Omega Owners Forum
Chat Area => General Discussion Area => Topic started by: Entwood on 29 November 2013, 18:12:36
-
Long story but Mrs E's clit is now a Cat C write-off repaired motor. Her Insurers have just informed us that they no longer insure Insurance write offs, and are cancelling her insurance in 7 days !!
Spent the last 2 hours on the phone trying to get quotes... you can't use internet comparison sites as there is no "cat C" input on any of them.... so you have to phone potential insurers and ask ... which is proving a tad frustrating.
Can anyone tell me insurance companies who DEFINITELY - WITHOUT FAIL - insure Cat c write offs ??
Any one driving a cat C .. please .... who are you insured with ??
Pretty please ... with knobs on ?? ... and chocolate sprinkles ??? :'( :'( :'( :'(
-
I don't know for definite .... :-\
Have you tried Advance in Commercial Rd.... ??
They claim they will insure anything :-\
I know they are very good for PH insurance :y
-
My Omega is insured with LV if that helps, Adrian Flux also worth a looksie, as they will insure pretty much anything :y
-
swiftcover i have a cat c insured with them no problems whatsoever
-
I have a trade policy which covers Cat c cars but it's more money.
-
Never had an issue with covering cat C's , swiftcover are vile though >:(
-
+1 with swift cover. Cheap but not cheerful. Washer pump works a treat by the way mate.
-
Many thanks for the comments and advice .. please keep em coming .. company names are good .. looks like an hour or so on the telling bone Monday morning ....
-
http://www.quoterack.co.uk/Category-C-D-Write-off-Insurance.aspx
-
http://www.quoterack.co.uk/Category-C-D-Write-off-Insurance.aspx
Thats a great link Rob, gone straight into my Favourites folder! Thanks :y
-
http://www.quoterack.co.uk/Category-C-D-Write-off-Insurance.aspx
Many thanks ... filled in and awaiting calls during daylight hours !! .. much appreciated :y :y
-
Never had an issue with covering cat C's , swiftcover are vile though >:(
care to enlighten us been with them for years no hasstles when my car was written off they paid me out a very good price with no problems i kept the car and still have it insured with them with no additional costs on the premium theyve always provided a first class service with the 3 cars we have insured with them
-
Admiral, multi car, if that matters.
-
All you need to remember when insuring a car is
1 they are all con-men,charlatans.
2 will get out of the pay-out as quick as they can.
3 change the rules when ever you ring them.
4 charge what they like because they are a cartel.
5 like bankers and politicians.
-
Admiral, multi car, if that matters.
Admiral were the insurers of Annette's Astra when a young girl crashed into the back of it, writing it off. Annette had been using the car up until when the assessor examined the car & his verdict of write off. Admiral then just happened to say that they don't insure write offs .... thanks for letting us know! ??? Perhaps what they should have said was, they don't insure them till they've had a VIC :-\
-
Precisely.
...nobody insures without a Vic.
-
Admiral, multi car, if that matters.
Admiral were the insurers of Annette's Astra when a young girl crashed into the back of it, writing it off. Annette had been using the car up until when the assessor examined the car & his verdict of write off. Admiral then just happened to say that they don't insure write offs .... thanks for letting us know! ??? Perhaps what they should have said was, they don't insure them till they've had a VIC :-\
Been onto Admiral ... they want a "new" MOT and a VIC before even considering a quote .. original MOT is still valid and VIC only needed for a new V5C ... so neither needed legally .. just them being bloody awkward.
Justs hows what a bunch of rip-off merchants they all are ... Insurance is "supposed" to be about "risk" ... so how does driving a Cat C repaired car increase the "risk" of a further accident ?? .. answer .. it can't ... but we'll just increase the premiums by 180% ( yup ?87 to ?193) anyway ... :(
-
It's just another excuse >:( if the car is damaged again it will be written off and any settlement will be tiny due to it previously being written off. Which saves them money. Sorry saves them even more money >:(
-
You can't win against these Gangsters Mr Entwood, so you need to either keep looking until you find one that has a soul (good luck with that!) or you comply with their outrageous demands >:(
-
You can't win against these Gangsters Mr Entwood, so you need to either keep looking until you find one that has a soul (good luck with that!) or you comply with their outrageous demands >:(
Plead ignorance, they're obliged to pay out any third party costs whether they choose to wriggle out of any claim you might make or not...
