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Old 31-08-2016   #1
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Advice about insurance and cat c please

Hi i'm after bit of advice with regards to a recent acciddent my girlfriend had in my stilo. insurance company asked for the stilo to be collected and assessed by their acciddent repair company which we agreed to... they collected the car yesterday and today we recieved an email informing us that the car was being collected by a salvage company and that it was a total loss and that we should collect out belongings from it.

after a long chat with insurance company they have agreed not to have the car collected by the salvage company and have agreed to return the vehicle to us however the girl at admiral was adament that they would have to register the car as a category c even though i want the vehicle returned and don't want admiral to do any damage repair.

my question is how to i stand legally as all i want is admiral to return our car and not register it as a cat c

the only damage to the car is a front wing front bumper and headlight. i don't want to have to have the car assessed to put it back on the road i just want to bolt on the bits and drive it again, is this possible?

wish we'd never agreed to admiral collecting the car.

anyone have a similar experience?

oh and the last thing she said was that if i could get quotes cheaper than the 1400 quid their company had quoted from a body shop then they would reassess the cat c/d situation.

thanks
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Old 01-09-2016   #2
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Re: Advice about insurance and cat c please

Hi, sorry to hear of your accident.

Here's an article I wrote on this subject for the magazine of Volvo Owners Club. I hope some of it helps...

We were recently asked by one of our other car club partners for our comments and understanding of the demise of the DfTs Vehicle Identity Check (VIC) programme for an article in their magazine. So I thought it might also be useful to share our thoughts with you.

Background (taken from DfT Consultation Responses document).
Insurers log details of all written-off vehicles according to 4 salvage categories (A scrap only; B break for spare parts; C repairable total loss where repair costs exceed the vehicle pre-accident value; D repairable total loss where repair costs do not exceed the vehicle pre-accident value), and pass the information to the Driver Vehicle Licensing Agency (DVLA). The VIC scheme applied to salvage categories A, B and C; DVLA would place a VIC marker on these vehicles computer record, preventing issue of a replacement Vehicle Registration Document (V5C) or licensing reminder (V11) until the VIC marker had been removed. For this to happen, the vehicle was required to undergo and pass a VIC check conducted by VOSA.

The scheme was introduced in 2003 to help combat vehicle ringing. Typically, this involves the theft of a car of significant value, which is then given the identity of a similar car (make, model, colour etc) which has been the subject of an insurance write-off. The written-off car is obtained cheaply; its identity (Vehicle Identity Number (VIN) and Vehicle Registration Mark (VRM)) is then transferred to the higher value stolen car which, now apparently genuine, can be sold at market price.

Not fit for purpose
What came out in the DfTs Consultation on abolishing the scheme was that there was an apparently widespread mis-conception that the VIC programme was about roadworthiness when in fact it was purely designed to ensure vehicle authenticity, thus reducing vehicle crime and protecting purchasers from being duped. But even that didnt work! During the 12 years of its existence only 38 cars were detected as being ringers. Ergo, the cost of detection is thought to be about 4m per vehicle caught.

Where do you stand now?
With the progressive tightening of regulation for the salvage industry the insurers write-off categories have gained some clarity, distinguishing clearly between safety and cost of repairs. Cat A or B write-off vehicles are classed as unsafe and therefore will not be allowed to return to the roads they are only fit for destruction - and Cat C write-offs (uneconomical repair) will no longer need a VIC test from VOSA before returning to the highway. Cat D never did.

Retained salvage
Now, it is all too easy to find that the cost of repairs of a cherished vehicle could exceed by some margin the actual market value of the vehicle (Cat C or D). As we know, this might be not only a matter of love and affection for the vehicle, but have a real relationship to the perceived historic value of the vehicle now, or in the future. Volvo Owners Club in particular, has been looking into this issue with DVLA and the Department for Transport. It is early days yet, but one simple piece of advice seems apt. Until you agree a settlement with the insurance company, the vehicle is yours.

It is your property and they cannot scrap it without your consent. Specialist insurance policies will allow for the return of the vehicle remains if Cat B, C or D. Volvo Owners Club is concerned that not all inspection engineers are historic aware and they may sometimes wrongly apply modern and inapplicable approaches to their inspections. It is important to ensure, if you intend to rebuild the vehicle at your own cost, or at a cost above the insurance companys valuation, that it does not get involved in being Cat B written-off where a Certificate of Destruction will be required for the body shell/frame/chassis after crushing. You might be left with a bag of bits you cant use again as a complete vehicle.

The specialist insurers who really understand enthusiast business will go out of their way to try and accommodate an owner who wants to retain a vehicle, where the arguments are solely around economics (Cat C or D) Chris Knott Insurance has plenty of experience of that and it usually comes down to negotiating a figure for cash-in-lieu of repairs, with some deduction for the value of salvage that an insurer would otherwise have earned.

In conclusion, it is as yet unclear whether the government will bring in an alternative measure to ensure roadworthiness beyond MOT tests (again not designed for such) before ANY vehicle is returned to the roads.

best,
Nick
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Old 01-09-2016   #3
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Re: Advice about insurance and cat c please

thanks for that chris all very informative.

was a bit worried last night that it was the last i'd be seeing of my stilo was even tempted to scale the gates of the compound it was kept in.

went and picked it up this evening so it's back where it belongs on my drive

off up north on saturday to pick up the parts for repairs

scrap my stilo!!!! not ****ing likely!!!
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Old 11-09-2016   #4
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Re: Advice about insurance and cat c please

Quote Originally Posted by yampug View Post
however the girl at admiral was adament that they would have to register the car as a category c even though i want the vehicle returned and don't want admiral to do any damage repair.

my question is how to i stand legally as all i want is admiral to return our car and not register it as a cat c
If they write it off then they'll have to add it to MIAFTR with the relevant CAT the total loss is deemed to be.

If you withdraw the claim and don't have any payout then it won't have been written off and won't be added to MIAFTR as such.

You could potentially see if you can get a repair cost within market value and settle cash in lieu but tbh probably better of to have it written off, retain salvage and repair it where you want

Quote Originally Posted by ChrisKnottIns View Post
Specialist insurance policies will allow for the return of the vehicle remains if Cat B, C or D
Legally all policies allow this already as no insurance company has any right to the physical salvage of the indemnified unit. All they can do, as you've already mentioned, is deduct a fair value for the salvage from the total loss payout. Most will strongly recommend against retaining a CAT A or B for safety and disposal reasons however.
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Old 16-09-2016   #5
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Re: Advice about insurance and cat c please

Stilo is now repaired and looking as good as it did before the accident its also been for an mot and passed with only a small adjustment of a headlight. Insurance paid out 1255 less 100 quid salvage total cost for repairs was 850
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