Omega Owners Forum
Chat Area => General Car Chat => Topic started by: albitz on 01 November 2013, 15:05:38
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Car just has a dented rear door,but ins. decided not to repair and classed it as a cat D loss. Anyone have experience of insuring a car in these circumstances ? Does it tend to produce problems ?
Tia.
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One of my cars has just been written off as a Cat D. My current insurance company have paid out and have said they are happy to continue insuring it as I plan to fix it and put it back on the road.
I'm not expecting there to be any issues with renewal, and no need for a VIC check on a Cat D either. :y
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One of my sons has just insured a Cat D, no issues. ;), think it does depend on the Insurance Co though.
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One of my cars has just been written off as a Cat D. My current insurance company have paid out and have said they are happy to continue insuring it as I plan to fix it and put it back on the road.
I'm not expecting there to be any issues with renewal, and no need for a VIC check on a Cat D either. :y
Are you sure on that James ? . . . . no VIC needed while you are still the registered keeper & your the name is on the V5.
But as soon as a new V5 is applied for 9 as like when you sell the car on ) I'm sure DVLA will want a VIC. Been there recently . . nightmare >:( >:(
Pretty certain that all cat. C & D now comes under this :-\ :-\
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One of my cars has just been written off as a Cat D. My current insurance company have paid out and have said they are happy to continue insuring it as I plan to fix it and put it back on the road.
I'm not expecting there to be any issues with renewal, and no need for a VIC check on a Cat D either. :y
Are you sure on that James ? . . . . no VIC needed while you are still the registered keeper & your the name is on the V5.
But as soon as a new V5 is applied for 9 as like when you sell the car on ) I'm sure DVLA will want a VIC. Been there recently . . nightmare >:( >:(
Pretty certain that all cat. C & D now comes under this :-\ :-\
I believe that a repaired Cat C needs a certificate to prove that's it's roadworthy.
I don't think you need this for a Cat D. :y
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One of my cars has just been written off as a Cat D. My current insurance company have paid out and have said they are happy to continue insuring it as I plan to fix it and put it back on the road.
I'm not expecting there to be any issues with renewal, and no need for a VIC check on a Cat D either. :y
Are you sure on that James ? . . . . no VIC needed while you are still the registered keeper & your the name is on the V5.
But as soon as a new V5 is applied for 9 as like when you sell the car on ) I'm sure DVLA will want a VIC. Been there recently . . nightmare >:( >:(
Pretty certain that all cat. C & D now comes under this :-\ :-\
I believe that a repaired Cat C needs a certificate to prove that's it's roadworthy.
I don't think you need this for a Cat D. :y
VIC is purely an identity check . . nothing to do with roadworthyness . . when a vehicle has been subject to an insurance pay out , am sure that DVLA now require this before issuing a new V5 . . .as was the case with my omega . As soon as I sent off for new V5 as the new keeper , DVLA informed me that the car was an uneconomical insurance right off, so needed a VIC check before they would issue a new V5 in my name . when i brought the car , the owner did not tell me he had claimed & been paid out . Small dent in n/s wing & slight paint scrape on passenger door was the only damage.
A road worthyness certificate would be something different . . wouldn't it ? :-\ :-\ :-\
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Yep essex big al is quite right in what he has stated :y :y
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Just to try & clarify this a bit . . :-\ :-\
if you own the car & it is subject to an insurance claim, be it your fault or not . The insurance company (yours or theirs) then decides it is uneconomical to repair the car & makes it a write off . Of course it may only have really minor damage , so you ask to buy it back & repair it yourself , with the payout devalued accordingly . You carry on using the car once you have repaired it . A new MOT is probably wise IMO. But it did not affect my insurance & I did tell them before insuring it. As you need both MOT & insurance to present a vehicle for a VIC ::) ::)
No problems with a VIC check as you are the registered keeper on the V5, this VIC only seems to apply when the vehicle changes hands & the new owner/keeper applies for a new V5. DVLA want to ensure that it is the same car & not a "ringer" or another same model vehicle with the original vehicles plates .
in answer to Albitz OP . . i'm sure you will fall into the same trap as i did Albs . . .IF you want to apply for a new V5 in your name it will be subject to VIC check . The same would apply to the new owner if you sold it on without getting a V5 in your name first . ;) ;) he/she would have to present the vehicle for a VIC test before a V5 would be issued ;) ;)
VIC was £40 iirc :-\
HTH ::) ::) ::) blinking confusing this VIC thing ;D ;D ;D ;D
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No probs insuring my Cat C, and it's a commercial policy :y
The VIC check is w bit of a nuisance at best, but if you haven't cloned or rung the car then certainly nothing to be scared of :y
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How do I go about getting a VIC check ? :-\
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https://www.gov.uk/vehicle-identity-check-site
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Cheers. :y
Istr Essex Al mentioning that place.They ask when ould be suitable for you and then make sure they book an appointment for the most unsuitable time possible. ::) ;D
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Cheers. :y
Always here to help a good friend, Albs. ;D
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How do I go about getting a VIC check ? :-\
Albs, check on the link that STEMO has posted & check out if the car already has a VIC "Marker" on it .
