Rear ended - Is this a write off? Educated guesses please

[vertex]

Hi folks,
Clio 182 has been rear ended.
If this went through insurance, do you think it's a write off?
I have a mobile smart repair quote for £360 but could go up depending on what's behind it, going to visit some body shops tomorrow for quotes.
Boot lid / floor and quarter panel looks fine.

Other driver has admitted fault, but is trying the "my friend can fix that for £200 routine". He wants to avoid insurance.
Part of me also wants to avoid insurance as I'll have to declare non fault claim for the next 5 years and it increases my premium.
Main worry is risk insurance writing it off! In the past I've had a car written off over the phone without anyone seeing it.

Thanks for your input

 

[DetectivePenguin]

Have you removed the bumper and interior trim to properly check the shell?

If it's straight and it's only the bumper that's damaged I would buy a second hand bumper and get it resprayed rather than fixing the current one.

 

[Matt Cup]

Have you removed the bumper and interior trim to properly check the shell?

If it's straight and it's only the bumper that's damaged I would buy a second hand bumper and get it resprayed rather than fixing the current one.

This is exactly what I’d do too.

 

[Louis]

Take the £200 and buy a bumper for £50 in the same colour. EZ.

Don't go through insurance unless your neck is starting to hurt 👀

 

[Matt Cup]

Take the £200 and buy a bumper for £50 in the same colour. EZ.

Don't go through insurance unless your neck is starting to hurt 👀

Don’t f**king bother if your neck hurts tbh.

 

[R3k1355]

Would say it's a write off simply due to the book value the insurance will put on it. They'll price up a bumper, paint, bodyshop time and just say no thanks.

Take the money, but at least £500, it's a non-fault crash afterall.

 

[vertex]

Would say it's a write off simply due to the book value the insurance will put on it. They'll price up a bumper, paint, bodyshop time and just say no thanks.

Take the money, but at least £500, it's a non-fault crash afterall.

This being my worry.
Having looked at eBay, there's only 1 silver bumper that will probably need more work on it than fixing the current one.
Decent condition bumpers are going for £100/£150+.

It's going to cost me regardless what option I take.

 

[Advikaz]

Providing it hasn’t tweaked the shell, which I doubt looking at those pics

Piss easy fix that

 

[imprezaworks]

Don't get the insurance involved ref a claim fault or none fault, will affect your Premium going forward.

Come to an agreement to get the work done with a drink on top. He/you will appreciate that more than the first paragraph.

 

[Krarl]

Insurance will write that off regardless

Just get a few hundred quid off whoever smacked you up the arse. I know someone that may have a Titanium 182 rear bumper that will be cheaper than £200

Just make sure it's not fucked the boot floor

 

[DetectivePenguin]

I spotted a silver 182 on Facebook being broken in Sunderland.

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[Mr Underhill]

This is what’s under there. It’s probably just pushed the bumper out from where I’ve drawn the circle.

20 minute job and a handful of rusty screws to whip the bumper off and check.

It’ll probably spring back into shape once the stress has been taken off.

 

[Sigmamark]

Despite the damage, the geo was still absolutely spot on.

 

[Matt Cup]

Despite the damage, the geo was still absolutely spot on.
View attachment 1730357

Cup spoiler and boot release look like they came away relatively unscathed there.

 

[Clio_fool]

Is the boot shut properly in the photos? Alignment looks off if it is.

 

[JamesBryan]

Is the boot shut properly in the photos? Alignment looks off if it is.

Looks like it just needs the latch pulling in a bit.