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Car insurance scam!!!
Comments
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Unfortunately anyone can post on MSE, as we are all warned at the top of every page, and incorrect advise like this does get left up and has to be corrected by other posters.Fortunately the law sees things different to you.
Since the law requires material fact to be disclosed where not disclosing it could influence the buyers decision.0 -
Fortunately the law sees things different to you.
Since the law requires material fact to be disclosed where not disclosing it could influence the buyers decision.
But what if the seller is not the first keeper and did not know that the car was a cat c/d?? then they can hardly disclose information that they did not know. or you are in to the whole proving they knew it scenario!!
As i said for a simple text check for £3, situations like this would be avoided! I don't even care if someone shows me a HPi certificate showing the car is clear, i still carry out a check!Plan: [STRIKE]Finish off paying the remainder of my debts[/STRIKE].
[STRIKE]Save up for that rainy day[/STRIKE].
Start enjoying a stress debt free life..:beer:...now enjoying. thanks to all on MSE0 -
Where exactly is the "scam" ??All matter is merely energy condensed to a slow vibration, we are all one consciousness experiencing itself subjectively, there is no such thing as death, life is only a dream, and we are the imagination of ourselves.0
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Cars can be written off for many reasons. Sometimes it can be cosmetic sometimes damage which can not be seen.
The issue is that the cost of repair is now so high that even what may appear minor damage can mean that a car is declared a total loss. Don't forget minor impact which means that some of the airbag's ( can cost up to £2K per air bag )went off could easily cost more than the cost of a modest car.
Category A: scrap only. For cars so badly damaged they should be crushed and never re-appear on the road. Even salvageable parts must be destroyed.
Category B: body shell should be crushed. Signifies extensive damage, although some parts are salvageable. Should never re-appear on road, although reclaimed parts can be used in other road-going vehicles.
Category C: the vehicle is repairable but the costs exceed the vehicle’s value. Can re-appear on road.
Category D: the vehicle is repairable but repair costs are significant compared to the vehicle value – including time delays to source parts. Can re-appear on road.
In another life I used to run very large main dealerships and customers where in most cases unaware that if they bought a e.g Cat D car and then part exchanged it the resale / trade in was normally as a rule at least half the price. The are whole garages and teams based around the salvage and repair of written off cars. It is worth mega amounts of money.
It is your money and your choice but TBH I would never put my children in a car which had been written off. Yes they can be repaired and some garages can do a really good job but???? Having seen many many cars which have been involved in major accidents I would not want to take the risk that the damage had weaken the structure and integrity of the car.
As far as I know and sorry car insurance is not my field - the insurance companies you spoke to would pay out at the very least on a third party basis.
Personally I would buy something else but hey your money your choice.
Happiness, Health and Wealth in that order please!:A0 -
A car can be written off for a dented wing/door or a cracked bumper. perfectly alright to drive. As per my previous post, my own car was twice written off and I continued to drive it; just banged out the dents. However a £9K car must have had some serious damage to be written off so yeah, best avoided.0
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doh. It's this part: "All companies said that they would NOT PAY OUT if I susequently made a claim" So they happily take your money knowing they would never have to pay out.
doh. It's already been pointed out that this is a load of BS.All matter is merely energy condensed to a slow vibration, we are all one consciousness experiencing itself subjectively, there is no such thing as death, life is only a dream, and we are the imagination of ourselves.0 -
onomatopoeia99 wrote: »That sounds like Uberrima fides which governs non-consumer contracts of insurance - it governed all insurance contracts until a couple of years ago, when the law that dated from 1766 was changed.
Which law? 1906 maybe?
Insurance contracts are still ones of utmost good faith - and still will be after August 2016.0 -
1. a) Private car sellers are not required to volunteer information, but must tell the truth if asked.
b) Professional Traders must actively tell potential consumers of anything that would effect a purchase decision. The Consumer Protection from Unfair Trading Regulations 2008.
2. a) Consumers buying car insurance must be honest and answer questions accurately, they don't have to volunteer anything.
b) If a car insurance company want information, they either have to ask a specific question or make it abundantly clear in their T&Cs. Consumer Insurance (Disclosure and Representations) Act 2012.0
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