-
Admiral, multi car, if that matters.
Admiral were the insurers of Annette's Astra when a young girl crashed into the back of it, writing it off. Annette had been using the car up until when the assessor examined the car & his verdict of write off. Admiral then just happened to say that they don't insure write offs .... thanks for letting us know! ??? Perhaps what they should have said was, they don't insure them till they've had a VIC :-\
Been onto Admiral ... they want a "new" MOT and a VIC before even considering a quote .. original MOT is still valid and VIC only needed for a new V5C ... so neither needed legally .. just them being bloody awkward.
Justs hows what a bunch of rip-off merchants they all are ... Insurance is "supposed" to be about "risk" ... so how does driving a Cat C repaired car increase the "risk" of a further accident ?? .. answer .. it can't ... but we'll just increase the premiums by 180% ( yup ?87 to ?193) anyway ... :(
Mmmmmno, I don't agree Nige tbh. If the first line of this thread is correct, that implies this is the first attempt to insure the car as a CatC....?
That being the case I would expect the insurer to want to examine the car structurally or whatever, to be cirtain that it has;
Been repaired
The repair is up to scratch
Its not been cut n shut.
The numbers still match up.
And then, once that been cirtified (by the Vic check)
It is up to Mot standard sine the accident.
Assuming I have the order of events correct, I've speed read most if it tbh.
No insurer will cover a cat c without inspection.
However if it's a historical cat c then the Vic check details should exist somewhere, no? Dvla? And then the original mot should stand.
-
Hello,
I've insured cars & bikes (cat C+D) on ebike/eCar with no issues.
Brendan
-
The MoT issue arises from the simple fact that when the car is written off, the MoT, however current, gets voided.
The VIC is not a repair check, rather one that confirms the car is original, ie all the chassis identifiers match and are untampered with.
The subsequent MoT check simply confirms that the car is roadworthy, again not a specific check of the repair...
:y
-
The MoT issue arises from the simple fact that when the car is written off, the MoT, however current, gets voided.
The VIC is not a repair check, rather one that confirms the car is original, ie all the chassis identifiers match and are untampered with.
The subsequent MoT check simply confirms that the car is roadworthy, again not a specific check of the repair...
:y
Not according to DVLA .. https://www.gov.uk/vehicle-identity-check/taking-your-car-for-a-vic-test
"When you take your vehicle for a Vehicle Identity Check (VIC) test the following must apply:
the car must be roadworthy and able to be driven under its own power
the car must have a valid MOT if it needs one (if you?re driving it to the VIC)
the person driving the car must be insured
the car must have front and rear number plates (if you?re driving it to the test)"
so it must have an MOT BEFORE any VIC check .....
Also, the car now has a VIC check marker against it due to the Cat C repair but this site
http://motinfo.direct.gov.uk/internet/servlet/ECHIDDispatcher
informs me the MOT is valid until 20/09/2014 .. exactly the same date as the certificate.. so MOT has not been "voided" in any way.
Lastly .. Direct Line are happy to insure it without the VIC and with the current MOT, so if one can do it... why not the rest ??
-
An MOT can only be voided by the issue of a prohibition notice, as I understand it.
That said, a VIC is exactly as its' name suggests, a check of identity only, so I'm not surprised the insurance company want to see it get through an MOT. An accident may well have rendered it unable to pass an MOT, therefore, an MOT gives some indication that it's been put back into a roadworthy condition during repair.
-
If a car is written off, the Mot at the time is void. How can it not be? :-\
-
If a car is written off, the Mot at the time is void. How can it not be? :-\
So, "written off" by a rip-off insurance company for a door and a quarter panel replacement ?? that "their" repairers said would cost ?1400 ... actual cost ?900 - for a really first class job ... having "valued" the car at ?1100 when it would cost ?1600 to get an equivalent one off Autotrader ??
So, undervalue the car, overprice the repair and its an "uneconomic write off" ... as said .. a quarter panel (plastic), a door, and a bit of paint.......
so what has that to do with the MOT .. none of those items even get checked on an MOT ??
-
Wo easy tiger. I'm not bending my experience to suit your situation Nige. That's just how I remember. Quite possibly wrongly it has to be said.
But..,Isn't that/shouldn't it be, a Cat D? Cosmetic?
