Help please - my car got an incorrect Insurance Classification

Elainypeps

Hope you can help

My car has been given a Category B, but is wrong and I want to sell it, it’s in good working order and passed its MOT
How do I go about getting it changed? Thank you

molerat

Start with the insurers that wrote it off - was it your insurer or a third party ? I would have not expected a CatB to be able to get an MOT.

AdrianC

More detail needed.

If it was written off - no matter the category - it's no longer yours to sell. In effect, you've already sold it to the insurer.

facade

molerat wrote: »

Start with the insurers that wrote it off - was it your insurer or a third party ? I would have not expected a CatB to be able to get an MOT.

A CatB has extensive structural damage, such that the shell must be crushed, but undamaged parts can be salvaged. No reason why a CatB couldn't pass the actual MOT if the damage wasn't now obvious, except you'd expect "The System" to reject it when the VIN number was entered and not issue the pass.


If you are sure that it has been incorrectly marked as CatB, because you have the paperwork for CatC, take it up with the insurance company who provided the paperwork, as only they can change anything.

Bought some parts off a nice looking Saab cabriolet once that the owner had bought and "repaired", then found he couldn't get a logbook as it was marked CatB and had to be crushed.

(And I found that the leather steering wheel I got was bent when I fitted it...... :eek:)

Joe_Horner

facade wrote: »

A CatB has extensive structural damage, such that the shell must be crushed, but undamaged parts can be salvaged. No reason why a CatB couldn't pass the actual MOT if the damage wasn't now obvious, except you'd expect "The System" to reject it when the VIN number was entered and not issue the pass.

Why would it?

The prohibition on returning a cat B to the road isn't anything legal, it's an insurance industry guide. Anything can be legally put back on road as long as (a) it's repaired properly, and (b) you can find an insurer to insure it. It's (b) that prevents Cat A or B cars from being used again - you simply won't get insurance.

AdrianC

Joe_Horner wrote: »

The prohibition on returning a cat B to the road isn't anything legal, it's an insurance industry guide. Anything can be legally put back on road as long as (a) it's repaired properly, and (b) you can find an insurer to insure it. It's (b) that prevents Cat A or B cars from being used again - you simply won't get insurance.

No, the biggest prevention is (c). DVLA will never again issue a V5C for anything that's been flagged as CatB. They used to, but won't since the changes that also saw the VIC discontinued.

Joe_Horner

AdrianC wrote: »

No, the biggest prevention is (c). DVLA will never again issue a V5C for anything that's been flagged as CatB. They used to, but won't since the changes that also saw the VIC discontinued.

Fair one, although that would only prevent you transferring it, not putting it on the road yourself always assuming the insurer allowed you to keep it of course. Which, come to think of it, is point (d)

But, apart from sanitation, medicine, education, wine.....

facade

AdrianC wrote: »

No, the biggest prevention is (c). DVLA will never again issue a V5C for anything that's been flagged as CatB. They used to, but won't since the changes that also saw the VIC discontinued.

Which is what happened with that Saab I mentioned. Don't know why he didn't just punt it on to someone who would buy it cheap without a V5 (like he did- it only costs £25 from the DVLA, I'll knock that off the price mate )