Bought a car / cheated - insurance write off

mollycat

s_b wrote: »

its called having a little laugh
you dont have your glasses on a chain by any chance?

Nope.

I'm not a fat, bald car dealer either. :rotfl::rotfl::rotfl:

almillar

£1200, driven for a year and now the gearbox is going? You don't mention the car, but you've done pretty well getting a year out of this car. Forget about the previously written off bit, either keep driving it till it breaks, or find out if the gearbox can be repaired or replaced cheaply (with a second hand one). If you try to sell it, there are plenty of other cars out there that haven't previously been written off, so buyers will just go elsewhere (unless it's a special car). So if I were you I'd 'write it off' financially, and drive it into the ground. Then all you've lost is 1200, which less than a new car loses as soon as you buy it!

TrickyWicky

s_b wrote: »

£1200 divided by 12= £100
or £1200 divided by 365 days =£3.28 per day
plus car still worth at least £400 on ebay

sounds cheaper than avis to me

You know sb, I don't normally agree with much you say (or if I do I won't admit to it ) but it must be said, everything you've just said makes total sense. Good post.

techspec

I use a similar thought process to Sb - all my last 3 cars have been £1000 or less. If they last just a year - its just £20 a week.

One lasted 8 years - and was sold still running, one 5 years and was still running and my current one is nearly 2 years and still going strong.

But as i said - i was happy with one year - anything else is a bonus.

I think any judge in small claims may think you have had your moneys worth.

However, if its a CAT A or B - then it should not be sold. If its CAT C or D - then the car only had repairable damage. Selling them is perfectly legal.

You may have an issue on road worthyness, if its a garage and you suspect MOT fraud - but i doubt a greabox would fall into that bracket.

Obukit

techspec wrote: »

However, if its a CAT A or B - then it should not be sold. If its CAT C or D - then the car only had repairable damage. Selling them is perfectly legal and may not show on the cars registration documents.

Not quite true. If an insurance company writes off the car and retains the salvage, they are meant to ensure that it does not go back on the road. If the ownership is retained then the owner can do whatever they want with it - even cat A cars can be VIC checked and back on the road.

TrickyWicky

Obukit wrote: »

Not quite true. If an insurance company writes off the car and retains the salvage, they are meant to ensure that it does not go back on the road. If the ownership is retained then the owner can do whatever they want with it - even cat A cars can be VIC checked and back on the road.

Erm no. Insurance companies can dispose of a car however they wish - auction, scrap, petrol and lighter.. If they send it to scrap the scrap yard have a legal obligation to scrap it. They are not allowed under any circumstances to rebuild, fix etc. Same goes if the insurers order it to be crushed with no parts salvaged. It depends on the insurers instructions but if the insurer tells them to crush it they are not allowed to break any parts from it by law.

Cat A cannot be made road legal. Once its declared Cat A thats it - the car is dead. Cat B I honestly can't remember but its structural. C is potential structural damage and/or the cost exceeded the value of the car. Cat D means they couldn't be bothered to deal with it so gave you cash.

Cat A being VIC checked and put on the road? You do realise a VIC check isn't even a safety check don't you? - It's a check of the vehicles IDENTITY. They check things like the chassis number, engine serial, gearbox serial etc. Takes about 10 minutes although VOSA advise about 40 for thorough checks. It's done to stop stolen cars being put back on the road under the identity of a smashed car. If you ever have to go through one its a bit un-nerving. They take your car into the workshop, order you to go to the waiting room, pull the big tall secure folding door along so you can't see in and thats the last you see of your wheels while they do all sorts of unknown checks. You have no legal comeback against VOSA for any damage they do in the process either which can be a bit stomach churning if its your pride and joy.

pendulum

Obukit wrote: »

Not quite true. If an insurance company writes off the car and retains the salvage, they are meant to ensure that it does not go back on the road. If the ownership is retained then the owner can do whatever they want with it - even cat A cars can be VIC checked and back on the road.

I thought the orange bit was highly suspect. Then I read the red but... totally wrong.

techspec

Obukit wrote: »

Not quite true. If an insurance company writes off the car and retains the salvage, they are meant to ensure that it does not go back on the road. If the ownership is retained then the owner can do whatever they want with it - even cat A cars can be VIC checked and back on the road.

Not quite true yerself - Cat A cars should be scrapped and no parts sold on.

Cat B - parts only can be sold - cannot go back on the road.

s_b

techspec wrote: »

Not quite true yerself - Cat A cars should be scrapped and no parts sold on.

Cat B - parts only can be sold - cannot go back on the road.

if for instance you are a breaker and buy a cat b you can put it back on the road and get a vic on it
the insurer that sold it to you will ban you from buying more salvage though or they should
cat a should basically be burnt out wrecks so unless it was something really worthwhile you wouldnt bother repairing these

TrickyWicky

Cat B also needs an engineers report etc not just a VIC check.

VIC check does nothing for safety. It's to stop cars being cloned by checking the identity of it.