General Written off but for practically nothing...any advice?

[sparkyfixit]

I've had a few "damaged repairable" cars now, and found that cat C and cat D are confused a lot with the insurance companies. If you still have the V5, you should not need to get a VIC check done. If the MOT tester managed to perform a test on the VOSA-linked system, then the test is valid and shows the vehicle to still be on the system. This sounds more like a cat D write-off, and the two I've had haven't had the insurance cover terminated or endorsements put on the V5. Best to speak to your local VOSA test station, and get some advice from a ministry employed tester. They'll be more up-to date with the regs.

 

[weatherforcast]

use the link i posted above, on it is a telephone number to call the dvla and ask if the car is recorded as a cat c. it will save you a lot of hassle. if you need the VIC test you can also find the address of your nearest VOSA station and you can download the application form.

 

[maxilee]

Ive just called DVLA and they said it has got a VIC Marker against it...grrr.

However, it went and got the work done that it needed to pass the MOT yesterday and it all went through fine. Also Ive just noticed that the insurance company are still taking the insurance payments out monthly...Im confused. Im thinking keep it (I still have the V5), use it (its taxed, MOTd and insured) and then when it comes to sell it either take it for a VIC or knock the cost of one (£38) off the asking price...

Ive been looking on the DVLA site and I cant find any time limits for getting the VIC or legal implications of not getting one...???

 

[Pep0]

Hi

Suggest the insurance company have not cancelled your standing order or direct debit ask for monely back.

When they write off the car it (normally) terminates the insurance contract. You need to ask them for a new cover note, or will be in trouble with courts, after police stop you or you have an accident.

Prejudically you have paid them to get the title back...

The police have keyboards in their car and can idly type in your reg number and will display 'not insured' so they pull you over and...

Noel

 

[Lukey P]

just thought id let you know that i bought a cinq for sale for £200, for a first car, sent off for the log book (bit shady i thought) and was told it was a write off, booked it in for its VIC to check it wasnt a cut n shut and the things been fine since, never been pulled over, no problems driving it, oh BTW it was written off because off a 3inch dent in the wing. rediculous, but i got a bargain of a car!

 

[maxilee]

I'll contact the insurance co. to make sure everything is up to date with them, thanks for that.

hehe - sounds like mine Luke - stuff all wrong with it (apart from the little scratch-y dent on the door). If I sell it I'll be upfront about it - whoever ends up with it will get a bargain - some of the ones on autotrader (same age and mileage) are going for a small fortune.

The insurance company tried to palm me off with £700 for it and provided 'examples' of similar models on autotrader. I was well miffed as one of the examples they used had had an engine transplant and actually said 'no guarantees on mileage, the MOTs dont tie in'...lets just say I wiped the floor with them and got a fair bit more. Numpties.

 

[rallycinq]

Hi


The police have keyboards in their car and can idly type in your reg number and will display 'not insured' so they pull you over and...

Noel

Its even sneakier than that, they have ANPR cameras.

Automated Number Plate Recognition.

The camera scans all car number plates, compares them to the database, and flashes up non complying numbers on a screen in the car.

Cheers

SPD

 

[AppleSei]

oh BTW it was written off because off a 3inch dent in the wing. rediculous, but i got a bargain of a car!

thats because it wasnt beneficial for insurers to get it repaired e.g. new wing and sprayjob would cost more than what you paid for it probably

 

[Pep0]

Its even sneakier than that, they have ANPR cameras.

Automated Number Plate Recognition.

The camera scans all car number plates, compares them to the database, and flashes up non complying numbers on a screen in the car.

Cheers

SPD

Hi SPD

Yes I was aware but I did not think all forces had these on all cars, there are fixed cameras on bridges as well, Road tax, ins, MoT, & driving liscence points of owner, oops you are done...

Got pulled for driving too slowly on my roadster, in fog with matrix signs on 30 MPH, I was doing 40mph, they only asked how long I had the auto, they knew that as well...

Noel

 

[anon12]

Its even sneakier than that, they have ANPR cameras.

Automated Number Plate Recognition.

The camera scans all car number plates, compares them to the database, and flashes up non complying numbers on a screen in the car.

Cheers

SPD

:yeahthat: Got pulled for the first time the other day for no insurance, luckily i noticed that the ANPR had misread the plate, because from certain angles a 6 looks like a 5 because of one of the securing pins. He re-entered plate everything fine luckily it were late and roads were deserted, don't fancy being pulled in heavy traffic with every1 slowing down for a look

EDIT: Above is a bit off-topic. Sorry. OP don't think you mentioned is it a cinq or sei (sorry if i missed where you said it)

 

[AppleSei]

EDIT: Above is a bit off-topic. Sorry. OP don't think you mentioned is it a cinq or sei (sorry if i missed where you said it)

Its a sei it is mentioned but in the form of '2000W sx'

cinqs were long gone by then

 

[poprodder]

hi,
a vic test is just to check identity, that all numbers match in with records,ie. engine,chassis etc. they don't check standard of repairs. i would get it done as peace of mind, also check that you are insured, and remember if you have to claim on this car again prepare yourself for a fight with insurers as in there eyes theres already been one payout on it already, i know someone who's got the t'shirt with that.

chris.