Category S econonimcal write off

The Angry Welshman said:
what if the car has been inspected and the mechanic states no repair required as no structural damage exists??
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I'm no lawyer but there's also a report stating that is was, hence why it is a cat s write off. He said she said never ends up in your favour usually!

I'd 100 percent get a new MOT as that is a perfect way to prove it was at that time. Yes they can be faked but it's legit.
 
Nemiyen said:
I'm no lawyer but there's also a report stating that is was, hence why it is a cat s write off. He said she said never ends up in your favour usually!

I'd 100 percent get a new MOT as that is a perfect way to prove it was at that time. Yes they can be faked but it's legit.
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the report made by the assessor has a right to be challenged, again thats a legal right. Just because they say its a write off. It doesnt mean that it is. As yet, they have not provided me with any evidence of a report or photographs of the supposed stuctural damage they say exists, but i know it doesnt.

My garage has already agreed to a new MOT once this issue is settled with the 3rd party insurers. Also i never made a claim for insurance, they phoned me to offer to repair my vehicle as the 3rd party admitted full responsibilty for the accident. Due process needs to be followed, doesnt mean you have to roll over and get your belly tickled, just because they say so.
 
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radderfire said:
I was briefly researching this because I wanted to know what the mandatory procedure was, but I didn't get to the bottom of it.

The whole gist of that article is that you should, (but it may not be legally required). For instance, the article also says:

"To answer the question: Yes, a Category S car, which has sustained structural damage, does require a new MOT test after it has been repaired and before it can be driven again. This is to ensure that the vehicle is roadworthy and safe to operate on public roads following the structural repairs."

There was also something called the Vehicle Identity Check by the DVLA, which applied to category S cars, but ended in 2015.

www.gov.uk

[Withdrawn] The Vehicle Identity Check (VIC) scheme

A guide about the VIC scheme.
www.gov.uk www.gov.uk

So, I remain unsure what the mandatory requirements regarding vehicle inspection after a Category S write off are. I would have thought there needed to be a proper engineering inspection by some sort of government approved scheme, but I couldn't find anything.
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yeah use to use the vic scheme ages ago, what a palaver just a glorified mot test , without half the tests lol. favourite question when asked... where was the damage?? like...its for you to asses not for me to point out . absolute waste of time. i always had a new mot done and in 20 odd plus years of buying and repairing i never had a insurance turned down.
at one stage i was repairing and selling them as a side line to my garage work , always made customers aware of repairs and if catorgorised, never once had a problem, of course the car will be valued less than a none repaired vehicle ,but you buy cheap and sell low everyones a winner.
 
by the way when looking earlier on in the year for another car for daughter partner, ventured onto facebook.......what the heck looked at about 8 vehicles all were cat s or n and most had been bought direct from copart, no repair, mot and straight to sale . all needed the document to be applied for. so there are folk out there making easy money .
 
***Update****

Solus have made me an offer for the vehicle of £2088 minus salvage of £417 = £1670.

I hve rejected the offer, made a foormal complaint about the assessment, their parent company Viva has now requested more information from the assessor, they are stating there is a structural report available with 14 photgraphs, but still wont send me the report.

They have also agreed that i can cancel the claim at any point and nothing further will happen, as they need my full coperation to send them the v5 so they cn log it as a write off with the dvla. Nothing happens with the CAT S until that is done. if i relinquish my claim, i can carry on with the vehicle and no CAT S will be registered and no money will change hands.

I have been given info from aviva of how to go about getting the car back on the road and all i need to do is request a copy of the log book from the dvla with form V62 and get it MOT'd.

I will be receiving a call from Aviva sometime tuesday with a full explanation of why they see assessor sees it as a CAT S.....
 
These things do get murky.
If you send the V5 to the ins co, and they scrap the car then IMO the DVLA will deem the MOT expired.
If they sell it at auction for potential salvage then they would pass the V5 on and not return to DVLA.

So you request a reregister of the car, get it MOT'd, job done if ins co scrap it.

I suspect the inspector has decided that there is a risk of some structural repair needed if its stripped down properly.
My other half had a wack whilst parked late last year. When the quote came through it specifically said assuming no hidden structural damage is found when stripped down.
They take this stuff seriously, they can't risk saying its all good and then a structural issue they ignore causes someone to die.
A wheel arch collision probably means they suspect the wheel has been bashed so could require work there = risk of it easily exceeding a £2k repair bill.
Bear in mind most repairs will be a week minimum, so add another £300+ for a hire car on top of the actual repair.

Whats the car realistically worth? Is the £2k real or silly. If silly find some examples and show them.
The salvage of 417 sounds a lot.

I don't get why you would consider just driving it and carrying on though. Its devalued the car no matter how you look at it.

Edit to add, your ins co will probably also consider your insurance ended if the car is written off. You could probably get it frozen/deferred though.
You cannot insure a car that is not yours and for a while it wouldn't be as there would be no legally registered car matching your reg.
You probably want to specifically ask them about this if you do go ahead with it being scrapped.
 
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Mercenary Keyboard Warrior said:
These things do get murky.
If you send the V5 to the ins co, and they scrap the car then IMO the DVLA will deem the MOT expired.
If they sell it at auction for potential salvage then they would pass the V5 on and not return to DVLA.

So you request a reregister of the car, get it MOT'd, job done if ins co scrap it.

I suspect the inspector has decided that there is a risk of some structural repair needed if its stripped down properly.
My other half had a wack whilst parked late last year. When the quote came through it specifically said assuming no hidden structural damage is found when stripped down.
They take this stuff seriously, they can't risk saying its all good and then a structural issue they ignore causes someone to die.
A wheel arch collision probably means they suspect the wheel has been bashed so could require work there = risk of it easily exceeding a £2k repair bill.
Bear in mind most repairs will be a week minimum, so add another £300+ for a hire car on top of the actual repair.

