Who insures CAT D cars???

[ritch]

I know this has been done to death, but I cant actually find an answer to this on any of the other posts!

So what companies will insure a CAT D car? for info, the car was written off due to parts backlog (19 weeks!!!) and the estimated hire car costs - not the actual damage (minor panel).

Comparison websites return decent premiums of £350ish, but one quick phone call to confirm the premium and advise of CAT D quickly leads to "sorry sir, we won't insure a CAT D".

help!!!

Edited by ritch on Friday 8th April 20:26

[ritch]

DannyVTS said:

I've never had a problem insuring write offs

I don't see why they would not insure it

I've admiral and ecar

Who told you that ?!

My current insurers - Allianz, Direct Line, Priviledge, Tesco, etc etc.

I have only found one insurer so far and they want nearly £600, which pee's me right off when the comparison websites are around the £350 mark.

Will look into admiral and ecar - thanks

[ritch]

and which insurance companies can you recommend or suggest?

[ritch]

cheadle hulme said:

If the online quote thing asks you if its a Cat D, then answer it truthfully. If it doesn't ask you, then you can't tell it can you?

How many Cat D cars are insured without the owners or insurers knowledge do you think?

Financially, the only issue with a Cat D is the lower value than a straight car. As long as both parties accept this and adhere to it in the case of another loss, then all OK.

Remember, insurance companies write off cases, ie the total cost of a claim, not the car itself. Being recorded as total loss has no legal status.

thats part of the problem - the online search/quote engines don't have a provision for stating CAT D and they are happy to provide competative quotes, but when phoning and clarifying with them the car is CAT D - it all changes. Reallly frustrating considering they are supposed to have access to all these insurance databases, the police and DVLA systems too.....

Its quite clear with some that they will not cover CAT D so not informing them will end in tears if the insurance ever needs to be claimed against.

[ritch]

Got insurance at last! the following companies are ok with CAT D - highway, LV, Admiral and various specialist brokers.

Everyone has touched on the exact issue I have - they don't ask if the car is CAT D, and it obviously doesnt get flagged up by the reg, but when I offer the info - some decline. 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.

Its all very ridiculous considering they should have access to that type of info straight off, and yet another reason for them to find a way not pay in the event of a claim.