Author Topic: insuring a write off?  (Read 2842 times)

Offline clancy

  • I live here
  • *****
  • Posts: 505
insuring a write off?
« on: 17 April 2014, 22:10 »
Looking at a mk3 gti, previous cat c write off. All been repaired and on the road a fair while so no issues with that.

Question is insuring it, is it going to cost much more than usual? Am I right in thinking I have to inform the insurance company? 

Also As far as I can see the comparison sights don't ask, so is it a case of phoning everyone one at a time to get quotes ?

If anyone with experience can help I would much appreciate it :) sorry if these are stupid questions just haven't dealt with a write off before

Cheers
MK3 GTI 16v

Offline falconmick

  • GTI forum regular
  • ***
  • Posts: 249
  • Golf MK7 R
Re: insuring a write off?
« Reply #1 on: 17 April 2014, 22:13 »
How do you know it has been repaired properly? I wouldn't trust my life and that of family and friends in a car that has been badly damaged and repaired?

Offline clancy

  • I live here
  • *****
  • Posts: 505
Re: insuring a write off?
« Reply #2 on: 17 April 2014, 22:22 »
It was written off due to the rear bumper and boot damage.  It will be getting a seriously good inspection before I'd buy it to check everything is ok anyway, cars get written off all the time and still used, especially when the book value is about £400
MK3 GTI 16v

Offline falconmick

  • GTI forum regular
  • ***
  • Posts: 249
  • Golf MK7 R
Re: insuring a write off?
« Reply #3 on: 17 April 2014, 22:45 »
Good luck :smiley:

Offline Greenlight-Insurance

  • Forum Supporter
  • Not said much yet
  • *****
  • Posts: 94
Re: insuring a write off?
« Reply #4 on: 21 April 2014, 12:49 »
Generally insurance is not an issue for a Cat C or D write off.

You do have to declare it to insurance companies but most take the view that as long as it has a valid MOT since being a write then this is ok.

For example, with Greenlight, you will declare it is a previous Cat C (if you did not know that it had previously been a write off, our system will let us know when we enter the reg) then we will give you a quote, which will be the same as it would be if it was not a write off. Sorted.

In the event of an accident, you would get a partial value back for your vehicle so basically you would get a percentage deducted as it has previously been a write off.

Hope this helps and good luck with the quotes, you are welcome to pm me your details to give you a call?

Dan @ Greenlight
Greenlight Insurance  Specialist Broker offering discount to Forum Members. Call 01277 650866 for a quote or visit www.greenlightinsurance.co.uk (modified Classic and limited mileage policies available at big discounts)