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Written-off cars

Discussion in 'General Cars' started by fixitflav, 14 Oct 2021.

  1. fixitflav

    fixitflav

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    A friend of mine’s car was damaged when he drove through some bitumen spraying out of a tanker at a road works. Not his fault and the council’s insurance are paying for repairs.

    The visible bits have been cleaned off, but some left on the underside. I don’t think it affects roadworthiness, but the insurance co say it’s a write-off and have offered him about £9500 if they take the car away, £6000 if he keeps it. I’m thinking of asking him to take the £6000 and I’ll buy it from him for the difference.

    But I’m concerned that there might be a law saying you cannot put a written-off car back on the road, irrespective of condition, to stop people doing up and selling unroadworthy ones. Does anybody know?

    Grateful for any advice
     
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  3. RandomGrinch

    RandomGrinch

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  4. fixitflav

    fixitflav

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    Thanks for that. The way I read it, it's in category N so should be OK.
    I'll worry about selling it later, later!
     
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  5. Avocet

    Avocet

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    I have (well, I gave it to my dad a few months back) a Cat N Freelander. A lorry with an overhanging load did some minor panel damage. The car wasn't worth the cost of the paint, never mind the panels! The lorry driver's insurers offered me £1k for the car or £750 and keep the car. I decided to keep it, spent £200 on a couple of doors and a wing off a scrapper the same colour, and "trousered" the rest! As already mentioned, there's nothing illegal about running a Cat N. The one thing I WOULD say, is that it might attract a higher insurance premium afterwards, so factor that into your calculations. A lot of it depends on how honest you're willing to be with your insurers. I had assumed, that the lorry driver's insurance company would put it on some kind of database, so I disclosed it to my insurers and they knew nothing about it! However, once I'd told them, the b&^%$s said "oh, sorry, we don't do write-offs" and cancelled my policy! That then forced me to Adrian Flux, who specialise in unusual risks. To be fair, they weren't that much more expensive than my previous insurer, but it was an additional cost that I hadn't really been anticipating - and, of course, recurring one.
     
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  6. cdbe

    cdbe

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    Take some photos and keep the paperwork for when you come to sell. A few people would be happy to take a punt on that "damage".
     
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  8. fixitflav

    fixitflav

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    Thanks, good story, something else to bear in mind.
     
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  9. fixitflav

    fixitflav

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    Good idea
     
  10. Gasguru

    Gasguru

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    AFAIR the category is listed on the MOT database for all to see..
     
  11. Avocet

    Avocet

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    I think the problem is that the system relies on the insurance company who make the payout for the write-off, updating some sort of database, as the car is legally theirs at that point. My old Landy doesn't have any kind of marker (that I've been able to find) and indeed, when I gave it to my dad, his new logbook doesn't say anything on it to that effect.
     
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