Category C problem
in [Car Maintenance]
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From: David Taylor on 16 Feb 2007 12:31 On 2007-02-16, shazzbat <shazzbat(a)spamlessness.fsnet.co.uk> wrote: > "David Taylor" <davidt-news(a)yadt.co.uk> wrote in message > news:slrnetbk4p.2mbv.davidt-news(a)outcold.yadt.co.uk... >> On 2007-02-16, Soggy matches <wont(a)light.com> wrote: >>> Phaeton wrote: >>> >>>> I am intrigued as to why you cannot tell your insurance company & why it >>>> was not declared on their MIAFTA database (think that is the acronym). >>>> The other answer which I have experienced is where the actual vehicle >>>> was not written off by the insurance company but DVLA had it written >>>> off. That was a key input error, my registration was R86 *** & the >>>> vehicle that should have been written off was R88 *** it took an amazing >>>> long time to get it sorted. >>> >>> Thanks that is the other idea that I am looking at that it is a DVLA >>> error. I'll try the MIAFTA database. >>> >>> I can't tell my insurers as they will almost certainly want it in >>> writing that it has been repaired and by whom. >> >> You have to tell your insurers or you probably won't be insured... >> > > If you bought it last year, and insured it, it's the insurance Co's problem, > they have a database of such things, they should have checked. Except for the contract between "Soggy matches" and his insurance company. It most probably does not specify that the insurance company must check the status of the car on any database prior to issuing a certificate. It certainly DOES specify that failure to disclose any material facts about the driver or car will result in any insurance policy being null and void (to the extent permitted by law, i.e., they may be forced to pay out for 3rd party claims, then recover their costs from the "insured" by suing them). > If they ask you for an engineers report, tell them that they can have their > engineer inspect it, but you're not paying for the inspection as it would be > cheaper to change your insurance. Then the insurance company may well decide it is cheaper for them to lose his business, than to pay for the report themselves, or indeed insure the car without a report. -- David Taylor
From: shazzbat on 16 Feb 2007 15:12 "David Taylor" <davidt-news(a)yadt.co.uk> wrote in message news:slrnetbqjd.2p2e.davidt-news(a)outcold.yadt.co.uk... > On 2007-02-16, shazzbat <shazzbat(a)spamlessness.fsnet.co.uk> wrote: >> "David Taylor" <davidt-news(a)yadt.co.uk> wrote in message >> news:slrnetbk4p.2mbv.davidt-news(a)outcold.yadt.co.uk... >>> On 2007-02-16, Soggy matches <wont(a)light.com> wrote: >>>> Phaeton wrote: >>>> >>>>> I am intrigued as to why you cannot tell your insurance company & why >>>>> it >>>>> was not declared on their MIAFTA database (think that is the acronym). >>>>> The other answer which I have experienced is where the actual vehicle >>>>> was not written off by the insurance company but DVLA had it written >>>>> off. That was a key input error, my registration was R86 *** & the >>>>> vehicle that should have been written off was R88 *** it took an >>>>> amazing >>>>> long time to get it sorted. >>>> >>>> Thanks that is the other idea that I am looking at that it is a DVLA >>>> error. I'll try the MIAFTA database. >>>> >>>> I can't tell my insurers as they will almost certainly want it in >>>> writing that it has been repaired and by whom. >>> >>> You have to tell your insurers or you probably won't be insured... >>> >> >> If you bought it last year, and insured it, it's the insurance Co's >> problem, >> they have a database of such things, they should have checked. > > Except for the contract between "Soggy matches" and his insurance > company. It most probably does not specify that the insurance company > must check the status of the car on any database prior to issuing > a certificate. It certainly DOES specify that failure to disclose > any material facts about the driver or car will result in any > insurance policy being null and void (to the extent permitted by law, > i.e., they may be forced to pay out for 3rd party claims, then > recover their costs from the "insured" by suing them). > >> If they ask you for an engineers report, tell them that they can have >> their >> engineer inspect it, but you're not paying for the inspection as it would >> be >> cheaper to change your insurance. AIUI the phrase "was gutted to recently learn that it is cat' C." means that when he insured the car he acted in good faith. Maybe he should disclose it now, but if the boot was on the other foot, and he'd disclosed it as Cat C, and the Co. later discovered that it was a mistake, would they tell him? I don't think so. Steve
From: Chris Bartram on 18 Feb 2007 14:20 Conor wrote: > In article <er4eda$bu9$1(a)aioe.org>, Soggy matches says... > >> I have been under the car again today and can find no trace of repair so >> this is very puzzling. >> > Not really. A good repair is an unseen one. > > I had an A3 repaired a while ago, and the bodyshop were excellent (unusual IME). The only sign was the vehicle data sticker (the one that shows engine codes and fitted options) was missing from the boot.
From: David Taylor on 19 Feb 2007 06:12
On 2007-02-16, shazzbat <shazzbat(a)spamlessness.fsnet.co.uk> wrote: > > "David Taylor" <davidt-news(a)yadt.co.uk> wrote in message > news:slrnetbqjd.2p2e.davidt-news(a)outcold.yadt.co.uk... >> On 2007-02-16, shazzbat <shazzbat(a)spamlessness.fsnet.co.uk> wrote: >>> "David Taylor" <davidt-news(a)yadt.co.uk> wrote in message >>> news:slrnetbk4p.2mbv.davidt-news(a)outcold.yadt.co.uk... >>>> On 2007-02-16, Soggy matches <wont(a)light.com> wrote: >>>>> Phaeton wrote: >>>>> >>>>>> I am intrigued as to why you cannot tell your insurance company & why >>>>>> it >>>>>> was not declared on their MIAFTA database (think that is the acronym). >>>>>> The other answer which I have experienced is where the actual vehicle >>>>>> was not written off by the insurance company but DVLA had it written >>>>>> off. That was a key input error, my registration was R86 *** & the >>>>>> vehicle that should have been written off was R88 *** it took an >>>>>> amazing >>>>>> long time to get it sorted. >>>>> >>>>> Thanks that is the other idea that I am looking at that it is a DVLA >>>>> error. I'll try the MIAFTA database. >>>>> >>>>> I can't tell my insurers as they will almost certainly want it in >>>>> writing that it has been repaired and by whom. >>>> >>>> You have to tell your insurers or you probably won't be insured... >>>> >>> >>> If you bought it last year, and insured it, it's the insurance Co's >>> problem, >>> they have a database of such things, they should have checked. >> >> Except for the contract between "Soggy matches" and his insurance >> company. It most probably does not specify that the insurance company >> must check the status of the car on any database prior to issuing >> a certificate. It certainly DOES specify that failure to disclose >> any material facts about the driver or car will result in any >> insurance policy being null and void (to the extent permitted by law, >> i.e., they may be forced to pay out for 3rd party claims, then >> recover their costs from the "insured" by suing them). >> >>> If they ask you for an engineers report, tell them that they can have >>> their >>> engineer inspect it, but you're not paying for the inspection as it would >>> be >>> cheaper to change your insurance. > > AIUI the phrase > "was gutted to recently learn that it is cat' C." means that when he insured > the car he acted in good faith. > > Maybe he should disclose it now, but if the boot was on the other foot, and > he'd disclosed it as Cat C, and the Co. later discovered that it was a > mistake, would they tell him? I don't think so. You could well be right -- they might not tell him. It doesn't change the fact that if HE doesn't tell THEM something that THEY can show he knew, they can refuse to pay out (or attempt to recover their costs). -- David Taylor |