Category D damaged car

single_lonely

The car accident firm wish to write off my car as its too expensive to repair.

would my insurance terminate or pause.
(its got 3 months left on it so don't want it to cancel-its expensive).

Ive also realised that i would need a new MOT, they didnt tell me that.
Also my insurance will increase even though its non-fault.
is there anything else i need to know?

Sgt_Pepper_2

Insurance will end.

Do you pay monthly?

vaio

As the accident sounds like it wasn't your fault then the questions are:

Are you claiming from your insurance or the other drivers?

If yours then what happens if a total loss pay out is made depends on the company, some end the policy, others don't and it can be transferred to your new car. The T&C of your policy will reveal all.

If you are claiming direct from the other driver then your policy is unaffected and can be transferred to your new car.

In either case, if your future premiums are higher because of a non fault, then you should recover that cost together with all your other out of pocket expenses (hire car, loss of earnings etc etc) from the at fault driver (or rather their insurance company)

Finally, written off cars don't need an new MOT, the old one is valid until its normal expiry date

single_lonely

I have paid in full. (annual)
I am claiming from third party (non-fault)

In either case, if your future premiums are higher because of a non fault, then you should recover that cost together with all your other out of pocket expenses (hire car, loss of earnings etc etc) from the at fault driver (or rather their insurance company)

Don't you have to sign a letter saying 'this is a final settlement offer for the accident', thus making a latter claim for increase in premium void?

fivetide

Sgt_Pepper wrote: »

Insurance will end.

Do you pay monthly?

ummmm not necessarily.

I've had two claims and both times the policy continued. One I had to cancel (no part refund as obviously I had used the policy) because they wouldn't insure the replacement car but the other was fine.

It'll be in your small print somewhere. You've paid to be covered for 12 months so you might still get it.

5t.

vaio

single_lonely wrote: »

........Don't you have to sign a letter saying 'this is a final settlement offer for the accident', thus making a latter claim for increase in premium void?

I didn't but in any event there must be lots of cases where the car gets paid for now and other uninsured loses get paid for later.

Injuries etc could well take years to settle

paddedjohn

Whoever told you you would need a new mot is talking rubbish, the original cert is still valid until its expired date.

s_b

paddedjohn wrote: »

Whoever told you you would need a new mot is talking rubbish, the original cert is still valid until its expired date.

its usually dave down the pub who bores you and makes you buy him a pint:D

brushamills

Hi, Having had a cat d accident through fault of other driver, I bought the car back from insurance co.,got car repaired,(cheaper than Ins.quoted & sold car on. If u do this, u will need to have repair checked at a vosa centre, who will certify repair car is in roadworthy condition. My insurance renewal did not increase afterwards & I drove the car under old mot before & after repair.

vaio

brushamills wrote: »

Hi, Having had a cat d accident through fault of other driver, I bought the car back from insurance co.,got car repaired,(cheaper than Ins.quoted & sold car on. If u do this, u will need to have repair checked at a vosa centre, who will certify repair car is in roadworthy condition. My insurance renewal did not increase afterwards & I drove the car under old mot before & after repair.

Pretty much all wrong, VOSA VIC check is identity only and not quality of the repair or roadworthy and the check is only needed on cat C cars, cat D cars don't need anything.

You are right about the MOT though

lee678

brushamills wrote: »

Hi, Having had a cat d accident through fault of other driver, I bought the car back from insurance co.,got car repaired,(cheaper than Ins.quoted & sold car on. If u do this, u will need to have repair checked at a vosa centre, who will certify repair car is in roadworthy condition. My insurance renewal did not increase afterwards & I drove the car under old mot before & after repair.

1 cat d do not require vic check by vosa
2 vosa do not check repairs the clue is in the name " identity check"
3 the vosa check does not confirm roadworthiness.