Which companies insure previous write off's?

edmund_blackadder

Thanks for the replies all.

Sarah, not all major insurers do - Esure told me that they will not insure me because they are 'a low risk insurance company'!

vaio

edmund_blackadder wrote: »

Thanks for the replies all.

Sarah, not all major insurers do - Esure told me that they will not insure me because they are 'a low risk insurance company'!

Is this in their terms and conditions or is it the view of a call centre worker?

sarahg1969

edmund_blackadder wrote: »

Thanks for the replies all.

Sarah, not all major insurers do - Esure told me that they will not insure me because they are 'a low risk insurance company'!

I'm guessing that's because, in your case, Esure know that the vehicle is a ptl? As far as I know, they don't ask as a matter of course when issuing policies. They definitely DO insured vehicles that have been written off. Simply because they don't know whether or not they have been (except in your case, of course).

vaio

Are they one of the companies who ends the policy due to the total loss payout?

If they have I can see it would be hard to justify doing it if they then carried on insuring the same car

staggy

Most of the replies in this thread seem to point to the fact that if insurer's don't ask then you don't have to tell them. I don't fundamentally disagree with this (although it would be nigh on "impossible" to phrase a question for every single "material fact" that could be relevant and thats why as part of the "declaration" sections they usually ask for any additional info that might be pertinent to the risk they are taking on) however the OP's position here is slightly marred.

ESure have "refused" to continue isurance for this vehicle (wether their refusal is justified is another arguement). Hence the OP is obliged to tell any new insurers that he has had insurance refused and the reasons for this.

lisyloo

hmm.....I was under the impression (after much input from these boards) that if the policy you want is simply not offered by an insurer then that's not a refusal, it's simply that they do not supply that product.
It's not the same as being personally turned down as there is something (like a conviction or bad payment record) that prevents you personally being accepted.

edmund_blackadder

lisyloo wrote: »

hmm.....I was under the impression (after much input from these boards) that if the policy you want is simply not offered by an insurer then that's not a refusal, it's simply that they do not supply that product.
It's not the same as being personally turned down as there is something (like a conviction or bad payment record) that prevents you personally being accepted.

That was my understanding too ... It wasn't that they would not insure 'me' but that they don't insure any car that was previously written off.

Quote

I'd side with staggy on this one. Esure previously insured the vehicle and are now refusing to insure it. Same vehicle, same drivers, same address, same cover. It's a refusal, however you want to paint it - although not one which I imagine will cause too much of a problem. Terms and conditions and underwriting criteria for insurers change all the time. The OP would be much better off contacting an established local broker and posing the same question(s) to them.

edmund_blackadder

After all that, Esure have insured me and they have not valued my car any lower than the market value and my premiums haven't gone up at all

wolfy013

I know this thread is two years old, but the topic is now very relevant to me. I have a cat D total loss vehicle and my insurer (Axa / Swift) has declined to continue insuring it. The screen scraper sites don't ask the question and i don't want to hide it, so before I waste hours trying to ring companies and ask them, I wonder if anyone can tell me which companies definitely DO insure such cars. One of the replies above suggested Admiral, Direct Line and LV - any others?