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[albitz]

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.

[twiglet]

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. 

[zirk]

One of my sons has just insured a Cat D, no issues.  , think it does depend on the Insurance Co though.

[Big_Al]

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. 

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

[Field Marshal Dr. Opti]

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. 

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.    

[Big_Al]

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. 

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.

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 ?

[flyer 0712]

Yep  essex big al is quite right in what he has stated 

[Big_Al]

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 

[05omegav6]

No probs insuring my Cat C, and it's a commercial policy

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

[albitz]

How do I go about getting a VIC check ? 

[MR MISTER]

https://www.gov.uk/vehicle-identity-check-site

[albitz]

Cheers.
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.

[MR MISTER]

Cheers.

Always here to help a good friend, Albs.

[Big_Al]

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.

[albitz]

Can I tax/insure MOT it before the VIC check and issuing of new V5 ?