Lancia Motor Club

Hi, how do I get a value of a car for insurance purposes?

Its pretty rare so I am finding it difficult to find examples, partly because there are none for sale.

The car in question is a Delta HPE HF Turbo, 1995 in very good condition mechanically, good condition body. No rust, excellent history.

Any help greatly appreciated.

Either HPEHF or GialloHPEIan may be able to help - as they both own one. You're right though, not many ( if any ) for sale recently ( in this country )

I'm hoping HPEHF can provide a value as mine is practically identical to his (minus Recaro's) but help from anyone is always good too!

Ermmmm
https://www.ebay.co.uk/itm/LANCIA-DELTA-HPE-HF-TURBO-1999-VERY-RARE-CAR-REGISTERED-IN-THE-UK-FROM-NEW/122944139625?hash=item1ca00ab169:g:540AAOSw4Dxaci7O

Guy  ;D ;D

If anyone is thinking about buying this one,
 then i'd recommend going for it.
The owner going by the eBay ad is Stewart Harvey, anyone who knows him will confirm he's an absolute fanatic at looking after his Lancias, and like all the other lancias he's owned, you could have your dinner off the engine☺

8227 8)

Typical ! - at least there's an answer though :)

Hi

Having owned my 1998 HPE HF Turbo since 2008, insurance has always been a bit of a headache due to the fact that this model doesn't seem to be on whatever database the insurance companies use, as it's not a UK model (import only). My agreed value (with Adrian Flux) is £4500 and has been for about four years. I tried £5000 three years ago, which was refused!
The car listed on eBay was listed last November for the same price with the same seller, so obviously didn't sell at £6995. I have seen several for sale in the UK over the past couple of years from £5000 - £8000 and even a particularly nice black one at £10,995. I don't think any actually sold for their asking prices, which leads me to suspect that buyers are not prepared to pay more than around £5000 max. Of course, there will always be the odd exception and this is only my opinion, based on my observations. There are usually a few for sale on subito.it to give you an idea what they fetch in Italy.
I hope you enjoy your car as much as I enjoy mine, they represent great value for money being a little off the radar so to speak. HPEHF seems to be familiar with most of this particular model in the country if it's been here a while, so he's your man for a definitive answer.

Regards

Ian(6610)

Hello all,
I would agree with Ian re. insuring these cars as a lot of companies don't recognise them! It's not helped when,in my case, the V5C identifies the car as a Delta HF Turbo ie.
However for the past two years I have insured with Classic Line. At renewal last September I took out an agreed value policy with them for £8,000.The car must be garaged at night and I have a limit of 3000 miles a year.They require several good quality photos of exterior, engine bay and interior.
David.

M666 EVO,

I have been insured with Hagerty for the past 4 to 5 year and took up their agreed value part of the package by taking pictures all round, interior and where it was parked.

At first I did it for £5000, and then a couple of years ago raised this to £8,000. There was no questions raised at the first or even at raising the cost only the premium was upped by I think £10.

The problem with most insurance companies it is not on their list and they do not know what it is. Adrian Flux giving me a quote based on a Robin Reliant!!

Unfortunately the Club cannot provide valuations for cars due the mine field this would lead it into, so the only thing you can do is speak to one of the few Lancia dealers to give you a quote if you needed to replace it, and some copies of adverts of cars for sale if they will not take your cost. When I had an accident the assessor was for righting it off due to the damage until he let slip that they would only repair upto 80% of the value of the car and I quoted a greater figure for the accepted works than he was expecting (obviously thinking more main stream cars than something slightly different).

Please feel free to PM or Call number in VL Back page.


Regards

Simon Davis

Mmmm,

Looks like i'll have to re-assess my valuation come insurance renewal time. Seriously undervalued now by comparison.
Prices for rare and interesting vehicles have certainly crept up these past couple of years.

Ian (6610)

Thanks a lot for your replies, I too have been massively undervaluing mine though it would seem >:(

I have had it for about 15 years and always found insurance OK, but have always had it valued at £4000. Recently someone hit it in the rear and the garage said it was more than likely going to be a right off due to the fact it is going to cost a lot to repair plus my under valuing will limit what the insurance pay out. Hence asking if I could get a valuation to go back to the insurance company with.

