Who insures CAT D cars???

[kentee]

Im in the process of getting insurance for a cat d at the moment , i got a good quote from swift cover , no where on their website did they ask if the car had been an insurance write off but , i deceided to read the terms and conditions of the policy and it states they do not insure cat a,b,c,d, or a vehicle with any thing recorded on the logbook , this looks like their way of getting out of any come back someone might think they have, if they say they were not asked for the information when taking out the policy , the information is there but you have to read the small print . a little bit under handed if you ask me , luckily i had not hit the buy it now button because they would have charged me a cancellation fee , about £50 for refusing to insure the car because i had not declared the information to them .

[Ozone]

I'm glad I found this thread, I've been hunting for some poverty pork in the shape of a Boxster S and I've seen a few advertised as Cat D or C. While getting online quotes I've found that you cannot state that it has been recorded as a Cat C/D so if you call the insurer they don't want to know and I was wondering how to insure one in the correct manner as per the OP.

Even since this thread was started nothing has been done by the insurance industry. I wonder how many cars are insured in ignorance giving them an easy get out when it's time for a claim.

[WhyAyeMan]

As someone said, its based on good faith etc...

As I say, ignorance is bliss. They ask you to provide the facts to the best of your knowledge

[TTmonkey]

WhyAyeMan said:

As someone said, its based on good faith etc...

As I say, ignorance is bliss. They ask you to provide the facts to the best of your knowledge

Then you have an accident, they check, and your insurance is invalid. And you get no payout.

[WhyAyeMan]

TTmonkey said:

Then you have an accident, they check, and your insurance is invalid. And you get no payout.

A bit harsh if you don't know, don't you think? (Not saying what you're saying isn't true, but I think you could challenge that).

[Ozone]

WhyAyeMan said:

TTmonkey said:

Then you have an accident, they check, and your insurance is invalid. And you get no payout.

A bit harsh if you don't know, don't you think? (Not saying what you're saying isn't true, but I think you could challenge that).

Can you challenge it if your car is chipped/modded and not declared and you say you didn't know?

[WhyAyeMan]

I would, yes.

[996TT02]

TTmonkey said:

Then you have an accident, they check, and your insurance is invalid. And you get no payout.

No.

Yes you are to reply to all questions they ask truthfully, but if they do not ask the question then you are not obliged to offer any information.

Besides, "your insurance is invalid" isn't really the way it works.

If you failed to truthfully disclose any information (that you have been asked) and that has no bearing on the cause of your accident then no "your insurance is NOT invalid".

However if it does have a bearing, then yes, the insurance co may try to wiggle out. Such as if you failed to disclose your previous accident history.

But there is nothing particularly special about a Cat D car, except it's reduced resale value. If you had to have an accident and it were written off, and the ins co found out it is a cat D, then at worst they would offer you a reduced payout, which isn't a problem at all considering that you would ordinarily have paid less for the car in the first place. I suspect that they would find out automatically anyway in the event of a claim and only at this stage is it of relevance to them.

Insurance companies are bound by all the basic principles of law, which are in the main based on common sense, so enough of the scaremongering.

[dacouch]

996TT02 said:

No.

Yes you are to reply to all questions they ask truthfully, but if they do not ask the question then you are not obliged to offer any information.

Besides, "your insurance is invalid" isn't really the way it works.

If you failed to truthfully disclose any information (that you have been asked) and that has no bearing on the cause of your accident then no "your insurance is NOT invalid".

However if it does have a bearing, then yes, the insurance co may try to wiggle out. Such as if you failed to disclose your previous accident history.

But there is nothing particularly special about a Cat D car, except it's reduced resale value. If you had to have an accident and it were written off, and the ins co found out it is a cat D, then at worst they would offer you a reduced payout, which isn't a problem at all considering that you would ordinarily have paid less for the car in the first place. I suspect that they would find out automatically anyway in the event of a claim and only at this stage is it of relevance to them.

Insurance companies are bound by all the basic principles of law, which are in the main based on common sense, so enough of the scaremongering.

There are a small amount of Insurers who do not cover previously written off cars, if such an Insurer asked a clear question about the car being a previous written off car and you did not answer it correctly then they can declare void the policy and not pay the own damage claim and also seek to recover any third parties damage they pay out from you. This is irrespective of whether the car being written off had any bearing on causing the accident

[Gareth79]

996TT02 said:

Yes you are to reply to all questions they ask truthfully, but if they do not ask the question then you are not obliged to offer any information.

Not quite, insurance is such that you are required to volunteer any information you believe would affect their decision, even if they don't ask it, but...

996TT02 said:

But there is nothing particularly special about a Cat D car, except it's reduced resale value. If you had to have an accident and it were written off, and the ins co found out it is a cat D, then at worst they would offer you a reduced payout, which isn't a problem at all considering that you would ordinarily have paid less for the car in the first place.

Is a fairly likely outcome IMO, unless as mentioned it was specifically asked.

