Who insures CAT D cars???
Discussion
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.
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.
jase1980 said:
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.
Well, I would say that's pretty obvious. If you want to be sure you're insured, ring them and tell them the truth. What's the point in giving them any money if they won't pay out because you haven't been transparent? Ring them and tell them the details.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.
To answer my own question....and for any others in a similar position. I am now insured on an Admiral Multicar policy created using an online form with no way to advise my car was a Cat D.
One quick phone call immediately after the payment was made to them and the material fact that its a Cat D has been added without issue or increase in premium.
I cannot reccomnend Admiral highly enough.
One quick phone call immediately after the payment was made to them and the material fact that its a Cat D has been added without issue or increase in premium.
I cannot reccomnend Admiral highly enough.
ritch said:
The various ones that do decline make it VERY clear that if they insured the car without knowing its CAT D, the insurance would be invalidated once they find out.
This wouldn't be enforceable by insurance law, and the insurer would be required to provide proof that you knowingly made a dishonest statement with respect to a material fact. If it is material, and they don't ask, they will have potentially mis-sold you the policy. Insurers are full of shish for the most part, which is why all but a minority will back off and apologise when they know you've read ICOB and such. Strange industry.alangla said:
Cat Cs need a VOSA inspection before you can tax them again, apparently this is to verify that it's the same car & not a ringer. It looks like the inspection being referred to above is more along the lines of checking that the repairs have been done correctly.
The VIC check was abolished in October 2015, so this is no longer the case. You don't need to VIC check a Cat C any more.I have read Admirals Cat C and D insurance guide here : http://www.admiral.com/magazine/guides/motor/what-...
"The first thing you should do is get as much information as possible on the car's history to find out if a car you're looking to purchase has previously been written off. A history check will also tell you if the car is stolen or has any outstanding finance on it.
Companies like HPI and the AA can carry out history checks online or over the phone for around £30.
Glyn says: "If you're looking to purchase one of these it should only ever be a Cat C or D. Today if a Cat C is repaired it will need to have a Vehicle Identity Check (VIC) before it can be placed back on the road, these checks are carried out by the Driver and Vehicle Standards Agency.
"If a vehicle has had a VIC check there will be a comment recorded on the V5 document. You should try to find out the extent of the damage, images of the damage, details of the repairer, what was repaired and how much it cost to repair, we would recommend an independent inspection by a professional prior to purchase to ensure that the car has been repaired correctly and safely."
As long as your car meets the criteria noted by Glyn then we'll be able to insure your car as long as it was either a Category C or Category D write-off."
No mention of extra loading on whatever policy they sell you though only that they can insure.
"The first thing you should do is get as much information as possible on the car's history to find out if a car you're looking to purchase has previously been written off. A history check will also tell you if the car is stolen or has any outstanding finance on it.
Companies like HPI and the AA can carry out history checks online or over the phone for around £30.
Glyn says: "If you're looking to purchase one of these it should only ever be a Cat C or D. Today if a Cat C is repaired it will need to have a Vehicle Identity Check (VIC) before it can be placed back on the road, these checks are carried out by the Driver and Vehicle Standards Agency.
"If a vehicle has had a VIC check there will be a comment recorded on the V5 document. You should try to find out the extent of the damage, images of the damage, details of the repairer, what was repaired and how much it cost to repair, we would recommend an independent inspection by a professional prior to purchase to ensure that the car has been repaired correctly and safely."
As long as your car meets the criteria noted by Glyn then we'll be able to insure your car as long as it was either a Category C or Category D write-off."
No mention of extra loading on whatever policy they sell you though only that they can insure.
That article is out of date, as has already been said the VIC check was done away with in October 2015. The purpose of the VIC check was not to inspect the condition of the vehicle but to ascertain it was the actual vehicle registered on the V5 and not a ringer, apparently in all the years it was in operation it only picked up 4 wrong cars.
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