re-insuring a write off
Discussion
Briefly my daughter was stopped at zebra crossing and a numpty ran into the back of her micra. Its a 1995 car and all the signs are that the insurance company are going to say that it is beyond economical repair, which means that they will offer her about £800.00. Now to cut a long story short an aqaintence knows the garage owner where the car is at present, he says he has had a word and that the car can be repaired cash in hand for approx £300. And then it only requires an MOT to make it insurable again.If she buys the salvage from her insurance company. So first question is this right. Second question how difficult is it to re-insure a car that has been written off. Many thanks in advance for any advice
Yep, insurers dont seem to mind.
I got a insurance quote for a car which went through fine. Then I HPI checked it and realised it was a ex-write off
The insurance company never mentioned it, and from the quote I got it didnt seem to effect the price.
I'm not sure if they even have access to that info?
I got a insurance quote for a car which went through fine. Then I HPI checked it and realised it was a ex-write off
The insurance company never mentioned it, and from the quote I got it didnt seem to effect the price.
I'm not sure if they even have access to that info?
It depends what classification the write off was.
From Memory*
Class A - Car is dangerous and should be scrapped totally and not split up for parts.
Class B - Car should be scrapped but parts can be taken from car.
Class C&D - Car is not in a dangerous condition but is just not economical to repair.
I had a class C or D writeoff (Can't remember which) but I drove the car round afterwards and got it insured and MOT'd without any problems.
From Memory*
Class A - Car is dangerous and should be scrapped totally and not split up for parts.
Class B - Car should be scrapped but parts can be taken from car.
Class C&D - Car is not in a dangerous condition but is just not economical to repair.
I had a class C or D writeoff (Can't remember which) but I drove the car round afterwards and got it insured and MOT'd without any problems.
It's not quite that simple if it's your own car that you are insuring. You can't use the excuse of "I didn't know". This would then be considered a "Material Misrepresentation" (Blatent Lie) or at best a "Material Non-Disclosure" (deliberate with holding of information).
Of course, nothing would come to light unless you had to claim.
What on earth are you thinking of spending money on a '96 Micra anyway !!??!
Of course, nothing would come to light unless you had to claim.
What on earth are you thinking of spending money on a '96 Micra anyway !!??!
pmanson said:
It depends what classification the write off was.
From Memory*
Class A - Car is dangerous and should be scrapped totally and not split up for parts.
Class B - Car should be scrapped but parts can be taken from car.
Class C&D - Car is not in a dangerous condition but is just not economical to repair.
I had a class C or D writeoff (Can't remember which) but I drove the car round afterwards and got it insured and MOT'd without any problems.
Didnt think of that, mine was a class C so i suppose if the insurers knew they might not have been bothered.
The insurance company should only let you retain the vehicle if it is a cat. c write off. This is simply the uneconomical repair group.
Providing you can demonstrate to an insurer if asked that the vehicle has been repaired to an appropriate condition i.e it has a new MOT post repair there should be no problem.
Keep in mind that "if they ask" also means the bland material fact question which would make your knowledge of the vehicle history disclosable.
The only downside would be in the event of a further accident. The vehicle detail will be held on the MIAFTA database as a previously written off vehicle which would, regardless of the repair quality, affect the value in any negotiations.
Providing you can demonstrate to an insurer if asked that the vehicle has been repaired to an appropriate condition i.e it has a new MOT post repair there should be no problem.
Keep in mind that "if they ask" also means the bland material fact question which would make your knowledge of the vehicle history disclosable.
The only downside would be in the event of a further accident. The vehicle detail will be held on the MIAFTA database as a previously written off vehicle which would, regardless of the repair quality, affect the value in any negotiations.
595TUS said:
The insurance company should only let you retain the vehicle if it is a cat. c write off. This is simply the uneconomical repair group.
Not quite the whole storey, the categories are as follows...
