Third party cover - hit by another car

McKneff

You may be charged a cancellation fee if you do indeed cancel it, even within the 14 days you mention, you really need to look in your terms and conditions. It is very likely to be there. So check before you do anything.

AliceBanned

cartakeback.com looks good - offer to pick up is £135. Thanks. not sure I would get any more on ebay and it would be more hassle.

AliceBanned

McKneff wrote: »

You may be charged a cancellation fee if you do indeed cancel it, even within the 14 days you mention, you really need to look in your terms and conditions. It is very likely to be there. So check before you do anything.

Thanks McKneff - well she said no cancellation fee on the phone, because it was a no fault accident - I'd get a full refund of what I've already paid, and no fee. If I stay they have put it up from £16pm to £26pm in the interim, but if I don't do the MOT and leave things as they are they will cancel, and that is a black mark on my insurance record, very bad apparently so I have 14 days from today to sort this out. I'm likely to cancel - car going for MOT on Mon and I will then know whether worth hanging on to it, and if it passes can then also do the VIC, keep it on the road and keep the insurance, hopefully at the same premium. I just want to make sure i don't lose out as I didn't do anything wrong, although i know insurance rarely works like that in reality.:(

AliceBanned

rev_henry wrote: »

Yes that sounds a good plan. Cancel the insurance. Does it really matter that its uninsured for a few days? Or do you not have a driveway?

I wouldn't take the first offer from the insurance, try and up it a bit at least, they can only say no!

You'd be surprised what people will buy on ebay, if you can be bothered you'd almost certainly get more than scrap that way.

ok thanks. Since this I've been to a second hand car dealer (recommended by a friend) but the cars I saw for £500-800 were nowhere near as good as I know mine is, they looked rough inside, much higher mileage, no service history. Mine has old bodywork about to go in a year or two, but inside is pristine compared to these and even sounds better. It's M reg but had 6 or 12 months services throughout. So decided I have nothing to lose by putting it through MOT on Mon and seeing what outcome is. It was only a rear dent in the accident and may not be enough to make it unroadworthy; just drove it round the block and the old girl feels the same to me. I only have cost of an MOT to lose and then if anything horrendous shows I'll just scrap it and try and get higher from the third party. It's all a bit all over the place and taking time. In the meantime I have the courtesy car which to be honest is nice but my old banger suits me fine for my needs right now.

rev_henry

AliceBanned wrote: »

ok thanks. Since this I've been to a second hand car dealer (recommended by a friend) but the cars I saw for £500-800 were nowhere near as good as I know mine is, they looked rough inside, much higher mileage, no service history. Mine has old bodywork about to go in a year or two, but inside is pristine compared to these and even sounds better. It's M reg but had 6 or 12 months services throughout. So decided I have nothing to lose by putting it through MOT on Mon and seeing what outcome is. It was only a rear dent in the accident and may not be enough to make it unroadworthy; just drove it round the block and the old girl feels the same to me. I only have cost of an MOT to lose and then if anything horrendous shows I'll just scrap it and try and get higher from the third party. It's all a bit all over the place and taking time. In the meantime I have the courtesy car which to be honest is nice but my old banger suits me fine for my needs right now.

Fair enough. You don't need to get a new MOT on it until its been cat C'd though, or are you doing this to check if it'll pass kinda thing?
Yeah if it passes MOT and VIC you'll get a payout of maybe £400+, then spend maybe £100 on the MOT and VIC (dunno how much VIC costs though, just guessing), so you'll have a functioning car and £300 in your pocket.

With regards insurance, I'd still suggest cancelling and shopping around - the current company may well be the cheapest before, but with a no fault accident and insuring a cat C changes things so you may be able to do better than £26 a month.

The kind of dealers who sell cars in that price bracket do tend to just have clapped out high mileage things, much better bidding on ebay, or just private sales at that price.

AliceBanned

rev_henry wrote: »

Fair enough. You don't need to get a new MOT on it until its been cat C'd though, or are you doing this to check if it'll pass kinda thing?
Yeah if it passes MOT and VIC you'll get a payout of maybe £400+, then spend maybe £100 on the MOT and VIC (dunno how much VIC costs though, just guessing), so you'll have a functioning car and £300 in your pocket.

