Hoses +50mm Length for Defender 90/110 99 - 04 with Abs
Britpart Super-Heavy Duty Clutch Kit for TD5
Disc Handbrake Conversion - Defender
Suspension Bush Kit - Genuine Land Rover
Full Exhaust System - Td5 Diesel 90 - Stainless Steel
All this equipment is still on the Defender and the parts cost alone came to £4,517. Invoices are available to support this expenditure all of which improved the market price of the vehicle. Also the Defender is a limited addition X-Tech model, again commanding a premium price.
Searching Autotrader yesterday for similar vehicles produced the following vehicles, details attached for your review:
1999 Defender 90 2.5 Td5 £11,895
2001 Defender 90 2.5 Td5 £14,995
2002 Defender 90 2.5 Td5 £12,250
None of these vehicles has a galvanised chassis or the suspension upgrades fitted to my vehicle. There are many similar vehicles in this price range. I also understand from my garage that the local Land Rover salvage company has offered for the vehicle, in its current damaged condition £7,000 on an as is where is basis.
In the circumstances I am unable to accept the market value the Insurance company propose of £8795.
Grateful for comments as to what I should do next. I am intending to buy another Defender 90 of similar age but guess it will be too expensive to strip the old car of the suspension parts, even if the insurance company would permit same.
Thanks for any comments