Wrong info recorded by insurer......Advice needed

ltownsend85

Hi, I’m looking for any help or advice on where to start with this, I’m not really clued up at all. 
In 2014 I came out of work and found my car headlight had been smashed, long story short the full bumper needed taking out and the full head lamp unit replacing so it went through as a malicious damage claim amounting to £1266.00. The car went into a trusted body shop chosen by the insurer and had the work carried out.
Here’s the problem, I have just gone to put the car up for sale and did an online reg check to provide extra info checks for any potential buyers. Only to my horror I have found a big red warning stating the claim has somehow been recorded as a cat D insurance write off!! 

I bought the car in 2012 for £21,000 so 18 months later it would not  have been deemed not worth fixing,
I have the proof of no claims from the end of the policy and it shows this claim and the amount. I have gone to contact the insurance company only to find that they are no longer trading. I have no idea at all where to start in getting this false information removed or how I’m to prove that it wasn’t wrote off when the insurance company can no longer be contacted. I’ve searched all over online and can’t find anything similar been asked before

AdrianC

Six years after the claim? I think you're going to struggle. Especially if the insurer's no longer extant.

sweetsand

Btw, the insrance co's  name will help me.

A_Lert

An insurer cannot, however, simultaneously write off and not write off the car! The claim wasn't settled as a write-off and OP has evidence of that. OP retained ownership of the car, their insurer did not take it as they would do for a write-off.

angrycrow

The first thing to do is check the incident date for the cat d marker matches the date of your malicious damage claim and is not for a different date. Your hpi check will confirm this for you.

If the cat d pre dates your ownership there is nothing you can do. 

If it is the same date it has been added in error, it does happen. The only people who can amend it are the insurer who added the marker or MIAFTR. Dvla can't help you the total loss register is not controlled by them. As the insurer have gone bump you will need to approach MIAFTR directly setting our your case as you did here and ask them to remove the marker. 

Info@miaftr.com

Sandtree

ltownsend85 said:

I have gone to contact the insurance company only to find that they are no longer trading.

I'm not going to stick my neck on the line and say that no motor insurers have ceased trading in the last 6 years but I certainly can't think of any UK ones. 

Plenty of brokers and MGAs have been and gone, and some partnerships/white labels have ceased trading but the actual risk carrying insurance company is still around.

Who do you believe your insurers were? In some cases they will be referred to as "underwriters" in some presentations of paperwork.

Scottishgal87

The garage? Surely that would reveal a rough location to where @ltownsend85 lives?

sweetsand

Sandtree said:

ltownsend85 said:

I have gone to contact the insurance company only to find that they are no longer trading.

I'm not going to stick my neck on the line and say that no motor insurers have ceased trading in the last 6 years but I certainly can't think of any UK ones. 

Plenty of brokers and MGAs have been and gone, and some partnerships/white labels have ceased trading but the actual risk carrying insurance company is still around.

Who do you believe your insurers were? In some cases they will be referred to as "underwriters" in some presentations of paperwork.

Great post I thought that but did not say anyhting. Any recent insurance co faileures would have had their business passed on to another under various Gov protection schemes.

neilmcl

Scottishgal87 said:

The garage? Surely that would reveal a rough location to where @ltownsend85 lives?

And??

My nearest dealer is in Nottingham, what are you going to do with that information.

foxy-stoat

Just run a HPI check and see the date of the marker, while your at it get yourself a CUE printout, costs about £15, it may give you more details of your claim.  It may of been incorrectly been marked as a CAT D by HPI or before you bought it.

Jumblebumble

A_Lert said:

An insurer cannot, however, simultaneously write off and not write off the car! The claim wasn't settled as a write-off and OP has evidence of that. OP retained ownership of the car, their insurer did not take it as they would do for a write-off.

It is not unknown for people  to buy back the salvage when a car is written off so evidence of ownership is meaningless
In addition it is entirely feasible that the claimant could subsequently buy the salvage from the likes of Copart
I think you may be under the misapprehension  that all CAT Ds were crushed