offer from insurance company

darrenwall · Post by **darrenwall** » Sat Jun 09, 2007 9:54 am

i just recieved a letter from the claims assesor regarding my car which was reversed into , the thing is i aint got a clue wot it means , i put a scan of the letters below so if anyone can explain to me wot they mean i will be very greatful . wot would happen if i decided to keep the car and do it up myself cos the car holds a lot of sentimental value ( it was my fathers car and he passed away in 2003 and it was his pride and joy

) and for that reason i would rather sell it and see someone else get use out of it rather than having it crushed or broken for spares.

Pyros6546 · Post by **Pyros6546** » Sat Jun 09, 2007 11:24 am

catagory D wright off that bits easy it means you can repair the vehicle
and put it back on the road, however because its been classed as that
you have to have it checked before you do put it back on the road
so you would need to find the nearest vosa place that checks cars.
from the looks of the letter there taking £200 off you for salvaging
the car which just means thats there charge for picking the car up
from where the accident was and taking it to the garage. so you can
claim £1185 off of the insurance and you need to get the letter signed
and sent back asap.

robconnors1977 · Post by **robconnors1977** » Sat Jun 09, 2007 11:30 am

I disagree a bit here. It is only Cat C vehicles that require a Vic check once repairs are Carried out. This car has been classified as a cat D which means no inspection is required.

It also seems that the £200 salvage value is for buying the vehicle back of the insurance company. So be carefull if you sign the bottom of the letter you will be agreeing for the insurance company to collect the car and dispose of it. If you dont sign the very bottom the car will be your to keep and repair yourself if required.

neildavies · Post by **neildavies** » Sat Jun 09, 2007 11:32 am

No expert at all, but the way I read it is you get £1385, which would be minus the car, but you get to keep the car for £200 and have £1185. I'd phone them up and check on this.

Also, I'm almost sure with category D, the car can go back on the road with no check from VOSA, that's only the case with a Cat C

You coming tomorrow Darren? We can take pics of the good side!

Pyros6546 · Post by **Pyros6546** » Sat Jun 09, 2007 11:35 am

sorry guys but i know this for a fact have a friend that had
a cat D wright off and he had to take it for a vehicle check before
he could put it back on the road, plus if he decides to sell
the car after its done and anyone checks they will find out its
been wrote off but will also find out its been checked by VOSA
and bee declared as they put it safe to be on the road

VOSA
VIC
Leaflet
taken from the leaflet just in case the links don't work.
The Vehicle Identity Check (VIC)
was introduced on 7th April 2003 and makes car 'ringing' more
difficult.
From this date damaged cars must be notified to the Driver and
Vehicle Licensing Agency (DVLA) if the cost of repair exceeds the
pre-accident value. Usually this takes place when an Insurer
decides to 'write off' a car, following an engineer's assessment of
the damage. These cars are given a VIC marker, which is a note
added to the DVLA computer record and as long as it remains on
the record, DVLA will not issue a replacement Registration
Certificate (V5C, commonly known as a log book) or Vehicle
Licence reminder (V11) for the car. The VIC marker will be
removed when the car passes a VIC. This means that its identity
has been confirmed by the Vehicle and Operator Services Agency
(VOSA). DVLA will then be able to issue a replacement V5C.

neildavies · Post by **neildavies** » Sat Jun 09, 2007 12:44 pm

Sorry to disagree, but in this website Department For Transport, it states:

11.3 The VIC scheme did not incorporate category D salvage when launched as it was believed that these vehicles were at a low risk of ringing. This was because they would have relatively minor damage and could be easily repaired and returned to the road. As such, the value of this type of salvage would generally be greater than that of category A, B or C salvage thereby providing less of a profit margin and less incentive for a criminal to ring it.

And also on the DVTA website (Click Here) in the FAQ, question 3 is "Do written off vehicles 'category D' require a VIC? ", and the answer is simply "No"

Maybe think your mate might have been conned into one for the garage to make a few bob. I agree though that any HPi check will show the write off but on a car of this sort of age and value, not many buyers will do a HPi check or be bothered about it anyway.

Post by **DaiRees** » Sat Jun 09, 2007 3:20 pm

Think I've just worked out why the bitch down the street insisted on going through the insurance when she reversed into Mrs Dai!

neildavies · Post by **neildavies** » Sat Jun 09, 2007 4:08 pm

DaiRees wrote:Think I've just worked out why the bitch down the street insisted on going through the insurance when she reversed into Mrs Dai!

You can't surely be suggesting that she was anchoring getting a grand for her £500 astra?

Still no excuse for not admitting liability, bitch as you say.

Post by **DaiRees** » Sat Jun 09, 2007 7:57 pm

No, I'm suggesting that she got about £800 for the astra, then had her son who's a mechanic to knock out, fill and spray it for the cost of the material, prolly no more than £50.

The "we'll have to go through the insurance 'cos ours is a write off, all the floor in the boot is buckled" suddenly makes perfect sense

. They made a packet, cost us a packet. I'm not fekking happy. Wankers!

pug406gtx · Post by **pug406gtx** » Sun Jun 10, 2007 2:30 pm

I'm in the middle of getting my Subaru back on the road after a bump and the insurance classed it beyond economical repair, Cat C write off need to goto VOSA for a VIC cost £38 insurance let me keep the car and offered £1500 so all in Value of car £2000 minus excess £250 minus salvage value for keeping the car £250.

Got everything I need for the car off the web
Bumper, wing, bonnet headlights all for £430 now just need to get it painted woohoo will get pics up when it is done

darrenwall · Post by **darrenwall** » Thu Jun 21, 2007 6:33 pm

update .... phoned them last week and they explained to me that they were offering me £1185 and i get to keep the car or they would pay £1385 and come and scrap the car

guess wich option i took

i think it was a fair valuation considering its got 207,000 miles on her , i was thinking of selling privately and asking a grand for it so im very happy now . i recieved the cheque for £1185 on monday and now its going on a deposit for a house

. they havnt asked me for my log book tho , so would it show up on the dvla computers as a cat D write off

?

mjb · Post by **mjb** » Thu Jun 21, 2007 8:57 pm

Pretty sure it will do. If you want to fix it up before selling, make sure you take lots of photos of the damage and keep detailed records of the repair work to reassure buyers that it's not 2 cars welded together or something equally dangerous...