In uk, what is a cat 'D' insurance claim?
I have been told that my coup¨¦ was a cat 'D' insurance claim, it was originally bought from a buyer and I believe he should have informed me of this, if it is, what can i do about it?
Answers:
There are four types of insurance write stale. If a car has be involved in an accident / larceny / fire and it cannot be repaired economically depending on how severe the damage is the insurer / inspecting engineer will assign a catagory of repair.
A and B are usually for vehicle that have been totalled and cannot be repaired.
C and D are for vehicle which are repairable but the cost of doing so is un-economical.
The vehicle can be repaired, however an insurer would rather pay the importance of the vehicle rather than have it repaired because it is cheaper to do so.
If you are sold an insurance write sour, the seller MUST legally inform you that the vehicle have been previously written off. The vehicle must also be repaired and must ratify an MOT before an insurer will insure it. You must inform your insurer that the vehicle is a previous insurance write off.
You may know how to check the vehicle under a HPI check and I would always do this until that time buying a used car.
http://www.hpicheck.com/newfrontend/
Also get your insurer to look at the MIAFTR register.
The entity here is that the dealer has to inform you of this. If they don't they are within breach of the Sale of Goods Act which says that the goods must be "fit for purpose". If a previous write sour is sold on then they must let you know.
Contact your local trading standards organization if you have problems.
Related Questions:
Answers:
There are four types of insurance write stale. If a car has be involved in an accident / larceny / fire and it cannot be repaired economically depending on how severe the damage is the insurer / inspecting engineer will assign a catagory of repair.
A and B are usually for vehicle that have been totalled and cannot be repaired.
C and D are for vehicle which are repairable but the cost of doing so is un-economical.
The vehicle can be repaired, however an insurer would rather pay the importance of the vehicle rather than have it repaired because it is cheaper to do so.
If you are sold an insurance write sour, the seller MUST legally inform you that the vehicle have been previously written off. The vehicle must also be repaired and must ratify an MOT before an insurer will insure it. You must inform your insurer that the vehicle is a previous insurance write off.
You may know how to check the vehicle under a HPI check and I would always do this until that time buying a used car.
http://www.hpicheck.com/newfrontend/
Also get your insurer to look at the MIAFTR register.
The entity here is that the dealer has to inform you of this. If they don't they are within breach of the Sale of Goods Act which says that the goods must be "fit for purpose". If a previous write sour is sold on then they must let you know.
Contact your local trading standards organization if you have problems.
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