my car written off

Honest John Back Room » Motoring discussion
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Tue 29 Nov 2005 13:44
my car written off - lex_us_i
hi

my insurance company wrote my car off, it was repaired and has a new mot. When my insurance needs renewing will there be a problem insuring it and getting quotes from other companys ?

If anyone can explain cat d and how it effects insurance servicing breakdown etc

thanks.

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Tue 29 Nov 2005 14:03
my car written off - Falkirk Bairn
A car that is a write-off need not necessarily be dangerous if put back on the road.

For example Car worth £500 is bashed on 2 o/s doors and front wing panel damage (nothing structural) - if cost of new parts & labour >£500 then the car will be written off by the ins co.

You buy it from Ins Co for £200. If you then source 2 x secondhand doors and a wing - assume you separately get them fitted for £200

Assuming the car is repaired to s satifactory standard there should be no difference in servicing, repairs or insurance.

Cat D is damaged and repairable but may not be economic for an ins co to pay for new parts & garage labour to fix it.

I know of an old battered Fiat that has been written off 3 times in 18 mths - people have run up the back 2x and on the side x1. The back end is still bashed and a scrappy provided a "new door" - not quite the same colour but a door - the car still runs OK and takes the school janitor to work. At £300/400 a time it is budget motoring - he still has the car and is about £1000 to the good after paying for a 2nd hand door.
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