Whats the car realistically worth? Is the £2k real or silly. If silly find some examples and show them.
The salvage of 417 sounds a lot.

I don't get why you would consider just driving it and carrying on though. Its devalued the car no matter how you look at it.

Edit to add, your ins co will probably also consider your insurance ended if the car is written off. You could probably get it frozen/deferred though.
You cannot insure a car that is not yours and for a while it wouldn't be as there would be no legally registered car matching your reg.
You probably want to specifically ask them about this if you do go ahead with it being scrapped.
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ive already asked my insurance and they have stated its still insured to drive and is marked down as a CAT S..... the reason i would just drive it and carry on is because ive had it inspected by my garage that has done my MOTs for the past 10yrs has deemed no structural damage to the vehicle.

As for the devalue of the car, it owes me nothing in real terms its been bought and paid for, for many years. Its only really worth something if i decide to sell it and tbh, there is no reason to sell it. The only work thats been required on it is new brake pads 5yrs ago and since then its done less than circa 5k miles as i work from home fulltime.
 
What are you hoping to do here?

If the car is ~£2k the problem is that no repair is economical. The assessor probably spent 2 minutes looking as it wasn't even worth their time.

If you can cost Aviva less than £1600, which is their current cost, make them an offer. Tell them you'll repair it for £500.
 
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muon said:
What are you hoping to do here?

If the car is ~£2k the problem is that no repair is economical. The assessor probably spent 2 minutes looking as it wasn't even worth their time.

If you can cost Aviva less than £1600, which is their current cost, make them an offer. Tell them you'll repair it for £500.
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other than fixing the dent, there is no othe repair to be done. Why would i offer to repair it and take less money??? that doesnt make sense.

What i want is the marker to be downgraded to a CAT N and then there is no hassle with dvla and mot etc etc etc.....
 
The Angry Welshman said:
other than fixing the dent, there is no othe repair to be done. Why would i offer to repair it and take less money??? that doesnt make sense.

What i want is the marker to be downgraded to a CAT N and then there is no hassle with dvla and mot etc etc etc.....
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What if they turn around and say. You are absolutely right. No repair to be done. Bye.

If you want just the dent repaired, tell them how much it costs. They will not repair the dent on a £2k car.

Otherwise it sounds like you want to have your cake and eat it. Get full value of the car and then keep it with no repair performed.
 
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muon said:
What if they turn around and say. You are absolutely right. No repair to be done. Bye.

If you want just the dent repaired, tell them how much it costs. They will not repair the dent on a £2k car.

Otherwise it sounds like you want to have your cake and eat it. Get full value of the car and then keep it with no repair performed.
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what, i never wanted reparied in the first place, i never even made the insurance the claim. They rang and offered to repair my car on behalf of their customer who damaged my car.

I just want my car, i dont care for the money and i have already told them that. The thing im annoyed with is they have done exactly what they said they wouldnt do, when they contacted me 8wks ago.... and i dont think the car has been properly assessed. maybe you missed that bit in the previous comments or you didnt even read them.

I'm not actually sure you even know what your saying yourself.....and of they did turn round round and so no repair, BYE, then im good with that.
 
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You gave the car to be assessed. You voluntarily entered this claim.

If you don't want the claim or repair the dent. Withdraw.

If you want some money, tell them you will settle for £500 to repair the dent.

This isn't that hard. No one will CAT N or S your car unless you want write-off value.

You are now going to complain about unfair assessment, wasting more of your time.
 
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muon said:
You gave the car to be assessed. You voluntarily entered this claim.

If you don't want the claim or repair the dent. Withdraw.

If you want some money, tell them you will settle for £500 to repair the dent.

This isn't that hard. No one will CAT N or S your car unless you want write-off value.

You are now going to complain about unfair assessment, wasting more of your time.
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you obviously have no clue how this works. and you have missed the part in which i have already agreed with the company to withdraw my claim. My complaibt is around the poor assessment.

THEY WILL NOT PAY OUT JUST FOR THE DENT, its that simple.
 
The Angry Welshman said:
you obviously have no clue how this works. and you have missed the part in which i have already agreed with the company to withdraw my claim. My complaibt is around the poor assessment.

THEY WILL NOT PAY OUT JUST FOR THE DENT, its that simple.
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They will definitely pay out for the dent if you showed an invoice of repair and charged it to them and it was £200 and could prove it was from the accident.

But I can't be bothered anymore. Enjoy spending another few weeks on top of the weeks you have spent on this.

I'm not even sure exactly what motivation you have here. I assume you are after a CAT N payout, otherwise why are you even doing this.
 
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muon said:
They will definitely pay out for the dent if you showed an invoice of repair and charged it to them and it was £200 and could prove it was from the accident.

But I can't be bothered anymore. Enjoy spending another few weeks on top of the weeks you have spent on this.

I'm not even sure exactly what motivation you have here. I assume you are after a CAT N payout, otherwise why are you even doing this.
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weeks.... its been 3 days lol.
 
If you win regarding the car not getting categorised you can then decide if you want to try to settle for cost of repair, but bear in mind I think they might then increase your premium, so you won't necessarily be better off.
 
radderfire said:
If you win regarding the car not getting categorised you can then decide if you want to try to settle for cost of repair, but bear in mind I think they might then increase your premium, so you won't necessarily be better off.
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a 3rd party insurer cant increase my premium..... this is not my insurance dealing with the repair, my insurance has passed all responsibility to the 3rd party that admitted fault.

There is no risk to my NCB, or excess..... i am paying nothing.
 
Not quite nothing, there's a fair chance even though it's non fault you'll be getting a premium increase for the next 5 years
 
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