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Old 24-04-2010   #1
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Cat C write off hard to insure....

I would just like to see if this has happened to anyone else. I have a 54 Stilo that was a Cat C write off due to electrical damage, just scorched the top coat of paint off the bonnet. My other half is an auto electrician so we got the car cheap and he fixed it up in no time, had low mileage etc. I had 7 years no claims model person to insure but could i insure that car.....no. All this was because it was a Cat C and many insurance companies wont touch them. I only mentioned it by chance when i was changing my insurance over and i was quickly told oh no luv cant insure a Cat C goodbye. After countless phonecalls and search engines i finally got it insured but it has cost me double the amount it should have for the simply fact it was a write off and even though it had the Vic check etc. So if anyone decides to buy a Cat C check with an insurance company otherwise you may end up paying double like me or may find you cant get insurance at all.
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Old 24-04-2010   #2
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Re: Cat C write off hard to insure....

Direct line do not take it into consideration. I have had my Cat C stilo insured with them for 2 years. They never questioned it or advised that they would not insure it.
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Old 25-04-2010   #3
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Re: Cat C write off hard to insure....

It was only because I mentioned it by accident as they do not ask a question regarding cat c on line or anywhere else so it does not need to be declared, however, when I did mention it I was informed that my insurance would have been invalid if I had claimed. It was sheila's wheels and esure that turned me down....
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Old 25-04-2010   #4
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Re: Cat C write off hard to insure....

iv never told them, it makes no difference imo., they dont ask so dont mention it
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Old 27-04-2010   #5
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Re: Cat C write off hard to insure....

Quote Originally Posted by beau View Post
iv never told them, it makes no difference imo., they dont ask so dont mention it


Past Vcar history is irrelivent.

Sisters Panda is CAT C and they insured that ok. Another car in the household is CAT D and insured ok, and I've a Stolen/Recovered marker on another, but with no issues.
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Old 27-04-2010   #6
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Re: Cat C write off hard to insure....

Insurers all have access to the MIAFTR data base which is the Anti Fraud and Theft register and this allows insurers to check if a vehicle has ever been a total loss. Once an insurer pays out a total loss on a vehicle the vehicle registration is added to the register.
There's also various HPI and DVLA checks that insurers can use.

It all depend on the individual insurer and some will only insure the risk on TPFT cover only.
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Old 27-04-2010   #7
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Re: Cat C write off hard to insure....

Quote Originally Posted by usetherudders View Post
It all depend on the individual insurer and some will only insure the risk on TPFT cover only.
Why though? How is the risk any different?
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Old 29-04-2010   #8
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Re: Cat C write off hard to insure....

you will have no problems at all,once the vehicle has been granted a vosa and an mot,insurance is not an issue but when you need to sell it thats when the problems start no garage with touch it you will have to sell private and you need to inform the new purchaser of its previous history just in case this becomes a problem as long as the work has been carried out well and safe no hassle.I have bought 4 cars from the same guy who buy's cat c &d and repairs my stilo I bought jan this year no problems from the car other than general wear n tear mine's a 03 jtd I paid about 1400 all repaired have a look its a beauty
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Old 29-04-2010   #9
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Re: Cat C write off hard to insure....

Quote Originally Posted by seboni121 View Post
once the vehicle has been granted a vosa and an mot
VOSA? Do you mean VIC

They're not needed if its a CAT-D.
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Old 26-06-2010   #10
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Re: Cat C write off hard to insure....

If you don't tell your insurer that your car was a cat C when insuring it and they find out when checking after you've had an accident they can scrap your policy.

I used ecarinsurance.co.uk after about 2wks of constant calling and checking of different companies. These guys seemed to be the only people who actually knew the differences between the different types of write-offs.

Its worth remembering that in the event of a payout by your company you wont get half as much as what you'd get if the car wasn't a write-off.

Category A
A vehicle which should have been totally crushed, including all its spare parts.

Category B
A vehicle from which spare parts may be salvaged, but the bodyshell should have been crushed and the car should never return to the road.

Category C
An extensively damaged vehicle which the insurer has decided not to repair, but which could be repaired and returned to the road.

Category D
A damaged vehicle which the insurer has decided not to repair, but which could be repaired and returned to the road.

Category F
A vehicle damaged by fire, which the insurer has decided not to repair.

Theft
These vehicles have not been recovered and ownership rests with the insurer who made the total loss payment. They are able to repossess the car as soon as it is identified, even if it has been bought innocently.
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Last edited by Tripplex; 26-06-2010 at 13:28.
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Old 26-06-2010   #11
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Re: Cat C write off hard to insure....

Quote Originally Posted by Most Easterly Pandas View Post
VOSA? Do you mean VIC

They're not needed if its a CAT-D.

Vehicles categorised as A, B or C require a VIC test before the DVLA will issue a new registration document. This will then be noted on the V5C. See www.dvla.gov.uk for more information on VIC testing.
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Old 27-06-2010   #12
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Re: Cat C write off hard to insure....

Quote Originally Posted by Tripplex View Post
If you don't tell your insurer that your car was a cat C when insuring it and they find out when checking after you've had an accident they can scrap your policy.
Not so for the following reasons.

A) at no point do they ask
B) at no point have you any obligation to find out if a car you own has previously been written off. Hundreds of people out there who are compleatly oblivious

Quote Originally Posted by Tripplex View Post
Vehicles categorised as A, B or C require a VIC test before the DVLA will issue a new registration document. This will then be noted on the V5C. See www.dvla.gov.uk for more information on VIC testing.
Its NOT noted at any point on the V5C. Says that no-where on the link above.

If a VIC marker is in place, a V5C will NOT be issued. Once VIC marker is removed having sucessfully passed a VIC, it is not placed anywhere on the V5C
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Old 27-06-2010   #13
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Re: Cat C write off hard to insure....

insurers used to ask if a car had ever been a total loss. but i havent seen or heard them ask that when getting quotes for years. possibly because of the new cat rules.

my son had a cat D once i got for him for peanuts, he then crashed it and got double what i paid for it off the insurance
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Old 27-06-2010   #14
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Re: Cat C write off hard to insure....

Quote Originally Posted by dave View Post
my son had a cat D once i got for him for peanuts, he then crashed it and got double what i paid for it off the insurance


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Old 27-06-2010   #15
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Re: Cat C write off hard to insure....

Quote Originally Posted by Most Easterly Pandas View Post

A) at no point do they ask
B) at no point have you any obligation to find out if a car you own has previously been written off. Hundreds of people out there who are compleatly oblivious

A) They dont need to ask, the fact will show up as soon as they run the number through the database when they set up the policy. Some insurers refuse to cover cat Cs not because of the safety implications but because of the fact they are difficult to value accurately. They might tell you what they know about the car when you take out the policy but they are under no obligation to.

B) Correct, but they will find out if their car gets nicked or written off again and they get a reduced payment on account of its low value. So more fool them for not checking up on the cars history
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