But thanks for the great feed back. If nothing else ill have to argue my corner and make a good case to value the car more towards £6000  ???

I wish you luck with your insurance and am sorry to hear of your accident.

The blue one on eBay has now been reduced by £1000 so maybe my observations aren't far off.

https://www.ebay.co.uk/itm/LANCIA-DELTA-HPE-HF-TURBO-1999-81k-VGC-Future-Classic-Car/122944139625?hash=item1ca00ab169:g:6OUAAOSwzRFadXX9

Regards

Ian (6610)

Update: the estimate has gone to the insurance company - to the tune of nearly the value of the car!

This should be interesting  :o

If they do write it off, more than likely I suspect, then see if you can buy it back and get it restored by a reputable smaller concern, which should be a lot cheaper, but just as good.
Better than hunting around for another if you're happy with what you've got, and why wouldn't you be ;D
Brian
8227 8)

I absolutely agree with Brian. Keep the car and ask for cash in lieu of repairs. I have just done this with my daughter's car which was clipped by a drunk driver when it was parked outside our house. Even after deducting the excess it was repaired for less than the payout. I hope the insurance company hasn't taken it into storage because the storage charges are a killer. I lost a barely damaged Peugeot 205 to that trick.

HI,

Also if the car is not in your possession, it might be worth getting it back before a decision is made or you might find as soon as it is written off, the car will be sold to a breaker before anything can be done.

When I had my accident the assessor came to the house and was talking about writing it off as he was valuing it as a Mondeo at £1500, when discussing it he mentioned that they use a cost of 80% of the value, when I said that meant £4K of work he started to change his tune. But I did warn him that if they were going to write it off I would be buying it back and as it was on my drive if it was removed without my approval I would take as theft and pursuing it.

Luckily they repaired the car.

Regards

Simon
8477

Regards

Simon

Hi,

Just an update, the insurance company rang and wanted to write it off but after some chatting they are happy to pay me an amount to repair if I can either get a more sensible estimate or we agree an amount. I think that's fair. So I am now thinking I can use the money and get repaired elsewhere as my current garage (Zagato Lancia) will cost too much - but the problem I have is I have no where else to take it. Who do you guys use?

I really want to keep it on the road as its a pretty straight car, but also want to take to someone reputable etc. Being based in London has always meant I'm kind of tied to Zagato. Maybe its time to cut the strings?

It would be interesting to see some pictures (if you can bear it) and some idea of what needs doing.

I can't work out how to attach via the forum but can send to a personal email if you really want to see it. It doesn't make me cry too much!

The garage have quoted 16 hours labour for the removal and replacement of sub frame, suspension arm and other mechanicals. 31 hours for all bodywork and jig work. All 4 wheels need to be refurbed due to the way the car was shunted into the kerb. The 4k doesn't include parts.

So if I can find a good bodyshop with some space and a jig that can do the damage, I can source the parts etc I reckon it could be done at a fraction of that price.

You attach photos using the "+Additional Options..." thing just below the text box on the left side of the screen.

That drops down a set of tick boxes for reply options and below it an "Attach:" legend with a long text box and a "Browse..." box to the right of that.

When you click on the "Browse..." box it opens the "File Explorer" screen of your computer and you can navigate to the picture you want.

Click on the picture and its' title appears in the "File Names" box.

Click on "Open" at the bottom of the file explorer window and it puts the file name for your picture in the forum reply "Attach:" box.

To more pictures click on the little blue "(more attachments)" text to the right of the "Browse.." button.

The photos mustnt be too big so I use an image resizer programme and make them as small as possible.

I hope all that helps. Youu seem to be on top of the job as regards repairs. Good second hand parts and a bodyshop that isn't charging insurance prices should get you there.

Reduced still further!

https://www.ebay.co.uk/itm/LANCIA-DELTA-HPE-HF-16v-TURBO-1999-81K-VGC-MOT-MARCH-2019-FUTURE-CLASSIC/122944139625?hash=item1ca00ab169:g:6OUAAOSwzRFadXX9

Started at £6995 then reduced to £5995 now £4495. Obviously keen to sell.

Gone!

Well done if you are the new owner. ;D

not me!