Car stolen recovered then repaired refused full value HPI
Discussion
My car was stolen last June 2021, it was recovered 2 weeks later.
The insurance refused to write it off and had it repaired.
I only actually got it back a few weeks ago after delays due to COVID for parts etc, so almost a year.
I wanted to exchange it as I’ve lost interest it now after the theft etc.
When I enquired about exchanging it for a newer vehicle, I was told by the dealer that he could only allow us less than half of the value because it has a HPI against it ?
I remember discussing with the insurance company at the time about the car losing its value, hence I would of preferred it to be written off, I was assured at the time that there would be no categories against the car, and the value wouldn’t be affected.
I’m absolutely fuming, is it the insurance who are behind this or is it the Police who are responsible pleaseeeeee advise me I’m so stressed about the whole thing x
The insurance refused to write it off and had it repaired.
I only actually got it back a few weeks ago after delays due to COVID for parts etc, so almost a year.
I wanted to exchange it as I’ve lost interest it now after the theft etc.
When I enquired about exchanging it for a newer vehicle, I was told by the dealer that he could only allow us less than half of the value because it has a HPI against it ?
I remember discussing with the insurance company at the time about the car losing its value, hence I would of preferred it to be written off, I was assured at the time that there would be no categories against the car, and the value wouldn’t be affected.
I’m absolutely fuming, is it the insurance who are behind this or is it the Police who are responsible pleaseeeeee advise me I’m so stressed about the whole thing x
Thanks for your response I will contact them first thing in the morning. The reason I mentioned the Police as I read somewhere that they may still have it down as stolen? if records were not updated. I can’t understand what HPI actually means because the car was never purchased on finance in the first place!
Hollygirl said:
Thanks for your response I will contact them first thing in the morning. The reason I mentioned the Police as I read somewhere that they may still have it down as stolen? if records were not updated. I can’t understand what HPI actually means because the car was never purchased on finance in the first place!
I use an Android app called Vehicle Smart, there are others, but it will do a PNC check and show any active report against that number plate.Edit to add, it looks like that's part of the £4.99 Premium package. Sorry, I didn't realise that until I just looked.
Edited by OllieJolly on Sunday 10th April 18:09
Hollygirl said:
Thanks for your response I will contact them first thing in the morning. The reason I mentioned the Police as I read somewhere that they may still have it down as stolen? if records were not updated. I can’t understand what HPI actually means because the car was never purchased on finance in the first place!
HPI is what the dealers use to check the history of the car , so confirm mileage, if there is money owed on a finance agreement, had a private plate ,has it been written off or is it actually stolen, it’s up to the insurance to amend the records. Hopefully it’s a simple matter that gets resolved quickly for you ..charltjr said:
It was stolen recovered it will have Category X against it, but that shouldn't show on HPI.
That's only if it was recovered AFTER the insurers had paid out for the loss. The car is then owned by the insurance co, and if they repair it, even minor repairs, it's a Cat X. That was not the case here. It was recovered before they'd settled the claim, so it still belonged to the OP, and the insurers repaired it. That's not a Cat X. Forums | General Gassing | Top of Page | What's New | My Stuff