Insurance Question - Anyone Help?

[A18NHH]

Basically i've seen a car that is a bargain but only a bargain because it was a cat d....

I've typed in the reg number in my insurance database online and it gives me a quote but would the database take into account it was a cat d (i.e. is the quote valid and accurate)?


A18NHH

 

[Joske]

What has the damage/repair got to do with the cars insurance? A quote would be valid for that car whether it was a CAT D or not. Makes no difference unless the repair involved changing the appearance of the car from standard.

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[Anonymous]

for some reason i was under the impression that when insuring a car you have to tell the insurance the fact it is perviou CAT D.

i understand what you sy though.

surely the fact t is a cat d means when they enter the carreg in their computer system they will find out all the details anyway?

 

[andyb76]

my previous car was a cat d my fiat brava and by law you dont have to tell the insurance company thats what i was told all that happens is that if you claim and the car is written of again they take of 25% of the book value as its previously been paid out on. i told them my was a cat d and they wanted a copy of the current m.o.t and the previous prior to accident m.o.t as well just to prove the car is road worthy which i got from an m.o.t station

if its a cat d or cat c make sure it has a new m.o.t done after it was classed as a write off otherwise the current m.o.t is void and so will all other documents be

andyb76

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[A18NHH]

Cheers - i was just un certain around the whole thing - i had heard on another forum that certain insurance companies wouldn't insure a car that is a CAT C or D

Cheers for your help

 

[seb]

entering the reg will only tell them what car it is

 

[Anonymous]

TheInsurance companys know EVERYTHING about the car from the registration number. The RAC would not insure it

 

[seb]

the initial quote will only tell them what the car is, once they take the insuranc eup they would look into it further, that is when they might call up a week later and say "hi, you have said your car has actually been in an accident" bla bla bla, or look into you and say "hi, i see you have actually had two accidents, you have only put one in the quote" etc

 

[seb]

**"hi you have not said your car has been in an accident"