A. A vehicle which should be totally crushed, including all its spare parts.
B. A vehicle from which spare parts may be salvaged, but the bodyshell should be crushed and the car should never return to the road.
C. An extensively damaged vehicle which the insurer has decided not to repair, but which could potentially be repaired to a high standard.
D. A damaged vehicle that the insurer has decided not to repair, but which could be repaired and returned to the road.
F. A vehicle damaged by fire, which the insurer has decided not to repair.
I had an Astra which was written off (uneconomical repair) by someone driving into the back off me. Engineer from blokes insurer came out and said car was fine and no need for MOT etc post crash. My insurers had copy of report and said they were happy if engineer was happy. I got £500 and a bent panel which was easily pulled back out again.
trooper1212 said:
The insurance company should only let you retain the vehicle if it is a cat. c write off. This is simply the uneconomical repair group.
Not quite the whole storey, the categories are as follows...
A. A vehicle which should be totally crushed, including all its spare parts.
B. A vehicle from which spare parts may be salvaged, but the bodyshell should be crushed and the car should never return to the road.
C. An extensively damaged vehicle which the insurer has decided not to repair, but which could potentially be repaired to a high standard.
D. A damaged vehicle that the insurer has decided not to repair, but which could be repaired and returned to the road.
F. A vehicle damaged by fire, which the insurer has decided not to repair.
Actually there is no specific ABI category for a fire damaged vehicle. Certain insurance companies hanlde them slightly different.
There is nothing wrong with getting the car repaired. The insurance company will have marked the car with a condition marker to show it as been written off due to damage. They may want an inspection which would change the marker to an inspection marker and should cost less than a couple of hundred quid (I think it is about 150 quid at the moment.)
After that there should be no problems. It is only when you come to sell it, if asked you must declare that it has a marker and will be worth 50-60% of book value.
What is the point of Cat A, the total destruction thing? A couple of years back I saw an ur-quattro which had been given a Cat A destruction order, for what was not much more than a front end whack. There were dozens of irreplaceable parts on that car, digital dash, electric aerial etc which are only avainlable from wrecks. Why destroy them?
You might also want to check out this:
www.via.gov.uk/vehicle_testing/vic/vic_scheme.htm
If the insurer classes the vehicle as cat C or D you will need to apply for a VIC, as the V5 will be endorsed as a write-off.
Outlaw fyi, you MUST volunteer information of this sort, like it or not, as not to do so would potentially invalidate the policy.
www.via.gov.uk/vehicle_testing/vic/vic_scheme.htm
If the insurer classes the vehicle as cat C or D you will need to apply for a VIC, as the V5 will be endorsed as a write-off.
Outlaw fyi, you MUST volunteer information of this sort, like it or not, as not to do so would potentially invalidate the policy.
Lets stop this myth that cat c means extensively damaged !
It's all down to the value of the vehicle at the time of the claim and the cost of the repairs.
A cat c can quite easily be as little as a bonnet and a slam panel that had the car been a couple of years newer at the time of the claim would have been repaired rather than "written off"!
If in doubt just log on to a salvage auction site and take a look at the vehicles before they've been repaired !
It's all down to the value of the vehicle at the time of the claim and the cost of the repairs.
A cat c can quite easily be as little as a bonnet and a slam panel that had the car been a couple of years newer at the time of the claim would have been repaired rather than "written off"!
If in doubt just log on to a salvage auction site and take a look at the vehicles before they've been repaired !
ukzippy said:
Lets stop this myth that cat c means extensively damaged !
It's all down to the value of the vehicle at the time of the claim and the cost of the repairs.
A cat c can quite easily be as little as a bonnet and a slam panel that had the car been a couple of years newer at the time of the claim would have been repaired rather than "written off"!
If in doubt just log on to a salvage auction site and take a look at the vehicles before they've been repaired !
Best thread necro ever, well done zippy.It's all down to the value of the vehicle at the time of the claim and the cost of the repairs.
