Car written off but not on database

[thecremeegg]

So my car was written off in October last year due to it needing a new bumper (2mph crash - complete joke but that's another story!).
Anyway I was tolddon the phone by the insurer that it was written off and would likely need a VIC before I could tax it etc.
Anyways, tax is due up soon so I used the DVLA vehicle checker to see if there was a VIC marker....there isn't. So I've asked a mate who works for the company that provides that data for the car checking services and he's looked on their database and the master and no sign of it being recorded as a write off.

Have I got lucky here? They've paid me out and everything months ago and I'm still using the car with the slightly cracked bumper. Should I be concerned or just forget and move on?

[LoonR1]

Your insurer has paid you out and not taken ownership of the car? How much did they pay you and what was the car worth before it was written off?

[ZOLLAR]

You sure it wasn't a cash in lieu settlement?

[thecremeegg]

I bought the car back for £25. I was paid out, they struggled to get a payout from the 3rd party initially but then had a letter saying that it was all resolved and all costs recovered.

[rotarymazda]

thecremeegg said:

Have I got lucky here? They've paid me out and everything months ago and I'm still using the car with the slightly cracked bumper. Should I be concerned or just forget and move on?

You got lucky, forget it and move on.

I had the same with a cat B rather than C. It was flooded inside, they wanted to scrap it but (with some legal help) I bought it back and had it professionally restored. No record on HPI, no issues with Tax/MOT.

[blueacid]

Kinda concerns me a bit though - how many other vehicles slip through the gaps?

[aw51 121565]

Only a new owner would have to put this car through a VIC, as far as I am aware (in simple terms, the car is remaining with the original owner and there is no chance that he is buying a rung vehicle because he, errm, already owns it ).

Sounds like the OP was talking to someone at his insurance company who was unaware of this...

From memory (and I could be wrong on this), the only issue might be that the RK (the OP) won't get annual reminders to purchase VED (it can still be purchased using the V5C reference number, so it's no biggie as long as he remembers to buy it).

[ZOLLAR]

thecremeegg said:

So my car was written off in October last year due to it needing a new bumper (2mph crash - complete joke but that's another story!).
Anyway I was tolddon the phone by the insurer that it was written off and would likely need a VIC before I could tax it etc.
Anyways, tax is due up soon so I used the DVLA vehicle checker to see if there was a VIC marker....there isn't. So I've asked a mate who works for the company that provides that data for the car checking services and he's looked on their database and the master and no sign of it being recorded as a write off.

Have I got lucky here? They've paid me out and everything months ago and I'm still using the car with the slightly cracked bumper. Should I be concerned or just forget and move on?

What's the vehicle reg?

[LoonR1]

£25 salvage buyback. Really?

[KingNothing]

My bike was a Cat C write off last January, third party paid out for it, kept salvage as part of payout, back on the road now, never sent them the V5 or anything, HPI'd it a few months ago, no marker on it, dunno how that works :S

[thecremeegg]

LoonR1 said:

£25 salvage buyback. Really?

Yup, I wasn't complaining! Car's only worth £1k or so?
Don't really want to post the reg for obvious reasons

rotarymazda said:

You got lucky, forget it and move on.

I had the same with a cat B rather than C. It was flooded inside, they wanted to scrap it but (with some legal help) I bought it back and had it professionally restored. No record on HPI, no issues with Tax/MOT.

That's what I'm intending to do, just didn't want to have missed anything obvious!

Edited by thecremeegg on Tuesday 7th April 17:22

[SonicShadow]

My old MR2 was written off twice and doesn't have a marker. It's gone for parts / scrap now.