I've recently had my car written off. very minor damage but as it is a J reg Micra, i'm not exactly surprised. however, the insurance company has said that i can keep hold of the car, but my insurance has been cancelled.
the repairs are very minor, but i have not received any details of what actually needs repairing. it still drives fine but the MOT is coming up and so is the tax.
i just need a bit of advice about where to go from here. what steps do i need to take to get it re insured?
thanks
x*x*x
glitter28 Tue 25/03/08 17:29
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it depends on which catogory they have written it off under,i presume they have paid you out a sum of money and let you keep the car,if its a cat D,then you dont have to do anything,just mot,tax and re insure it and off you go,if its a cat C,get it repaired,then it will need a VIC VOSA CHECK,about 40 pounds,after that just do as normal,mot,tax and re insure it and off you go.if its a cat A OR B,THEN SCRAP IT.
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Given the age of the vehicle, realistically, a repair cost of under £200 would deem it a total loss if it came to me.
We see a lot of cars this age written off due to a cracked bumper or simply paint being scratched in a vandal attack - both of these scenarios are very minor, but given the age/market value of the vehicle, they necessitate writing the vehicle off in line with the guidelines we have to follow.
Norman has summed it up pretty simply - so long as the car is a Category C or D (as I suspect it to be), then there will be no issue re-insuring it - just remember that if you are unfortunate to have to make another claim, then your settlement will be reduced to reflect the vehicle history.
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Question Author
Thanks for the advice
The insurance company hasn't actually told me which catergory it is, but like you said a cracked bumper is enough to write it off!!!
I'll be giving them a call later.
Thanks again for the help
x*x*x*x
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