MG5 - smashing!

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mederham

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So, this is what happens when your MG5 is hit from the front, head on!
IMG_20231230_111124_HDR.jpg



Was surprised at the amount of plastic bits. Going to be written off I suspect. Managed to get a loan car through insurers - new MG ZS Long Range - nice! As a lease car, I suspect it will be some time before I get any joy with a replacement. As this is a 2021 version and not available anymore, I suspect there will be some discussions on a replacement 2023 facelift model. Anyone had any experience with written off lease cars and what can I expect in terms of an alternative replacement? Thanks in advance
 
Nope! Just seat belt tensioner which held me in place for around 10 seconds. Worrying. Have read various articles on airbags and when they should deploy and still don't know if this is a failure or not.
 
mederham said:
Nope! Just seat belt tensioner which held me in place for around 10 seconds. Worrying. Have read various articles on airbags and when they should deploy and still don't know if this is a failure or not.
Click to expand...
Watch to the last bit ?
 
mederham said:
So, this is what happens when your MG5 is hit from the front, head on!
View attachment 22638


Was surprised at the amount of plastic bits. Going to be written off I suspect. Managed to get a loan car through insurers - new MG ZS Long Range - nice! As a lease car, I suspect it will be some time before I get any joy with a replacement. As this is a 2021 version and not available anymore, I suspect there will be some discussions on a replacement 2023 facelift model. Anyone had any experience with written off lease cars and what can I expect in terms of an alternative replacement? Thanks in advance
Click to expand...
Would you get a replacement if it’s a lease car or would it be a case of the insurance payout going to the leasing company (and hopefully covering enough that your not on the hook for any gap)
 
Seeing as I've just had a similar issue, I thought I'd resurrect this ancient thread.

If the OP is still around, was it considered repairable and how long did it take to get it back if it was?

I got hit by a Discovery Sport (semi-blind left-hand bend, Disco S on wrong side of an unclassified road suitable for two-way traffic without having to slow/pull over to pass safely). Probable impact speed around 20 mph. I reckon (99% sure) I'd come to a stop: hazard lights did not initiate on braking, can't recall collision avoidance alarm functioning, airbag did not deploy, ecall did not initiate; however, the Disco S's airbags deployed and the local police were autocalled by the Disco 3. The Disco S had to reverse out from me so that I could open the driver's door (mangled wing was was interfering).
MG5EVTrophy_prang.webp
MG5EVTrophy_prang view 2.webp
 
Seeing as the OP hasn't answered/is perhaps no longer around to answer, I thought it may be illuminating to update everyone on my situation as it stands.

My car was delivered to my insurer-approved accident repair centre on Monday. Between then and early Tuesday afternoon it underwent assessment, and the figure quoted to the insurer for repair I'm told is between £12,000 and £13,000!! I had to ask what the figure was.

I now await my insurer's decision on whether to go ahead with the repair or to write it off. It's all down to what percentage of pre-accident value (PAV) my insurer considers it acceptable to go ahead and repair (Google suggests it might be anywhere between 50% and 100%), but from the message I was given over the phone when I asked what the assessor's estimate was I'm not optimistic they will give the nod to the repair, seeing as I reckon I might be up around 80-85% of PAV :-(

I'll update when I know more.

But this raises a number of issues. I know modern cars are designed to crumple to absorb the impact energy, but if this amount of damage can be caused to my MG5 by a low-speed impact, what sort of damage might be expected in a 50-60 mph collision? And the damage to the vehicle that ran into mine seemed little more than wing and headlight damage, and so perhaps a couple of thousand to repair. No wonder EV insurance costs are high.
 
What structural changes did MG make to MG5 chassis over than of the ICE versions? Probably not a lot in terms of crash protection.
 
PeterHR2 said:
But this raises a number of issues. I know modern cars are designed to crumple to absorb the impact energy, but if this amount of damage can be caused to my MG5 by a low-speed impact, what sort of damage might be expected in a 50-60 mph collision? And the damage to the vehicle that ran into mine seemed little more than wing and headlight damage
Click to expand...
A close relative had a low speed accident in his ZS EV LR while queuing in traffic.
He was stationary, then got hit from behind by a transit.
The transit could not have not have doing anymore than 20Mph at the time of impact.
The impact pushed the ZS into a Volvo waiting in front of him.
The rear end damage was really significant, given the low impact speed of the crash.
No bags were deployed or seat belts locked up.
No body was injured thank goodness!.
The car was taken away to be accessed, but was deemed a complete write off in less than 2 hours !.
The boot floor was tucked under SO far in creased the roof !.
The car had only covered 5,000 miles in the two years of ownership.
The damage to the Volvo was very minimal.
My relative was paid out in about two weeks and he has bought a new EV.
Guess what he bought - You guessed correctly, a Volvo of course !.
I will include a photo of the transit and the ZS EV.

