Car written off, insurer wants documents!!

AdrianC

Strider590 wrote: »

The scum part is not accepting that it was not the owners fault

Why do I suspect 99% of people who genuine didn't send the paperwork in - as is their legal responsibility - claim it's the post's fault or similar "dog ate my homework" excuses?

And when you didn't receive acknowledgement of the scrapping/change of keeper within a month, did you chase it? No?

and then changing the reason for the fine until they eventually back you into a corner on something trivial.

<chuckle> You are funny...

mjoneseyjones

Strider590 wrote: »

The scum part is not accepting that it was not the owners fault and then changing the reason for the fine until they eventually back you into a corner on something trivial.
Beating down on tax paying citizens, just to make a point and quick £80. This ain't communist Russia, we have rights and the DVLA seems hell bent on telling us we don't.

Now if they'd put some of that effort into catching out foreign nationals who don't tax or insure their vehicles (or even have a valid driving licence), then I wouldn't mind so much.

Slamming the whole DVLA is perhaps slightly "off", I have had some good experiences with other departments (although somewhat robotic), but their enforcement department are like the Nazi SS. No such thing as innocence, only varying degrees of guilt.......

In my brief time on here I've noticed you seem to have a lot of problems with a lot of different people. Everyone's an idiot, a clown, scum or a c**t according to you.

I'd suggest that given the amount of issues you have with different people, and the fact you have the posting style of a petulant teenager, you'd be best off looking closer to home next time you have one of your confrontations.

force_ten

if you do have a cherished number on your car and it is declared a total loss by your insurance company then you have to work fast or you could loose your cherished number

as soon as the car is declared total loss, you have to express an interest in the registration number and you have to ask your insurance to send you a letter of no interest confirming they're happy for you to transfer your plate

this will delay the insurance company from disposing of the car because the DVLA may request to inspect the salvage before they agree to transfer the registration number

A few years ago i had a car that was declared as a cat B write off I immediately asked the insurance for a letter of no interest in the registration number, and they agreed to leave the car in the storage yard it was recovered to for a period of three weeks to allow me time to transfer and the DVLA to inspect the car if required

be aware if you have a plate of some value you could loose it if the car is declared total loss

force_ten

Strider590 wrote: »

The scum part is not accepting that it was not the owners fault and then changing the reason for the fine until they eventually back you into a corner on something trivial.
Beating down on tax paying citizens, just to make a point and quick £80. This ain't communist Russia, we have rights and the DVLA seems hell bent on telling us we don't.

Now if they'd put some of that effort into catching out foreign nationals who don't tax or insure their vehicles (or even have a valid driving licence), then I wouldn't mind so much.

Slamming the whole DVLA is perhaps slightly "off", I have had some good experiences with other departments (although somewhat robotic), but their enforcement department are like the Nazi SS. No such thing as innocence, only varying degrees of guilt.......

But it was your fault as you should never ever give anybody the whole V5 document

if you sell a car you have to

Complete section 6 on the V5C,Sign section 8 on the V5C, Get the buyer to also sign section 8 on the V5C, Give the new keeper the completed V5C section two and you send the rest to the DVLA

in your case you should have completed the V5C section three with the details of your insurance company and send that section to the DVLA informing them that the vehicle has been declared total loss and you have handed ownership to your insurance company

you then send the rest of the V5C to the insurance company

you were in the wrong so were partly to blame, remember ignorance of the law is no defence

Strider590

force_ten wrote: »

But it was your fault as you should never ever give anybody the whole V5 document

if you sell a car you have to

Complete section 6 on the V5C,Sign section 8 on the V5C, Get the buyer to also sign section 8 on the V5C, Give the new keeper the completed V5C section two and you send the rest to the DVLA

in your case you should have completed the V5C section three with the details of your insurance company and send that section to the DVLA informing them that the vehicle has been declared total loss and you have handed ownership to your insurance company

you then send the rest of the V5C to the insurance company

you were in the wrong so were partly to blame, remember ignorance of the law is no defence

I don't have the paperwork from 7 years ago, but as I recall failure to send the whole document meant payment for the value of the vehicle would be withheld and there was a statement whereby the ins company would handle of the work scrapping the vehicle.

force_ten

Strider590 wrote: »

I don't have the paperwork from 7 years ago, but as I recall failure to send the whole document meant payment for the value of the vehicle would be withheld and there was a statement whereby the ins company would handle of the work scrapping the vehicle.

well in that situation the DVLA state

Your insurance company may ask you for the whole registration certificate.

If this happens, write a letter to DVLA with details of your insurance company and the date you gave them the vehicle.

so either way you should have informed the DVLA that you were transferring ownership of the vehicle, as far as they are concerned you were the registered keeper and the onus is on you to inform them that this is no longer the case

I understand your frustration, but you didn't follow the correct procedure in this case

Car_54

Strider590 wrote: »

Insurers ask for the FULL document, they're very adamant on this.

They can be adamant until the cows come home, but they're wrong.

Iceweasel

Car_54 wrote: »

They can be adamant until the cows come home, but they're wrong.

I agree - all the rules are here:

https://www.gov.uk/scrapped-and-written-off-vehicles/insurance-writeoffs

force_ten

Car_54 wrote: »

They can be adamant until the cows come home, but they're wrong.

DVLA say that you can send them the whole V5C to your insurance in the event of a total loss write a letter to DVLA with details of your insurance company and the date you gave them possession of the vehicle

so the dvla accept that the insurance company may want the complete V5C

Jesco

This happened to my father and some weeks later lo and behold the 'written off car' was on the road 😏