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Basically, there are a few registers that insurance companies/police/finance companies use/check/update etc, and that hpi look at when you do a hpi check.
they are (or where) as follows :-
vcar - vehicle condition alert register - been subject to an insurance claim/had accident damage
finance - outstanding finance on the vehicle if it shows here.
stolen - if its ever been reported stolen it will be here.
a new one whos name i cant remember - if you buy a car from a salvage yard or salvage auction and carry out repairs that pass a hpi test (price varies depending on vehicle age, takes a long time and you can't attend whilst its done) they reclassify the vehicle from the VCAR register and place it on this one to show that satisfactory repairs have been done on the vehicle.
When you pay your money to hpi a car, they check the above registers and its from these that you get your results.
Its not a bad idea, but what makes it kinda laughable is that if a car is hit and its repaired and paid for in cash and not subjected to an insurance claim it wont show on the registers.
Also up to approx 95 ish, you could repair the vehicle and if it passed the hpi test they would simply remove the car from VCAR, they realised this was kinda flawed and changed it so that it appears on the new 'satisfactory repaired' register.
One area that does intrigue me, is if you buy a car that has been subject to a total loss claim, how do you go about insuring it after its already been a total loss ? (any insurance chaps care to answer that?)
If its on the stolen recovered list thats generally viewed as not too bad as only things like wheels, locks, seats, expensive parts have been stripped.
But if its on VCAR i would have a SERIOUS inspection carried out, and i dont mean AA/RAC as the guys i have met from that were pretty clueless. I would also want to know if it has been repaired, why had they not put it through the hpi test to have it reclassified as a good repair.
Sorry to bring an old thread up fella's but instead of starting a new one about the same subject it thought i would bring this back up
Anyway ive been looking at trading my Scooby for an STI Scooby but its listed as a V-Car, does this mean its road worthy and insurable or it needs work/tests doing to it before it can go back on the road
If it is on the damage register, only buy if it is VERY VERY cheap, and you dont mind selling it for next to nothing in the future - as mentioned, dealers dont like them in part ex, and buyers tend to steer clear unless they are dirt cheap.
Imprezas aren't exactly rare, and there are plenty out there that haven't been recorded for buyers to choose from, so recorded cars are about as unappealing as you can get !
The Association of British Insurers classifies Categories of 'Write-Off' as:
Category A: Scrap only - this vehicle should have been crushed. It should never reappear on the road and there are no economically salvageable parts. It is of value only for scrap metal - e.g. a totally burnt-out vehicle.
Category B: The bodyshell should have been crushed. The vehicle should never reappear on the road, but it can be broken for spare parts plus any residual scrap metal.
Category C: Vehicle extensively damaged and insurer has decided not to repair. The vehicle should have an independent inspection before being allowed back onto the road.
Category D: Vehicle damaged and insurer has decided not to repair.
So category D is the least serious category of write-off. It is really just an economic decision; the insurer decides that giving you the value of the car will be cheaper than paying for the repair.
If the car has been properly repaired, then it is worth as much as a car that was not written off.
You need to either check the car carefully yourslef and speak to the garage that repaired it or have it inspected by a mechanic. Getting an MOT at a garage your trust is often the cheapest way to do this.
At work we had a cat d 2002 sti ,that was attcked with white gloss paint ,screwdriver style impliment and baseball bat / hammer , was totally driveable ,with 2 keys and fsh - one of the lads snapped it up (not giving you the price as it was very very cheap ) - one respray and windscreen ,few other bits and bobs totalling about £1.2k and a shed load of elbow grease its a very nice car- however only did 48k ,so will last a while anyway ,but still shows on register so you take your chances
it`s not mine so i might as well tell £3200 - even had 2 months tax and approx 4 moths mot and quater of a tank of fuel - admittedly the £1.2 k spent was trade parts and a few favors called in and i lost my finger tips cleaning it ,was a cheap quick car - even if parts /favours werent involved still could have been done for under £6.5k
'Write-off' as a slang term, has no real meaning; so seeing people argue about it is amusing. I love these threads where people copy and paste from the ABI site and 'know' all about insurance salvage, accident damage and repaired cars values...