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Chat & Social => The Bar - General Chat => Topic started by: bilge rat on October 12, 2008, 20:06:52

Title: insurance right off .
Post by: bilge rat on October 12, 2008, 20:06:52
not sure but  a disco i bought as a non runner i know was broke into . thought nothing of it but iff its registered as an insurance claim  is it shown on the log book or do i have to have an hpi check or something...cheers . alan
Title: Re: insurance right off .
Post by: bilge rat on October 12, 2008, 20:33:04
any sort of charge for this or just a matter of a phone call. its prob o.k but before i started throwing money at it i wanted to check . thanks . alan...
Title: Re: insurance right off .
Post by: Range Rover Blues on October 13, 2008, 01:13:58
If it was broken into I seriously doubt it.  If it was stripped for parts then perhaps, or stolen recovered (with bits missing).  Even then it would be cat C/D ie the lightes of the 2, no way should it be mandatory destruct.
Title: Re: insurance right off .
Post by: Gordo on October 14, 2008, 22:48:10
I don't know if the DVLA will be able to tell you about whether it's recorded as a write-off or not - you might need to do a HPI check. That will also show up any other history it may have, such as outstanding finance.

If it's stolen / recovered then it might be recorded as a Cat. D, which can be cleared once the vehicle has been inspected by VOSA.

If it hasn't been written-off then you don't need to worry about it.
Title: Re: insurance right off .
Post by: bilge rat on October 14, 2008, 23:07:04


If it's stolen / recovered then it might be recorded as a Cat. D, which can be cleared once the vehicle has been inspected by VOSA.


as in m.o.t or a special test ?. aa do hpi checks for £25.. not bad .i do know it weas broke into as its got different locks , a different colour steering cowl,broken glass in the n/s/r. thing is he then fitted a alarm . its prob o.k but did wonder iff it may have been stole and recovered . could phone him iff i can find his no . was an o.k guy .alan..
Title: Re: insurance right off .
Post by: Gordo on October 14, 2008, 23:21:08
as in m.o.t or a special test ?. aa do hpi checks for £25.. not bad .i do know it weas broke into as its got different locks , a different colour steering cowl,broken glass in the n/s/r. thing is he then fitted a alarm . its prob o.k but did wonder iff it may have been stole and recovered . could phone him iff i can find his no . was an o.k guy .alan..

It's a special Vehicle Identity Check: http://www.direct.gov.uk/en/Motoring/BuyingAndSellingAVehicle/AdviceOnBuyingAndSellingAVehicle/DG_4022107

However that doesn't apply to Cat. D write-offs, only Cats A-C.

What is it that you're worried about? If it was stolen and recovered to the original owner then no real problem. If it was stolen and not immediately recovered then the insurance company may have paid out and then own it - it which case it would be salvage.

It it was only broken into, then it isn't really a problem - my car was broken into a couple of years ago and I just replaced the broken window without involving the insurance at all.

The stolen flag is only going to cause a problem if, when you come to sell it, someone does a history check.

HTH :)
Title: Re: insurance right off .
Post by: bilge rat on October 15, 2008, 09:43:46
all it is is that i dont know what to do with it , bought it as a non runner got it going now. in the procces of tarting it up a bit then i thought it needs a bit of money spending on it as they do . but thought iff it was a recorded car it aint worth bothering with and to sell as is or break. thanks . alan..
Title: Re: insurance right off .
Post by: discowoman on October 15, 2008, 13:14:14
thre is a number you can text your reg to and it sends you any info back - hpi clear etc
If yo uhave the log book, then chances are it Isnt recorded - we had to surrender the log book when one of our vehicles was shunted up the rear and recorded as cat C

saying that we have a Cat c clio now that was Cat c due to a busted headlight and a 1" scrape on edge of wing..
Title: Re: insurance right off .
Post by: Gordo on October 15, 2008, 18:28:16
Here we go - the official stance:

The ABI Categories of 'Write-Off'

Category A: Scrap only - this vehicle should have been crushed. It should never reappear on the road and there are no economically salvageable parts. It is of value only for scrap metal - e.g. a totally burnt-out vehicle.

Category B: The bodyshell should have been crushed. The vehicle should never reappear on the road, but it can be broken for spare parts plus any residual scrap metal.

Category C: Vehicle extensively damaged and insurer has decided not to repair. The vehicle should have an independent inspection before being allowed back onto the road.

Category D: Vehicle damaged and insurer has decided not to repair.

Category F: Vehicle damaged by fire and insurer has decided not to repair.

HTH :)
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