[dacouch]

Gareth79 said:

996TT02 said:

Yes you are to reply to all questions they ask truthfully, but if they do not ask the question then you are not obliged to offer any information.

Not quite, insurance is such that you are required to volunteer any information you believe would affect their decision, even if they don't ask it, but...

996TT02 said:

But there is nothing particularly special about a Cat D car, except it's reduced resale value. If you had to have an accident and it were written off, and the ins co found out it is a cat D, then at worst they would offer you a reduced payout, which isn't a problem at all considering that you would ordinarily have paid less for the car in the first place.

Is a fairly likely outcome IMO, unless as mentioned it was specifically asked.

Not quite, when dealing with a normal consumer, the onus is on the Insurer to ask questions, if they don't ask a question then that's there problem. There is no requirement for a consumer to volunteer information unless specifically and clearly asked

[Skiddins]

Stumbled across this thread while Google'ing about Cat D cars.

Just thought I'd add some newer info.

I had my cat D Saab insured with Adrian Flux for a bit over £500, I received my renewal notice via email yesterday, £815!!!
I also phoned Sky Insurance (friends recommendation ) and got the same price quote!

The lady I spoke to at Sky suggested I try one of the main companies like Admiral as some of them still do cat D.
So I got a quote list from Confused.com and tried Admiral, when I mentioned the catagory D status she said it made no difference to the quote, result.
They also insure Cat C's
I also asked if getting the car checked by www.autolign-inspections.co.uk would make a difference to the quote and she said no, just needs to have a valid MOT etc. So that's £250 saved.

In the end after paying for a few options my new quote from Admiral was £599.

Obviously Admiral were not the cheapest quote on Confused but I knew that some further up the list definitely don't do cat D's (Swiftcover for example)

Hope some of this helps

Edited by Skiddins on Thursday 14th August 21:11

[jc84]

Skiddins said:

Stumbled across this thread while Google'ing about Cat D cars.

Just thought I'd add some newer info.

I had my cat D Saab insured with Adrian Flux for a bit over £500, I received my renewal notice via email yesterday, £815!!!
I also phoned Sky Insurance (friends recommendation ) and got the same price quote!

The lady I spoke to at Sky suggested I try one of the main companies like Admiral as some of them still do cat D.
So I got a quote list from Confused.com and tried Admiral, when I mentioned the catagory D status she said it made no difference to the quote, result.
They also insure Cat C's
I also asked if getting the car checked by www.autolign-inspections.co.uk would make a difference to the quote and she said no, just needs to have a valid MOT etc. So that's £250 saved.

In the end after paying for a few options my new quote from Admiral was £599.

Obviously Admiral were not the cheapest quote on Confused but I knew that some further up the list definitely don't do cat D's (Swiftcover for example)

Hope some of this helps

Edited by Skiddins on Thursday 14th August 21:11

It does. Thanks

[PapaJohns]

jc84 said:

It does. Thanks

Just to add for those searching, I'm currently seeking insurance for a cat d repaired car,

My last insurer ensure didn't want know, something about being a no frills type company

Hastings direct qouted me £400 but then turned round and said we don't insure cat d when it came to starting the policy( guy who owns the car is insured with Hastings direct

Phoned admiral who Quoted me £1800 , guy on the phone offered me to be put through to a call agency who deal with 80 company's they narrowed the search to cat d. In the end I was quoted £650 fully comp,protected ncb,breakdown cover etc etc and that is for a mk2 Leon Cupra r..........thank you Adrian flux. Apparently being insured with flux around 6yrs ago on a high powered car helped the guy get the cost down some £200

[VonSenger]

What utter nonsense. Ive owned many cat c and d cars and written one off. Its never been problem, they prey on suckers offering up the info in advance. Mugs.

My pay out was less but I expected that.

[Nickyboy]

paulshears said:

My Polo is Cat C, so "worse" than a Cat D

I've never had a problem with insurance ... I bought the car off my brother & he had no problems either

Ditto, i had a Cat D Corsa and a Cat C T5, my insurers didn't even ask about it

[PapaJohns]

id rather have everything out in the open and declared, it's the same with modifications .

id hate to have my insurance void for not declaring category status or bigger wheels, running more boost etc etc in the event of a claim

[corozin]

Highway Ins did mine with very few questions asked. No premium hike either (which is how it should be)

[S3_Graham]

VonSenger said:

What utter nonsense. Ive owned many cat c and d cars and written one off. Its never been problem, they prey on suckers offering up the info in advance. Mugs.

My pay out was less but I expected that.

Really? I don't think its a premium thing. I was with esure for my CLK55, swapped insurance onto the M3 (which is cat C) and all going swimmingly. I mentioned "by the way, it's recorded as a cat C"
"Sorry sir, we cant cover that car"

Ended up with admiral for a similar price as quoted by esure.

[jase1980]

For those whove gone with Admiral for Cat D write offs did you use the online form or did you disclose it by telephone when getting your quote?

My car has been written off but returned to me. I intend on getting it roadworthy and driving it again whilst i deal with the cosmetic stuff. Do i need to declare this? If so how.