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Thread: Anyone ever tried insuring a Cat D Write off?

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    Regular Member sheepish's Avatar
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    Question Anyone ever tried insuring a Cat D Write off?

    Hi All,

    a girl turned left from the right hand lane at a roundabout in front of me on the way home from work this evening...

    Result = bumper, offside wing, offside headlight, etc, damaged, though not too badly...

    As the car's old and carrying a few miles (and scars) it looks like it'll be a un-economical repair write off. There doesn't appear to be anything I can't fix for a few pennies (subject to a closer look in daylight).

    ... so anticipating the worst, has anyone ever tried insuring a cat D write off? There's loads of life left in the car, so is it worth it or should I just let it go?
    Last edited by Deztroyer; 28th November 2010 at 14:11. Reason: removed "dumb chav" as it could have been anyone

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    Regular Member 3.2_V6_VXR's Avatar
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    The insurance quote will be as if it was not bumped, but if you have another accident thats when they take a percentage off the payout they give you because its a cat D

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    I have just gone through this with mine which was a cat C write off, I had to get a VIC (vehicle identity check) check from VOSA for £41 My insurance also required me to get a new MOT and a independent engineers report on the car (sounds expensive but got one done for £60 wel lworth it as if and hopefully not it happens again I have a much better argument when they try and give me peanuts for the car cos its a write off when I have the engineers reports stating that it was in good condition!) otherwise I had no change in premium at all and mines a taxi policy!

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    Regular Member markj23's Avatar
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    cat D's do not need VIC checks but the engineers report is worth the money just for yourself if it happens again could get you a more sensible payout

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    Regular Member rjw's Avatar
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    i previously had no problems insuring a Cat C citreon xsara i'd bought cheap, repaired, and VIC checked/ MOT'd etc. never claimed again though so dont know if creates problems when coming to claim

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    Regular Member sheepish's Avatar
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    Thanks All,

    I appreciate your advice.

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    Regular Member hagga's Avatar
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    Mine was a cat C, had vic check and insurance were happy with a fresh mot (though it was the same insuance company that wrote it off)

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