IMG_0501.webp



IMG_0502.webp
 
Well, it (the MG5 EV) has a 5 star Euro NCAP rating. That's as much as I knew. After a few iterations, judicious choice of Google search terms ("front end structure of MG5 ICE and EV differences") to avoid a proliferation of MG5 EV "facelift" results came up with the following:

MG5 EV: "Engineered with specific crumple zones and protective frames to absorb energy and keep the battery pack safe and intact during a frontal collision. Crash tests, like those from Euro NCAP, evaluate the protection provided to the battery and the stability of the passenger compartment."

vs

MG5 ICE: "Designed with crumple zones to absorb impact energy and prevent the engine from intruding into the cabin."

Which I think I could have guessed anyway.

So I then asked Google: "are more electric vehicles written off than ICEs when subject to front impact", and the reply (from a Fleet News article from Sept '24) surprised me:

"Internal combustion engine (ICE) cars are written off at more than double the rate of electric vehicles (EVs), according to new research Cap HPI.

The study, which examines data from 2015 to August 2024, found 0.9% of EVs under five years old have been written off, compared to 1.89% of petrol and diesel vehicles.

A similar gap remains at one year old, where the percentage falls to 0.2% for EVs and 0.4% for ICE."

When I go in to get some things out of the car I will see if I can have a chat with the assessor.
 
PeterHR2 said:
Too bloody true @MG Clive
Click to expand...
Is it you or me that is dementing, or has @MG Clive (being a mod) sneakily removed a posting that I guess you were replying to ? :cautious: 👵 :sneaky:

PeterHR2 said:
My car was delivered to my insurer-approved accident repair centre on Monday. Between then and early Tuesday afternoon it underwent assessment, and the figure quoted to the insurer for repair I'm told is between £12,000 and £13,000!! I had to ask what the figure was.

I now await my insurer's decision on whether to go ahead with the repair or to write it off. It's all down to what percentage of pre-accident value (PAV) my insurer considers it acceptable to go ahead and repair (Google suggests it might be anywhere between 50% and 100%), but from the message I was given over the phone when I asked what the assessor's estimate was I'm not optimistic they will give the nod to the repair, seeing as I reckon I might be up around 80-85% of PAV :-(
Click to expand...
You didn't mention age of your vehicle, but I'd be gobsmacked if that is not a write-off unfortunately. Not just from the repair value, but the 3rd party's insurers will need to provide you with an equivalent loan car for the repair period. And, if you look at threads like the one from @Brettus who had similar amount of front wing damage (on MG4), it took over 6 months to be repaired.
see - Well this sucks (XPower crash tested) ?
 
PeterHR2 said:
Seeing as the OP hasn't answered/is perhaps no longer around to answer, I thought it may be illuminating to update everyone on my situation as it stands.

My car was delivered to my insurer-approved accident repair centre on Monday. Between then and early Tuesday afternoon it underwent assessment, and the figure quoted to the insurer for repair I'm told is between £12,000 and £13,000!! I had to ask what the figure was.

I now await my insurer's decision on whether to go ahead with the repair or to write it off. It's all down to what percentage of pre-accident value (PAV) my insurer considers it acceptable to go ahead and repair (Google suggests it might be anywhere between 50% and 100%), but from the message I was given over the phone when I asked what the assessor's estimate was I'm not optimistic they will give the nod to the repair, seeing as I reckon I might be up around 80-85% of PAV :-(

I'll update when I know more.

But this raises a number of issues. I know modern cars are designed to crumple to absorb the impact energy, but if this amount of damage can be caused to my MG5 by a low-speed impact, what sort of damage might be expected in a 50-60 mph collision? And the damage to the vehicle that ran into mine seemed little more than wing and headlight damage, and so perhaps a couple of thousand to repair. No wonder EV insurance costs are high.
Click to expand...
I had some drive into the side of my MG5 and the bill was about £12k. The work was done but I did have GAP insurance as a backup if the wrote the car off
 

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