Can I drive my written-off car?
Discussion
My car was written off in an accident a couple of weeks ago. Cosmetic damage only, so I bought the car back from the insurance company as salvage and have repaired it.
1) The insurance co has said "An entry will be made onto the Motor Insurance Anti Fraud and Theft Register against your VRN and VIN number, indicating the vehicle has been deemed a total loss "
2) Have spoken to insurance co, and they confirm the car is still insured until the policy runs out (Jan)
3) Have contacted DVLA and they say it needs a VIC check so have booked one (awaiting date)
4) Car has a current MoT certificate (Sept)
5) Car is taxed (end aug)
6) I still have the V5C (not sure what to do with it at the mo)
So can I drive it around as normal before getting the VIC check and having a new V5C issued?
1) The insurance co has said "An entry will be made onto the Motor Insurance Anti Fraud and Theft Register against your VRN and VIN number, indicating the vehicle has been deemed a total loss "
2) Have spoken to insurance co, and they confirm the car is still insured until the policy runs out (Jan)
3) Have contacted DVLA and they say it needs a VIC check so have booked one (awaiting date)
4) Car has a current MoT certificate (Sept)
5) Car is taxed (end aug)
6) I still have the V5C (not sure what to do with it at the mo)
So can I drive it around as normal before getting the VIC check and having a new V5C issued?
Are you sure you are still insured? Most insurance policies end when the car is deemed a write off. I guess that isn't the case for you if your insurer has confirmed you are still insured.
If it's a Cat D, then you don't need to do anything else paperwork wise. If it was a Cat C, it would need a VIC check. Pretty sure you can't drive it before the VIC check.
While it might have an MOT, you still need to make sure the car is roadworthy. If the damage makes the car unroadworthy (smashed lights for example) you need to fix that before driving it on the road.
If it's a Cat D, then you don't need to do anything else paperwork wise. If it was a Cat C, it would need a VIC check. Pretty sure you can't drive it before the VIC check.
While it might have an MOT, you still need to make sure the car is roadworthy. If the damage makes the car unroadworthy (smashed lights for example) you need to fix that before driving it on the road.
I've a friend who was in this situation, still have the VIC to do, happily insured and taxed for 2+ years before declaring it offroad when they bought a new car. Even updated the address when moved through the DVLA who happily updated the details and sent a reminder that V5 only comes back after the VIC so I'm sure it's fine!
Thanks for the advice.
For info, the car had a front-end knock with a van. Wing dented, headlamp smashed and bumper damaged. I've replaced those parts (and checked there was no damage to any of the crash protection behind the bumper) so it looks and drives absolutely fine.
Insurance co said that the existing policy was still in force, and that they would just note that the car was written-off and repaired on the computer.
I'm pretty confident i can drive it, as I have MoT, V5C, insurance and Tax.
For info, the car had a front-end knock with a van. Wing dented, headlamp smashed and bumper damaged. I've replaced those parts (and checked there was no damage to any of the crash protection behind the bumper) so it looks and drives absolutely fine.
Insurance co said that the existing policy was still in force, and that they would just note that the car was written-off and repaired on the computer.
I'm pretty confident i can drive it, as I have MoT, V5C, insurance and Tax.
AFAIK you would only have to get the VIC check done if you sold the car, or rather the new owner would.
I sold a car to my mate last year (£300 snotter) and a week later an old duffer reversed into it - car was written off and mate received a cheque for &500 and continued to drive the car until he scrapped it at MOT time.
I sold a car to my mate last year (£300 snotter) and a week later an old duffer reversed into it - car was written off and mate received a cheque for &500 and continued to drive the car until he scrapped it at MOT time.
Spangles said:
You don't need the VIC to drive it now. The VIC is finishing in October, you may want to save your money.
Oh, interesting.What will be happening after that date for cars that should have a VIC check?
I've got a cheap Lexus that currently needs a VIC, so if I don't need to do it it would be good to keep the car within budget.
MDMetal said:
Spangles said:
You don't need the VIC to drive it now. The VIC is finishing in October, you may want to save your money.
Really? What happens to cars with a Vic marker? They just get a v5 automatically? You have a link to that?Spangles said:
MDMetal said:
Spangles said:
You don't need the VIC to drive it now. The VIC is finishing in October, you may want to save your money.
Really? What happens to cars with a Vic marker? They just get a v5 automatically? You have a link to that?If you have insurance, tax and MOT and the car is road worthy you can be on the road.
Saw a Peugeot written off due to a vandalised lock once.
Spangles said:
Great, thanks for the link!I missed it first time round, so will wait until October to apply for the V5!
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