With regards insurance, I'd still suggest cancelling and shopping around - the current company may well be the cheapest before, but with a no fault accident and insuring a cat C changes things so you may be able to do better than £26 a month.

The kind of dealers who sell cars in that price bracket do tend to just have clapped out high mileage things, much better bidding on ebay, or just private sales at that price.

Hi rev-henry, thanks but I think it has been Cat c'd, ie the third party insurer's have sent me a letter stating this - their mechanic came to see it. I don't really understand why he's made it cat c though as it drives fine. Does this sound right? It is only a dent in the back and some damage to the boot so it is all a tiny bit skewed and harder to open and close - maybe this is why.

OK, thanks re the insurance. I may well cancel, will see what tomorrow brings with the MOT to start with. I think they said it would go back down if it passed as was no longer Cat C. But I will shop around anyway.

Ok will look at private sales I think. I will find it hard to bid for a car on ebay - is there usually a chance to see them before hand? It seems very risky! Thanks

rev_henry

AliceBanned wrote: »

Hi rev-henry, thanks but I think it has been Cat c'd, ie the third party insurer's have sent me a letter stating this - their mechanic came to see it. I don't really understand why he's made it cat c though as it drives fine. Does this sound right? It is only a dent in the back and some damage to the boot so it is all a tiny bit skewed and harder to open and close - maybe this is why.

OK, thanks re the insurance. I may well cancel, will see what tomorrow brings with the MOT to start with. I think they said it would go back down if it passed as was no longer Cat C. But I will shop around anyway.

Ok will look at private sales I think. I will find it hard to bid for a car on ebay - is there usually a chance to see them before hand? It seems very risky! Thanks

Ah ok. Er writing it off makes sense because its basically worth nothing in the insurers eyes, so not worth any repair. Cat C doesn't though, wonder why its not just cat D. I don't really know enough to comment though.

Er no once its cat C its always marked as a cat C, even if its roadworthy, not sure what they meant by this.

Yes most honest sellers will encourage you to come and look before bidding. Find a friend who knows his (or her, I suppose ) cars to go with you. And remember if its not as described at all you can walk away, even if you've won it. And of course post links to cars you find here if you like.

AliceBanned

rev_henry wrote: »

Ah ok. Er writing it off makes sense because its basically worth nothing in the insurers eyes, so not worth any repair. Cat C doesn't though, wonder why its not just cat D. I don't really know enough to comment though.

Er no once its cat C its always marked as a cat C, even if its roadworthy, not sure what they meant by this.

Yes most honest sellers will encourage you to come and look before bidding. Find a friend who knows his (or her, I suppose ) cars to go with you. And remember if its not as described at all you can walk away, even if you've won it. And of course post links to cars you find here if you like.

Are you saying I can't get rid of the Cat C even after MOT? If that is the case it may not be worth putting through MOT as insurance will be an nightmare. I suppose if it goes through the MOT ok I can still sell on Ebay and take the money from the third party.

Thanks, I will have a look and post links if I have questions on cars.:) that's if I do need to look after tomorrow!

rev_henry

AliceBanned wrote: »

Are you saying I can't get rid of the Cat C even after MOT? If that is the case it may not be worth putting through MOT as insurance will be an nightmare. I suppose if it goes through the MOT ok I can still sell on Ebay and take the money from the third party.

Thanks, I will have a look and post links if I have questions on cars.:) that's if I do need to look after tomorrow!

Correct. It'll be road legal, you'll just need to declare cat C to any insurance company. Have a ring round first, I've no experience of this but wouldn't be surprised if the odd company doesn't charge any extra for a cat C.

AliceBanned

rev_henry wrote: »

Correct. It'll be road legal, you'll just need to declare cat C to any insurance company. Have a ring round first, I've no experience of this but wouldn't be surprised if the odd company doesn't charge any extra for a cat C.

Thanks. I just had a look with Direct Line (usually fairly cheap) and it came to £411 but that may because I didn't put that recovery had happened. I phoned the third party insurer and they said it is interim payment and I could challenge, especially as i have FSH. T cars I have seen of higher price don't and looked and sounded awful.