My guess would be that if you are going to buy it (or have brought it) from the person who has had a claim & payout ,then no marker will be present yet .
That will only occur when the new owner / keeper applies for a V5 . DVLA will then send you the relevant form stating the vehicle needs a VIC before they can issue a new V5 to you.
VIC is a straight forward check . . only takes 10 mins . . but you are not allowed to watch , you have to wait in the attached waiting area :( :(
HTH . . .but anymore questions welcome as been there , done it , tee shirt etc. ;D ;D ;D
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Can I tax/insure MOT it before the VIC check and issuing of new V5 ? :-\
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Quick point to Essex al - if my car which is fully insured etc sustains damage to, say, a wing and a corner then my insurer, if I claim and its my fault could quite correctly ( after a big argument) write my car off (buy it back etc yadda yadda).
If A N Other strikes and damages my car and they admit liability then their insurers simply cannot write my car off and pay me their estimation of a value. I have no contract with them whatsoever. Their client is liable through their good selves, the insurers, to ensure that my car is repaired to immediate pre accident condition.
Been covered a fair bit previously, just wanting to confirm understanding.
Nowt to do with original Q, just wandering orft topic as usual! :y
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Can I tax/insure MOT it before the VIC check and issuing of new V5 ? :-\
Tax yup .. but probably only at a post office, Mrs E's clit has just been repaired cat C and the online/telephone tax option wouldn't work .. but easy peasy at the PO.
Not tried to reinsure it but I guess that depends on the company .. :(
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Quick point to Essex al - if my car which is fully insured etc sustains damage to, say, a wing and a corner then my insurer, if I claim and its my fault could quite correctly ( after a big argument) write my car off (buy it back etc yadda yadda).
If A N Other strikes and damages my car and they admit liability then their insurers simply cannot write my car off and pay me their estimation of a value. I have no contract with them whatsoever. Their client is liable through their good selves, the insurers, to ensure that my car is repaired to immediate pre accident condition.
Been covered a fair bit previously, just wanting to confirm understanding.
Nowt to do with original Q, just wandering orft topic as usual! :y
Sorry , totally false, as we have just found out with Mrs E's clit ... they cans till write it off, rules changed by caselaw in the appeals court...
Court of Appeal 28 8.E.35.
Harbutt’s Plasticine Ltd. v. Wayne Tank and Pump Co. Ltd
Judgment: Lord Widgery and Lord Denning
“The distinction between those cases in which the measure of damage is the cost of repair of the damaged article, and those in which it is the diminution in value of the article, is not clearly defined. In my opinion each case depends on its own facts, it being remembered, first, that the purpose of the award of damages is to restore the plaintiff to his position before the loss occurred, and secondly, that the plaintiff must act reasonably to mitigate his loss [emphasis added]. If the article damaged is a motor car of popular make, the plaintiff cannot charge the defendant with the cost of repair when it is cheaper to buy a similar car on the market. On the other hand, if no substitute for the damaged article is available and no reasonable alternative can be provided, the plaintiff should be entitled to the cost of repair."
and this has been confirmed by the Financial Ombudsman Service... :( but the fight continues ... :)
as they undervalue the car and overprice the repair to ensure the highlighted portion is "met" ... and you have no right of appeal .. :(
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On a phone so not easy to quote and reply etc.
The case is still sound if no direct alternate car is available, especially as 'the car' ((omega elite estate in gold with all toys) and thus 3rd party insurers deemed responsible to restore to pre accident?
May not apply to a common or garden/reasonably current clit/corsa/fiesta/similar as easily....
Good luck on the challenge! :y
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On a phone so not easy to quote and reply etc.
The case is still sound if no direct alternate car is available, especially as 'the car' ((omega elite estate in gold with all toys) and thus 3rd party insurers deemed responsible to restore to pre accident?
May not apply to a common or garden/reasonably current clit/corsa/fiesta/similar as easily....
Good luck on the challenge! :y
They "showed" a Glasses guide quote of a same year/engine size clit, without power steering/air con (both then described as "no value extras"), different colour, 20,000 more miles, and 140 miles away at £300 less than the repair estimate ... and stated that was a "similar" vehicle under the quoted ruling .... :(
So don't bank on similar meaning something close ... :(
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Need to apply some real life guide adjustments ref miles and extras then. Get a car salesman on the defence side. No doubt value would yoyo dependant of whether ther were for or agin you!
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If REALLY bored read this ... it shows what you are up against .. the FOS is there to protect the insurance companies .. not the innocent party
http://www.financial-ombudsman.org.uk/publications/technical_notes/motor-valuation.html