Engraver Posted April 27, 2015 Posted April 27, 2015 Hi, Last year i bought a car that had been in an accident and was written off based on cost to repair. it was classed cat c, therefore just repair and mot ot get back on road. when i came to insure i was restricted on companies that would do this. does anyone have a list of companies that fit this story. cheers Quote
Engraver Posted April 27, 2015 Author Posted April 27, 2015 If the vehicle was not a repairable, my insurance with the company i was with would have bee half of what i pay.i find this another rip off situation regarding insurance providers. any comment or advice for insurers that quote reasonable rates for full no claims clean fully comp insurance? Quote
paul.h Posted April 28, 2015 Posted April 28, 2015 Welcome to the forum. I guess from your posts you have done the repairs yourself and not used an insurer recognised bodyshop. As well as the MOT, maybe you could have an inspection carried out somewhere that confirms the repairs are up to standard and the value of the car has been restored. For MOT standards you could have cosmetic damage and the car could be only worth scrap value as far as the insurer knows and maybe you are planning a future claim to get it repaired fully. Many years ago I had a car written off when somebody drove into the back of it since they had not bothered to de-ice their windscreen and could not see where they were going. The insurer paid out the value of the car less scrap value since I agreed with the insurer to keep the car and repair it myself since it only needed a tailgate, rear light, bumper and part of the rear wing. However, the insurer would only insure it for scrap value until it had an MOT test, despite providing photos to show it was repaired - if it had been repaired by a garage or bodyshop and I provided receipts it would not have been a problem. Quote
seefive Posted June 18, 2015 Posted June 18, 2015 A cat c will require a Vic check to confirm it,s not a cut and shut. Insurance shouldn't,t be a problem with this and an mot (even if under 3 yrs old) Quote
paul.h Posted June 18, 2015 Posted June 18, 2015 I wonder how the OP got on, he has not been back yet to look at the replies, makes you think sometimes it is not worth bothering. Quote
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