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  • FIRST POST
    • Mmiha
    • By Mmiha 15th Apr 19, 7:01 PM
    • 1Posts
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    Mmiha
    Stolen and recovered?
    • #1
    • 15th Apr 19, 7:01 PM
    Stolen and recovered? 15th Apr 19 at 7:01 PM
    Hello, somebody please help shed some light into this.
    My car has been stolen and recovered (6 months later). The insurance company returned the car to me when it was recovered (as they never paid me anything following my claim stating it was my fault it was stolen as keys left in car).
    When it was recovered and returned to me the insurance continued as before and that was it, nobody informed me otherwise. Fast forward 1 Year today I went to sell my car to my local garage just to see the HPI came back as a stolen/write off. Now you can imagine my surprise as I was never aware of this and nobody informed me, my insurance definitely didnít communicate anything with me, my NCB was never affected, my premium stayed the same (after the car came back to me), and it was returned in very good condition. What can I do about this, as I still want to sell the car but I donít know how to explain this to the garage?
    Thank you so much
Page 1
    • eamon
    • By eamon 15th Apr 19, 7:14 PM
    • 1,751 Posts
    • 1,239 Thanks
    eamon
    • #2
    • 15th Apr 19, 7:14 PM
    • #2
    • 15th Apr 19, 7:14 PM
    In the morning ring your insurance company, explain the sorry saga and tell them that you need/want the "marker" to be removed so as you can sell the car. You will probably need to speak to somebody above call handler level to achieve this.
    • AdrianC
    • By AdrianC 16th Apr 19, 6:38 AM
    • 21,918 Posts
    • 20,643 Thanks
    AdrianC
    • #3
    • 16th Apr 19, 6:38 AM
    • #3
    • 16th Apr 19, 6:38 AM
    But it is stolen/recovered...
    • Quentin
    • By Quentin 16th Apr 19, 6:49 AM
    • 38,655 Posts
    • 22,598 Thanks
    Quentin
    • #4
    • 16th Apr 19, 6:49 AM
    • #4
    • 16th Apr 19, 6:49 AM
    Your beef is with HPI

    Contact them and explain the situation and ask them to sort it out
    • AdrianC
    • By AdrianC 16th Apr 19, 6:57 AM
    • 21,918 Posts
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    AdrianC
    • #5
    • 16th Apr 19, 6:57 AM
    • #5
    • 16th Apr 19, 6:57 AM
    Sort what out?

    The car was stolen.
    The insurers closed the file on it while it was still missing.
    The car was recovered.
    The stolen-recovered car was returned to the owner.

    The car's record is merely reflecting that.

    (OK, the claim involved zero payout due to the driver's contributory negligence - but that doesn't affect the chain of events)

    Coming soon: "I bought a used car, and it turned out to be stolen-recovered, but HPI didn't flag it and are giving me some story about how that's because the insurer didn't pay out since the keys had been left in it. Who's to blame?"
    • Quentin
    • By Quentin 16th Apr 19, 7:11 AM
    • 38,655 Posts
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    Quentin
    • #6
    • 16th Apr 19, 7:11 AM
    • #6
    • 16th Apr 19, 7:11 AM
    The hpi entry is showing it as a write off not stolen and recovered!

    They don't show stolen and recovered!
    • AdrianC
    • By AdrianC 16th Apr 19, 7:17 AM
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    AdrianC
    • #7
    • 16th Apr 19, 7:17 AM
    • #7
    • 16th Apr 19, 7:17 AM
    Yes, the insurers wrote it off while it was missing.

    That's why it's been categorised - Cat X is "Stolen/recovered, minimal damage"
    https://www.copart.co.uk/search/catxstolenrecoveredminimaldamage/


    They just didn't pay out anything after the write-off, because of the terms of the policy and the driver's contributory negligence.


    If not for the key situation, you'd be absolutely fuming if they delayed pay-out for six months just in case it was ever recovered...
    • Quentin
    • By Quentin 16th Apr 19, 7:24 AM
    • 38,655 Posts
    • 22,598 Thanks
    Quentin
    • #8
    • 16th Apr 19, 7:24 AM
    • #8
    • 16th Apr 19, 7:24 AM
    From the hpi website:

    The HPI Check will not provide details of vehicles that have been recorded as stolen but have subsequently been recovered without damage
    • AdrianC
    • By AdrianC 16th Apr 19, 7:26 AM
    • 21,918 Posts
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    AdrianC
    • #9
    • 16th Apr 19, 7:26 AM
    • #9
    • 16th Apr 19, 7:26 AM
    "without damage".

    The OP hasn't mentioned it being undamaged.
    • Quentin
    • By Quentin 16th Apr 19, 7:29 AM
    • 38,655 Posts
    • 22,598 Thanks
    Quentin
    "without damage".

    The OP hasn't mentioned it being undamaged.
    Originally posted by AdrianC
    Exactly correct!

    OP says it was in "very good condition"
    • AdrianC
    • By AdrianC 16th Apr 19, 7:38 AM
    • 21,918 Posts
    • 20,643 Thanks
    AdrianC
    "Very good condition" (for a car stolen six months before) is not exactly a synonym for "undamaged", is it?
    • forgotmyname
    • By forgotmyname 16th Apr 19, 3:18 PM
    • 28,958 Posts
    • 11,867 Thanks
    forgotmyname
    Why would the insurance company return the car to you?

    The police would have contacted you not your insurer.

    Insurance unaffected, but you did declare a claim/loss didnt you?
    Punctuation, Spelling and Grammar will be used sparingly. Due to rising costs of inflation.

    My contribution to MSE. Other contributions will only be used if they cost me nothing.

    Due to me being a tight git.
    • Mercdriver
    • By Mercdriver 16th Apr 19, 3:52 PM
    • 2,479 Posts
    • 1,687 Thanks
    Mercdriver
    "Very good condition" (for a car stolen six months before) is not exactly a synonym for "undamaged", is it?
    Originally posted by AdrianC
    It would need to pass a reasonability test. How do you measure the state of the vehicle immediately before theft to compare between before and after theft e la rental cars?
    • Ectophile
    • By Ectophile 16th Apr 19, 8:26 PM
    • 3,539 Posts
    • 2,268 Thanks
    Ectophile
    Why would the insurance company return the car to you?
    Originally posted by forgotmyname

    Because it still belonged to the OP, as the insurance hadn't paid out.


    The police would have contacted you not your insurer.
    They would naturally assume that a car recovered after 6 months would now belong to the insurance company. They wouldn't have known that the insurance didn't pay.


    Insurance unaffected, but you did declare a claim/loss didnt you?

    If the OP made a claim (albeit unsuccessful), it's safe to say that the insurance knew it had been stolen.
    If it sticks, force it.
    If it breaks, well it wasn't working right anyway.
    • forgotmyname
    • By forgotmyname 16th Apr 19, 10:08 PM
    • 28,958 Posts
    • 11,867 Thanks
    forgotmyname
    The OP would still be the registered keeper/owner so why would the insurer return the vehicle?

    Many years ago before keepers were required to update the keepers details my BIL bought a car off me. Months later he crashed it and my parents had a late night call to say they found my car. He didnt send the log book off.

    They didnt look to see who it was insured with but who the keeper was.

    So was the OP not the keeper? Insurance company shipped the car for free?
    Punctuation, Spelling and Grammar will be used sparingly. Due to rising costs of inflation.

    My contribution to MSE. Other contributions will only be used if they cost me nothing.

    Due to me being a tight git.
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