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How to take right off cat D, and how to do insurance for cat D

volks1999
volks1999 Posts: 7 Forumite
edited 12 September 2009 at 9:50AM in Insurance & life assurance
Hi, I bought a vw golf. person did not told me about accident but after it i found it was right off cat D through hpi.

Then i rang to person he only told that this vehicle is inspected by dvla and is not right off etc. And they issue a certificate etc. But he is not contacting me after that i dont know if he is lieing.

Then to check
I rang to dvla and they said this car dont need inspection.


its still coming in hpi as accidental cat D right off.

My question is, is this car still right off cat D?

Should it go off from hpi after dvla inspection?

If not then how can we take off cat D vehicles from hpi. because its value gets down and insurance company is not doing insurance.

I told esure that my car is cat D right off. I got 7 year no claim bonus and they rejected and cancel my policy. I also rang churchill and one other company and they denied on doing cat D car insurance.

Finally i did insurance by another company through moneysupermarket but it is expensive now.

Can someone clarify above question and what i have to do to save my money. :confused:

Do I need to tell them its catD right off. I heard from some people that we should tell insurance company if it is cat D which i did. but why companies not doing insurance for cat D
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Comments

  • thanks i read the whole thread but do not answer my question.

    need to know how can we make it hpi clear etc.
  • mattymoo
    mattymoo Posts: 2,417 Forumite
    The simple answer is you cannot. It is part of the cars history now and will affect its insurability / sale values until it ends up on the scrap heap.
  • Quentin
    Quentin Posts: 40,405 Forumite
    HPI shows the car's history, so if at some time an insurance company has written it off (including CAT D) it will be recorded as such on HPI.

    It can't be "taken off".
  • volks1999 wrote: »

    Then i rang to person he only told that this vehicle is inspected by dvla and is not right off etc. And they issue a certificate etc. But he is not contacting me after that i dont know if he is lieing.

    Should it go off from hpi after dvla inspection?

    If not then how can we take off cat D vehicles from hpi. because its value gets down and insurance company is not doing insurance.

    DVLA do not inspect write offs. If it was recorded as CAT C then VOSA would have inspected it and they issue a certificate showing that it has passed a Vehicle Identity Check (VIC). This is only for CAT C not CAT D cars.

    It will always show on the vehicle history with DVLA/HPI and others that it was a CAT D write off as this is part of it's history.

    Next time do a HPI check before you buy a car.

    Re insurance, it shouldn't be hard to insure a CAT D car as there are thousands on the road. You don't need to tell the insurer as such as they have access to the MIAFTR database which would tell them it was CAT D anyway.

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  • somebody told me but cant find the person again (could be it for taxis) there could be some department in manchester who does this job. mean inspection then it can be clear from hpi.

    then i found from hpi company then if the car is inspected then it can be cleared from hpi after six month.

    but problem is here still dont know ? do i need dvla check or some other government depertment who deals with it to inspect the car and send data to hpi for clear.

    posted here that might be someone knows about this.
  • mattymoo
    mattymoo Posts: 2,417 Forumite
    Nobody inspects Cat D write offs. They are repairable vehicles but the insurers chose not to on economic grounds. You are thinking about Cat C write offs where VOSA will do identity checks to ensure the vehicle is legally what it purports to be. It does not remove the marker though.

    The Cat D marker is there to stay - no way to remove it.
  • volks1999
    volks1999 Posts: 7 Forumite
    edited 12 September 2009 at 11:06AM
    ok, i will try to find out from hpi again and will find out what they mean hpi clear.

    Another question if i want to sell the car to somebody and if someone ask this question

    Has your car been subject to an insurance write off?

    shall i say "yes" or "No"

    Could be very basic question but dont know much about it? sorry
  • mattymoo
    mattymoo Posts: 2,417 Forumite
    HPI checks other things as well - outstanding finance, stolen markers placed by the Police etc. Are you getting confused with these?

    My understanding re private sale - if the direct question is asked you have to answer truthfully (your suggested reply is fine). If the seller does not ask, they have no comeback - caveat emptor (buyer beware).

    EDIT - you edited while I was posting. If asked, you would need to say Yes - Cat D write off but cosmetic damage only (if that is the case).
  • JPS29
    JPS29 Posts: 1,607 Forumite
    You say yes as it will show up on any HPI report. Hard lesson to learn but this would have shown up on yours had you done one. There will be no problem getting it insured but you will be offered less for it in any future claims and its not worth as much re sale again.
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