Stolen / Recovered and HPI status
Discussion
A question for the insurance experts, I guess.
Last year a mate of mine had his A5 stolen (burglary, car keys job).
The car was recovered a few weeks later, undamaged. It's had new locks and keys and the insurance saw fit to replace the tyres for some reason, and then my mate got his car back.
Fast forward to now and my mate has just got a new job with a company car. He reckons that he won't be able to sell his A5 because it will show up on HPI and nobody will touch it. I can't see why not - it shouldn't show up as a CAT D (it was recovered and returned to him). Does the fact that it's been stolen at some point show up on HPI? And if it did, so what? You could argue that it might have been mercilessly thrashed by the thieves, but then again it could have been thrashed and badly maintained by the previous owner, so I fail to see what the problem might be.
Last year a mate of mine had his A5 stolen (burglary, car keys job).
The car was recovered a few weeks later, undamaged. It's had new locks and keys and the insurance saw fit to replace the tyres for some reason, and then my mate got his car back.
Fast forward to now and my mate has just got a new job with a company car. He reckons that he won't be able to sell his A5 because it will show up on HPI and nobody will touch it. I can't see why not - it shouldn't show up as a CAT D (it was recovered and returned to him). Does the fact that it's been stolen at some point show up on HPI? And if it did, so what? You could argue that it might have been mercilessly thrashed by the thieves, but then again it could have been thrashed and badly maintained by the previous owner, so I fail to see what the problem might be.
It wont show on HPI.
HPI only shows vehicles that have been recorded as a total loss, ie the insurance company have paid out rather than repair a car or its been stolen and not recovered.
Obviously some cars are recovered after the ins co have payed out, these are then recorded as stolen recovered and normally as a cat D I believe.
HPI only shows vehicles that have been recorded as a total loss, ie the insurance company have paid out rather than repair a car or its been stolen and not recovered.
Obviously some cars are recovered after the ins co have payed out, these are then recorded as stolen recovered and normally as a cat D I believe.
It rather depends on exactly what happened.
As I understand it, it will only show up on HPI if it was written off - that's what "cat X" means, a "category X write-off". If the car was recovered before the insurance company paid out, it will not be registered; if it was recovered after a payout and he bought it back from them, it will.
As I understand it, it will only show up on HPI if it was written off - that's what "cat X" means, a "category X write-off". If the car was recovered before the insurance company paid out, it will not be registered; if it was recovered after a payout and he bought it back from them, it will.
ZOLLAR said:
If a car is stolen and recovered and not damaged making it cat c/d then it will not show on the HPI history.
A car has to be a total loss to get a cat D or cat C marker, not just damaged.A car can be in a very major accident but if the ins co decide to repair it will not get a C or D marker and will not show on a HPI check.
So a car stolen and damaged but then recovered and repaired before the ins co had made it a total loss and paid the insured out will not get a C or D marker.
oldnbold said:
ZOLLAR said:
If a car is stolen and recovered and not damaged making it cat c/d then it will not show on the HPI history.
A car has to be a total loss to get a cat D or cat C marker, not just damaged.A car can be in a very major accident but if the ins co decide to repair it will not get a C or D marker and will not show on a HPI check.
So a car stolen and damaged but then recovered and repaired before the ins co had made it a total loss and paid the insured out will not get a C or D marker.
If it's a CAT C/D then it could end up back on the road showing with a CAT on it.
The stolen recovered marker is replaced by an accident damage marker.
If a car is stolen and recovered with no damage it won't show on HPI, only persons with access to MIAFTR2 will be able to tell if it's stolen recovered.
Gassing Station | General Gassing | Top of Page | What's New | My Stuff