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Thread: Cat C and MOT validity

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    Default Cat C and MOT validity

    The signum has been involved in a rear end shunt, and the insurance company have declared it a total loss, Cat C

    the price they are going to pay out is totally cack in comparison to whats on the market at the minute. it was immaculate with 42k on the clock, and they are offering £4150 max..

    so i bought it back from then for the nice sum of £332. the back end is caved in, obviously requiring a new tailgate bumper and possibly light clusters too, but the back panel with the boot lock has also been pushed back meaning it needs a new back panel.

    anyway, to the point. is my MOT still valid, even though its been written off now? I still have the Log book and the car is structurally sound as far as i can tell, so christ knows why its gone in as a cat C..

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    Regular Member alcutler's Avatar
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    Not sure about the about the MOT issue I would have thought that if the current one is still in force it would still be valid - I suppose the question is would it pass an MOT in the condition it is now as depending on the condition it could be classed as being in an unroadworthy condition.
    I had an Astra estate written off for very minor front bumper damage and bought that back off the insurance company - the problem I had was that the insurance company said that because they had paid out, the insurance cover had ended even though it was only two months since I had taken it out. The claim was settled through a third parties insurance who had admitted fault but my insurance refused to continue cover. I had a right ding dong with them that lasted nearly 2 years before it was sorted and eventually got refunded for the remainder of the cover. ( I repaired the Astra myself with a bumper from a scrap yard and some paint for £75 total - their estimate had been over £500)

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    Regular Member Critch's Avatar
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    Needs new MOT if it's been written off.

    If its cat c you need to check that no vic marker has been placed on it.

    If it has it will need MOT an vic check you then re apply for new log book which will state it was a total loss.

    If I where you is have a specialist in to do checks a cat c is usually major damage the cost of repairs costing more than the cara value.

    Have you had rear end stripped an checked boot floor etc?

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    Ex RO - East Region soulman's Avatar
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    probably would have a vic marker with that damage ...so before you can go on the road both of those will need passing.

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    Hi, if your just keeping it for yourself you don't need to worry about Vic check, this would only apply if selling even then you can sell with out having it done. It's only a identity check, and as far as I'm aware the mot is still valid Andy

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    Regular Member hoochydady's Avatar
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    if its a cat c im sure the mot is void it will need to get re moted and if the dvla say it needs a vic it will need to get done do you still have the reg doc if so you may get away with out a vic for so long but the dvla may send you out a vic check notice letter and pull the car in when its next due to get taxed

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    Still got the v5, and its taxed until the end of the year. I know it'll need a Vic check, its not concerning me, its £40 or less and is an I'd check, not damage. There aren't any sharp edges mostly panel damage and the boot shuts and locks securely. Chassis rails not bent, but the rear inner panel is, which is where j think the cat c came from. Boot floor not rippled either. Might get it back, and bang it in for an mot straight away, see if it passes, then deal with the Vic check. Another question, if I've had the car back, os my insurance still covering it?

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    Regular Member Handyandy-UK's Avatar
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    Will your insurance still cover it? .... well technically you have declared the 'modified' rear end


    Or, sensible answer.... the MID will have it listed as written off, so if you have a valid MoT cert AFTER the date of writeoff, there should be no question as to it having been declared roadworthy again (ie repaired). The only point then would be if the policy that paid out on it was terminated due to writeoff, you would need a new policy... all depends on the policy wording for that policy.

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    Contacted them.earlier. apparently I'm covered third party until an mot and engineers report is submitted. After that I'm fully comp. Oh, and they gave me a 3 week window in which to do so, but I still don't have the car back, not getting it back for another week at least, so I'm ****ed there I think...

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    Quote Originally Posted by lh_4827 View Post
    I still have the Log book and the car is structurally sound as far as i can tell, so christ knows why its gone in as a cat C..
    It's been put as a Cat C because it couldn't be put as a Cat D; D is mainly for cars missing (stolen) when they're declared a total loss.

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