A cat c can quite easily be as little as a bonnet and a slam panel that had the car been a couple of years newer at the time of the claim would have been repaired rather than "written off"!
If in doubt just log on to a salvage auction site and take a look at the vehicles before they've been repaired !
hey,
I have just found this thread, i have just bought a car which appeared to be perfect- One owner last 11 years and in amazing condition.
I paid a good price and had it delivered, Upon delivery i have noticed that it had been resprayed which I knew from yellow to Orange. But below this I found silver, I have used my police contacts and found out this car was a Cat C write off in 1998, repaired and sprayed yellow in 1999.
The previous owner bought it in 2001 and I honestly dont think he had any idea, there is nothing on the log book to show it was written off.
Obviously its now worth 20-40% less and I am aware I am covered under the distance selling regulations for full refund for the car plus shipping costs.
Trouble is the car is gorgeous and in better condition than most 'normal' cars of this type.
Am I right in thinking that if I was to write the car off (obviously hopefully not) then the insurance companies wont pay out for it (double jeapordy and all that).
Am I within my rights to demand 20- 40% of the purchase price back?
thanks
I have just found this thread, i have just bought a car which appeared to be perfect- One owner last 11 years and in amazing condition.
I paid a good price and had it delivered, Upon delivery i have noticed that it had been resprayed which I knew from yellow to Orange. But below this I found silver, I have used my police contacts and found out this car was a Cat C write off in 1998, repaired and sprayed yellow in 1999.
The previous owner bought it in 2001 and I honestly dont think he had any idea, there is nothing on the log book to show it was written off.
Obviously its now worth 20-40% less and I am aware I am covered under the distance selling regulations for full refund for the car plus shipping costs.
Trouble is the car is gorgeous and in better condition than most 'normal' cars of this type.
Am I right in thinking that if I was to write the car off (obviously hopefully not) then the insurance companies wont pay out for it (double jeapordy and all that).
Am I within my rights to demand 20- 40% of the purchase price back?
thanks
yertis said:
What is the point of Cat A, the total destruction thing? A couple of years back I saw an ur-quattro which had been given a Cat A destruction order, for what was not much more than a front end whack. There were dozens of irreplaceable parts on that car, digital dash, electric aerial etc which are only avainlable from wrecks. Why destroy them?
liszt said:
Does sound strange that.
A cat A is normally a vehicle that has already been gutted or so badly burnt out that it should just be crushed.
Think of the type of cars you see abandoned after joy riding.
In fact just found this on our website.
I'm also under the impression that any car involved in a Fatal collision is usually marked up as a Cat A.A cat A is normally a vehicle that has already been gutted or so badly burnt out that it should just be crushed.
Think of the type of cars you see abandoned after joy riding.
In fact just found this on our website.
trooper1212 said:
Not quite the whole storey, the categories are as follows...
A. A vehicle which should be totally crushed, including all its spare parts.
B. A vehicle from which spare parts may be salvaged, but the bodyshell should be crushed and the car should never return to the road.
C. An extensively damaged vehicle which the insurer has decided not to repair, but which could potentially be repaired to a high standard.
D. A damaged vehicle that the insurer has decided not to repair, but which could be repaired and returned to the road.
F. A vehicle damaged by fire, which the insurer has decided not to repair.
The only breach would stem from within the agreement of the ABI code of conduct regarding Cat A and Cat B vehicles - which is an agreement between insurer and salvage agent and nothing to do with the law. Within this agreement you must hold a waste disposal license to handle Cat A and Cat B vehicles direct from the Insurer...
There are lots of Cat B's driving around, and possibly a few Cat A's too (although the damage a Vehicle deemed Cat A is likely to have suffered makes this a lot less likely!)
Subject to a VIC and subsequent issuing of a V5 of course.
Don't forget that Cat A and Cat B vehicles may be deemed such due to Biological contamination....
Edited by Gallen on Thursday 22 March 20:11
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