Cat C being structural? Just asking, don't bite me head off ;D
-
Wo easy tiger. I'm not bending my experience to suit your situation Nige. That's just how I remember. Quite possibly wrongly it has to be said.
But..,Isn't that/shouldn't it be, a Cat D? Cosmetic?
Cat C being structural? Just asking, don't bite me head off ;D
:)
Insurance categories for write off
https://www.abi.org.uk/~/media/Files/Documents/Publications/Public/Migrated/Motor/Code%20of%20practice%20for%20disposal%20of%20motor%20vehicle%20salvage.ashx
C / D nowt to do with structure etc ...... purely down to finance - and only in the Insurers interest .......never the paying customers or the innocent parties .. :(
Sorry if I reacted a tad .. been a long day arguing with faceless idiots. FOS now involved
-
You're going to have to bend over, Nige, you can't win with these twots.
-
I had a similar conversation with my insurers the first time the Omega was written off :-\ I didn't question it at the time because the insurers were the least of my problems, but I do recall having to have the car MoTd prior to the VIC. As I understood it, the car had to be freshly roadworthy in order to present it :-\ That was 4 years ago though...
If the rules are followed to the letter, the pre accident V5 goes to the insurer, and onto the DVLA as a transfer of ownership to the insurer. You then buy the car back, effectively changing ownership...
So say the car was owned from new, insurers become the second owner, on buying the car back, you become the third owner...
The system is far from perfect, but it is what it is ;)
-
Wo easy tiger. I'm not bending my experience to suit your situation Nige. That's just how I remember. Quite possibly wrongly it has to be said.
But..,Isn't that/shouldn't it be, a Cat D? Cosmetic?
Cat C being structural? Just asking, don't bite me head off ;D
:)
Insurance categories for write off
https://www.abi.org.uk/~/media/Files/Documents/Publications/Public/Migrated/Motor/Code%20of%20practice%20for%20disposal%20of%20motor%20vehicle%20salvage.ashx
C / D nowt to do with structure etc ...... purely down to finance - and only in the Insurers interest .......never the paying customers or the innocent parties .. :(
Sorry if I reacted a tad .. been a long day arguing with faceless idiots. FOS now involved
Seems both our experiences with insurers are very different to the link then. But there's no surprise there. Lpg certification was a total farce for me. Nobody in the insurance game knows the details past a basic quote. And even then...
I had to guide the jobsworth on the phone through the relevant procedure, then gave up and asked for the underwriter(?) as the staff simply where not capable.
Take it higher I guess?
-
Wo easy tiger. I'm not bending my experience to suit your situation Nige. That's just how I remember. Quite possibly wrongly it has to be said.
But..,Isn't that/shouldn't it be, a Cat D? Cosmetic?
Cat C being structural? Just asking, don't bite me head off ;D
:)
Insurance categories for write off
https://www.abi.org.uk/~/media/Files/Documents/Publications/Public/Migrated/Motor/Code%20of%20practice%20for%20disposal%20of%20motor%20vehicle%20salvage.ashx
C / D nowt to do with structure etc ...... purely down to finance - and only in the Insurers interest .......never the paying customers or the innocent parties .. :(
Sorry if I reacted a tad .. been a long day arguing with faceless idiots. FOS now involved
Seems both our experiences with insurers are very different to the link then. But there's no surprise there. Lpg certification was a total farce for me. Nobody in the insurance game knows the details past a basic quote. And even then...
I had to guide the jobsworth on the phone through the relevant procedure, then gave up and asked for the underwriter(?) as the staff simply where not capable.
Take it higher I guess?
Looking that way... :-\
-
ive taken cars for a vic before that haven't been repaired and a couple of times they checked them on the back of the truck.so ive heard there stopping doing them soon.ive insured cat c,d cars without a vic before.
-
The Merc I bought recently was an insurance loss and presumably Cat C as I have to take it for a Vic check.
The single reason it was written off was a dented door - could have been fixed with used parts for easily a couple of hundred quid.
Its one big scam imo.
(http://i1238.photobucket.com/albums/ff500/Albs59/DSCF1900_zpsa73b1f8a.jpg) (http://s1238.photobucket.com/user/Albs59/media/DSCF1900_zpsa73b1f8a.jpg.html)
I haven't yet gone through the rigmarole of insuring it. Got that to come soon.