21 replies to this topic

[theolodian]

As above really, anyone know a company that will insure a self-repaired Cat C vehicle? CCI says it has to have been repaired by Vauxhall for their underwriters to cover it. Cheers.

[chrisvx220]

Admiral - also premium dropped from £1300 last year to £500 and some this year though as part of a multicar

[starlight]

I'm currently insured with Chris Knott. Interesting about CCI wanting it to be fixed by Vauxhall - imagine that

[Seb.F]

If it's standard, try admiral/bell/elephant. 22 and mine is insured with them for £550!

[christhegasman]

i am with admiral and declared my cat d they were not interested providing it has an mot etc no increase in premium also got my sons cat c fiesta again admiral ok as long as mot and vic test so worth a try cant see why any insurance company would only take a cat car if repaired by vauxhall i would have thought they would only want cars that have been repaired correctly

[theolodian]

CK says £1,500 for 3rd party fire and theft, because I have a company car and therefore no personal no claims bonus. Probably similar elsewhere. And I'm a little more than 22

[Seb.F]

Can't be right :/

[theolodian]

Can't be right :/

Reinforces my belief that repairing it over the last 3 years was cheaper than running it.

[techieboy]

As long as you've had no company car incidents as well in the last 3 years and can get a letter from the company to say that, you should be able to get 3 years NCD from any halfway decent insurer. Chris Knott not being amongst them, by the sound of it. When I got rid of my last company car, all the insurers I spoke to offered to give me 6+ years of NCD to match my company car history, when I first insured a privately owned car.

[theolodian]

As long as you've had no company car incidents as well in the last 3 years and can get a letter from the company to say that, you should be able to get 3 years NCD from any halfway decent insurer. Chris Knott not being amongst them, by the sound of it.

When I got rid of my last company car, all the insurers I spoke to offered to give me 6+ years of NCD to match my company car history, when I first insured a privately owned car.

If I was getting rid of my company car then they would accept my company car history. CK is just a reseller, these are quotes from AXA, Highway, etc.

[techieboy]

Likewise, any decent insurer will mirror NCD across to a new policy. MoreThan gave me maximum NCD on the VX to match what I had on the Audi's policy. I lost that as Heritage didn't give NCD on a classic policy, so REIS gave me a huge "introductory" discount equivalent to 3 or 4 yrs NCD when I moved to them. You need to speak to a broker who knows how to play the system properly and clearly that's not CK.

[savvy]

Do you need to declare if if car is on VCAR when getting insurance? I don't remember seeing that question when obtaining a quote?

[Phear]

Do you need to declare if if car is on VCAR when getting insurance? I don't remember seeing that question when obtaining a quote?

I have never been asked, and never provided that information despite having several previous written off cars. This sounds like rubbish to me, if you buy a CAT C/D car you probably don't even know who repaired it, and its extremely unlikely it was the manufacturer, most are repaired by accident repair places.

[slindborg]

iirc the only difference is you cant total loss a car thats already been total lossed.... eg if its written off you are fcuked

[Phear]

iirc the only difference is you cant total loss a car thats already been total lossed.... eg if its written off you are fcuked

Thats not true, because my VX has been written off twice (only once by me I hasten to add) The second time the payout took into account the fact that its was written off before and therefore the value was less. Which reminds me I never declared to them that it was written off when I took out the policy and they paid out without any questions (Adrian Flux). At the time all I had to provide was a valid MOT and the V5

[christhegasman]

really so what happens it you get punted with no fault of your own and its not repairable i was told settlement would probably be reduced by about 30% for a cat d ??????

[theolodian]

iirc the only difference is you cant total loss a car thats already been total lossed.... eg if its written off you are fcuked

I'm less worried about that side than being able to get it on the road at all.

[Phear]

really
so what happens it you get punted with no fault of your own and its not repairable
i was told settlement would probably be reduced by about 30% for a cat d ??????

If somebody hits you and the car is written off then your going to get a payout for the full value of the car, if you choose to buy it back and repair it then you do so on the understanding its going to be worth less.

I would say my settlement was 20-25% less for being a Cat D, based on market values at the time of my accident.

[Phear]

iirc the only difference is you cant total loss a car thats already been total lossed.... eg if its written off you are fcuked

I'm less worried about that side than being able to get it on the road at all.

Did they actually ask you if the car was written off? As Savvy says this isn't something insurers usually even ask and I'm sure they are duty bound to ask you anything that is going to impact your cover.

[savvy]

Isn't also NOT law to declare a car on VCAR unless a trader? So I can privately sell a car and unless asked or the buyer does a HPI, I'm not obliged to declare it's status. So it could be quite legal to sell a car on VCAR but at full market value, only to find when you crash you'll get 20% less?