M.I.A Posted March 31, 2013 Report Share Posted March 31, 2013 An insurance company knows straight away if it has been a previous total loss when you give them a registration number of vehicle . That's not true at all, even if this was the case they will require you to disclose it as not doing so is non disclosure and will result in any claim being hindered/rejected Quote Link to comment Share on other sites More sharing options...
andypaint Posted March 31, 2013 Report Share Posted March 31, 2013 Bought a cat D for my son 5 years ago when he was learning to drive no problem with insurance but by law we had to tell anyone that bought the car from us that it was a cat D. Only if they ask, if buyers don't ask you don't have to say. But should they ask if it was an insurance write off then you must tell them. Quote Link to comment Share on other sites More sharing options...
neil w Posted April 3, 2013 Report Share Posted April 3, 2013 It will all depend on the insurer, you must disclose it to them as if you don't and you have to claim they wont pay a penny (generally) for each car put back on the road be it a cat d or c they will reduce the market value that they would pay out in the event of a total loss by a percentage, D usually around 25% less and C 40% less again this will vary and as has been mentioned some may not pay out at all.Cars have to under go a VIC check before they can be put on the road . It is stipulated on the v5 as a total loss, when you receive it back from the dvla after a vic check has been done . Commercial vehicles are not subject to vic checks . Not sure about your percentage values here about cat c or d . but if so, it really does not matter because you should have bought a repaired car or van far behind market values . Quote Link to comment Share on other sites More sharing options...
M.I.A Posted April 4, 2013 Report Share Posted April 4, 2013 Only CAT C need to undergo VIC checks, and on a rare occasion you will find cat c's that wont require them. Commercial vehicles as you say do not require VIC checks. The values quoted are rough, but most insurers will deduct these for previous total losses, some insurers will out right refuse to cover previous total loss vehicles. As you say you will buy the vehicle for less than market value so if you declare the value to be less than the market value they will likely pay out on that (as long as its declared a previous total loss) Quote Link to comment Share on other sites More sharing options...
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