Insurance and Cat C
Discussion
Right...
Last week a chimney fell from next door fell on our runabout damaging the roof and smashing the windscreen.
This is being dealt with by the builder's insurance through his public liability cover.
The car has been inspected and is likely to be a Cat C or D write off.
Now, being public liability, the insurer will pay out the market value less the salvage value.
Having rung around, I can get the car repaired for a low enough cost that it's worth getting it sorted rather than having to buy a new car (we've spent a fortune on this one mechanically over the past year).
If it's on the register as a Cat D or C, what do I have to do and who do I have to inform if I want to get it back on the road?
Last week a chimney fell from next door fell on our runabout damaging the roof and smashing the windscreen.
This is being dealt with by the builder's insurance through his public liability cover.
The car has been inspected and is likely to be a Cat C or D write off.
Now, being public liability, the insurer will pay out the market value less the salvage value.
Having rung around, I can get the car repaired for a low enough cost that it's worth getting it sorted rather than having to buy a new car (we've spent a fortune on this one mechanically over the past year).
If it's on the register as a Cat D or C, what do I have to do and who do I have to inform if I want to get it back on the road?
it's been a while since i've done this but from memory, cat D, you dont need to inform anyone. Cat C you need to have a VOSA check done.
http://www.carbuyer.co.uk/tips-and-advice/114820/c...
http://www.carbuyer.co.uk/tips-and-advice/114820/c...
I've had no issues insuring a registered car.
Insured it as normal (as a reduced stated value) in the knowledge that if its written off the previous write-off will be taken into account in the payout.
Remember that for a Cat C car you'll need a VIC check (only confirms identity not quality of repair so to speak) but the tax in IIRC the MOT can continue to the existing, pre-write off dates. More time, hassle and £50 for nothing really.
Insured it as normal (as a reduced stated value) in the knowledge that if its written off the previous write-off will be taken into account in the payout.
Remember that for a Cat C car you'll need a VIC check (only confirms identity not quality of repair so to speak) but the tax in IIRC the MOT can continue to the existing, pre-write off dates. More time, hassle and £50 for nothing really.
As said above, cat D and you don't need to do anything, cat C is a new MOT and VIC check - about £40.
You don't need to tell your insurance, as they already know, but I guess it doesn't hurt.
I am currently driving a cat B car. No idea why it was marked as cat B, as there was no structural damage. Some people will say that a cat B cant go back on the road which is nonsense - it was the same process as a cat C - MOT and VIC. No problem with insurance either, except with cat B, the car value is scrap. No problem, as I intend to put the engine in my motorhome in a few years anyway....
The only thing to be aware of is time. MOT obviously no problem. But you need to apply online for a VIC test, this takes a week or so to send you the paperwork, depending on how busy they are. The paperwork contains a phone number to book the appointment and I was pleasantly surprised at how flexible they were with dates/times. Quite a fun trip actually, as the inspector was a petrol head and chatted away about the AMG.
So, you then have your MOT and VIC. You send these to DVLA (can't do it in person any more). In my case, the car was not taxed and the v5 wasn't in my name, so I had to apply for both of those at the same time as sending off the MOT/VIC. A week later the tax disc turned up. 3 weeks after that a v5 appeared.
Lovely. Cat B Merc e55 back on the road!
You don't need to tell your insurance, as they already know, but I guess it doesn't hurt.
I am currently driving a cat B car. No idea why it was marked as cat B, as there was no structural damage. Some people will say that a cat B cant go back on the road which is nonsense - it was the same process as a cat C - MOT and VIC. No problem with insurance either, except with cat B, the car value is scrap. No problem, as I intend to put the engine in my motorhome in a few years anyway....
The only thing to be aware of is time. MOT obviously no problem. But you need to apply online for a VIC test, this takes a week or so to send you the paperwork, depending on how busy they are. The paperwork contains a phone number to book the appointment and I was pleasantly surprised at how flexible they were with dates/times. Quite a fun trip actually, as the inspector was a petrol head and chatted away about the AMG.
So, you then have your MOT and VIC. You send these to DVLA (can't do it in person any more). In my case, the car was not taxed and the v5 wasn't in my name, so I had to apply for both of those at the same time as sending off the MOT/VIC. A week later the tax disc turned up. 3 weeks after that a v5 appeared.
Lovely. Cat B Merc e55 back on the road!
rotarymazda said:
Flooded interior would be my guess.
Collision with lamp post. Squashed front wheel into a-pillar. Suspension damage, headlight, front wing. But bonnet and door untouched. Door gaps all still correct. Shouldn't have been a cat B.Rebuild thread here: http://retrorides.proboards.com/thread/155617
Apologies, thread hi-jack unintended...
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