Insuring a write off

[Bendy]

People

Who's insured a cat c / d write off in the past? Did the insurance company care? Did it cost you more than a non-written off vehicle?

Got a lead on a cat c car but I'm not interested if it'll cost me a packet to insure. Yes, I could phone my insurers and ask but they won't be open til tomorrow and I'm curious now.

Ta.

[G]

Don't think I've ever been asked if it's a vehicle's a write off?

[Bendy]

I'd presume it shows up when they ask the reg number?

Or am I giving insurance companies far too much credit for being thorough?

[G]

[colin1]

I have a cat D bike. It never occurred to me to inform my insurer, they never asked so i dont think they care.

cat D is just cosmetic damage, so it doesnt effect my insurance. I cant think why it would.

I think cat C is just cosmetic damage that is a bit more serious.

One thing I wd say tho, is check it actually is cheaper. I got a good price on my bike, but not as much of a bargain as I had thought as I have seen non cat D bikes go for similar to what I paid since.
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colin1 is officially faster than god

[RI_HA]

Here a little guide

CATEGORY A = Must not be resold. severely damaged and with no serviceable parts. DVLA require 'notification of destruction required'

CATEGORY B = Not to be resold, Damaged beyond economical repair 'notification of destruction required', but serviceable parts can be resold

CATEGORY C = Repairable salvage. Usually older bikes where repairs cost more than their value.

CATEGORY D = Repairable salvage, minimal damage, but the insurer doesnt want to repair it, even if its economical to do so, Often stolen/recovered machines and rare bikes, parallel imports where getting new parts is tricky.

Hope this helps out a bit.[/b]

[Hex]

Ive had a number of write offs in the past (not forgetting my old man is a body repair man) and never had any problems or loaded insurance.

Like G never been asked if it was a write off etc.

Gav
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[Bendy]

Thanks Gav, that's what I was after.

[plugger147]

When we do car hpi checks in work it shows up on there if it's been seached by an insurer so at least some companies do check them.
I wouldn't have thought they would charge you more to insure it but they won't payout full value if it was written off again.
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Tristan the wrote: just whipped off my trousers to find a big bruise on my arse, caused by matt rear ending me...

[Bendy]

Cool - that wouldn't worry me anyway as I tend to only TPO my cars, they're not worth enough to be claiming anything.