Do you need to tell the insurance company if a car has been a Cat D, do they HPI check it anyway to see what the the details are?
My wife's current insurance company when asked said they do not insure Cat C or D vehicles. So I guess they did need to know because if i did not tell them and they later checked it out when she needed to make claim they could then weasel their way out of paying.
I remember in the past when i imported a GT4 from Yokohama and tesco insurance were happy to take the premium but when i needed to make a claim they told me it could be stolen from Japan and that I needed to get info from Toyota UK who would need to ask Toyota Japan and the Jap police to prove it was not stolen. None of that info was required at the time of my taking out the policy though. Naturally i told them to do one and contacted the insurance ombudsman who said they were acting fraudulently and had to pay for the check themselves and yet as they took my premium would still have to pay out anyway.. they did the checks, it was not stolen and they had to pay even more due to my expense claims over the extended period, dicks.
Basically i know they will try to get out of paying if they can find a hole in the info you have provided or the vehicle. My insurance company will insure her car without any issues, i did mention it was a Cat D as well.
does anybody know the fine print on this, there must be some members that work for insurance companies on here...