write off

[suimotooth]

my car was a cat d write in sept. i bought the car back from the insurer. my insurance is now up for renewal and i just want to insure it tpo. does the car need to have an mot certificate since the accident or a vic check done in order to insure it tpo. the original mot done before the accident is still running.

[NORMANTHEDOG]

no,to either,cat d does not require a vic test and your current mot is fine.

[suimotooth]

why then are insurance companies refusing me insurance unless i get an engineers report

[NORMANTHEDOG]

i dont know why,but if you were to visit the vosa website,it tells you exactly what i said,a cat d does not require a vic test.

[NORMANTHEDOG]

i have just looked on the vosa website and it seems the rules on write offs might have changed,if your insurance company has put a marker on the car,then it will need to be tested,check with the dvla if it has a marker on it,if it has then you will have to get it done,its only about �40. the test is really to make sure the car is the same one and has not been cut and shunt or ringed to another write off.

[NORMANTHEDOG]

i have just done some more research on it and a CAT D, DOES NOT NEED A VIC TEST.so i would get on to your insurance company and ask exactly what they are on about,are you sure its not a cat c.

[suimotooth]

its definately a cat d but they are insisting on a new mot been carried out or an engineers report to show that the car is roadworthy. some companies wont even give me a quote when i say its a cat d , and they all insist on the new mot or report.

[Dancinqueen]

I work for an insurance company and can tell you that you will need to take your car for a new MOT as the underwriters will ask you to provide this (they will have the claim details on file and assume you are insuring a written-off car). This will also give you peace of mind that the car has been repaired correctly and is safe to drive.