Insuring a Category D car

Marie27lol

Good Morning,

My car has been pranged into, and a garage has said theinsurers will probably say it is a write off due to the car’s age and the costof repairs.

However, I have been told I could rebuy the car for scrapvalue, and this would my car a Category D vehicle.

How would this affect my insurance of the car nextyear? Would it increase the premiumsetc?

Thanks

M

Foxy-Stoat_3

It may effect the car's value, check with the company has you may need to advise them its a cat D.

It will need a VIC check and new MOT once its been repaired.

Inner_Zone

Foxy-Stoat wrote: »

It will need a VIC check and new MOT once its been repaired.

Not for Cat D, a VIC check is only required for a Cat C and even then the MOT if still current is still valid.

atrixblue.-MFR-.

Marie27lol wrote: »

Good Morning,

My car has been pranged into, and a garage has said theinsurers will probably say it is a write off due to the car’s age and the costof repairs.

However, I have been told I could rebuy the car for scrapvalue, and this would my car a Category D vehicle.

How would this affect my insurance of the car nextyear? Would it increase the premiumsetc?

Thanks

M

Be prepared for some surprises. Once your policy has been paid out (they pay you out for your car) most insurers will then close the existing insurance policy as the policy has been fulfilled.


Some insurers underwriters, will then not take the vehicle back on the books due to them writing it off so you may have to find another insurer who will.



Other insurers will take on a cat D and C but will inform you that it will be at a reduced pay out in the event it is written off again and the policy tends to be higher due to having claimed even if non fault anyway.


You should inform them of a CAT D that is known to you that is to be insured with the insurer, or they will void the policy when you get into a shunt or its stolen or damaged. any excuse to not pay out.

BeenThroughItAll

Marie27lol wrote: »

Good Morning,

My car has been pranged into, and a garage has said theinsurers will probably say it is a write off due to the car’s age and the costof repairs.

However, I have been told I could rebuy the car for scrapvalue, and this would my car a Category D vehicle.

How would this affect my insurance of the car nextyear? Would it increase the premiumsetc?

Thanks

M

The Cat D status wouldn't affect the insurance anywhere near as much as the accident itself.


I've insured Cat Ds a few times in the past and the insurer's never asked whether the car's even on the register; and I've never thought 'Crikey, that was expensive'.

hpuse

Marie27lol wrote: »

Good Morning,

My car has been pranged into, and a garage has said theinsurers will probably say it is a write off due to the car’s age and the costof repairs.

However, I have been told I could rebuy the car for scrapvalue, and this would my car a Category D vehicle.

How would this affect my insurance of the car nextyear? Would it increase the premiumsetc?

Thanks

M

There is no standard way of administering Cat D write offs within insurers.
Depending on the repair costs -some insurance companies processing the claim take ownership of the car and send them to scrap/salvage regardless whether it is fault or non-fault accident. In most cases, TP owner/keeper can negotiate since they are still the legal owner of the car.

If it is a non-fault accident you may get paid out a substantially high amount than the market value of the car. For e.g market value is £1000, you may get up to 1500 if you negotiate (for e.g based on recent repair work done etc ).

The fundamental premise is - cost of repair Vs actual value of the car.

Re: insurance premium, all write-off 's are sent to DVLA.
So some insurers associate high risk in insuring a Cat D write off. It will also appear on all vechicle identity/HPI checks. This is one of the reason why people prefer to take cash, though it is perfectly possibly Cat D written off vehicle repaired, identity checked and to be bought back on the road.

atrixblue.-MFR-.

hpuse wrote: »

There is no standard way of administering Cat D write offs within insurers.
Depending on the repair costs -some insurance companies processing the claim take ownership of the car and send them to scrap/salvage regardless whether it is fault or non-fault accident. In most cases, TP owner/keeper can negotiate since they are still the legal owner of the car.

If it is a non-fault accident you may get paid out a substantially high amount than the market value of the car. For e.g market value is £1000, you may get up to 1500 if you negotiate (for e.g based on recent repair work done etc ).

The fundamental premise is - cost of repair Vs actual value of the car.

Re: insurance premium, all write-off 's are sent to DVLA.
So some insurers associate high risk in insuring a Cat D write off. It will also appear on all vechicle identity/HPI checks. This is one of the reason why people prefer to take cash, though it is perfectly possibly Cat D written off vehicle repaired, identity checked and to be bought back on the road.

CAT D vehicles DO NOT require a VIC (Vehicle Identity Check).

Marie27lol

Thank you for all your feedback.

Looks like the best thing will be to call several companies and ask around.

M

Spicy_McHaggis

atrixblue.-MFR-. wrote: »

Be prepared for some surprises. Once your policy has been paid out (they pay you out for your car) most insurers will then close the existing insurance policy as the policy has been fulfilled.


Some insurers underwriters, will then not take the vehicle back on the books due to them writing it off so you may have to find another insurer who will.



Other insurers will take on a cat D and C but will inform you that it will be at a reduced pay out in the event it is written off again and the policy tends to be higher due to having claimed even if non fault anyway.


You should inform them of a CAT D that is known to you that is to be insured with the insurer, or they will void the policy when you get into a shunt or its stolen or damaged. any excuse to not pay out.

Why would they do that?

Sound like the claim is off a third party.