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[05omegav6]

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

[chrisgixer]

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

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?

[05omegav6]

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

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...

[sierrapaul]

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.

[albitz]

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.



I haven't yet gone through the rigmarole of insuring it. Got that to come soon.