Has anyone ever insured a repaired Category D?

[kicklikeamule]

I was wondering what experiences anyone had who has bought a repaired Cat D and tried insuring it. Is it more difficult to insure a Category D car that has been repaired, compared to a normal car?
I mean, do some insurance companies just not offer policies for repaired Cat D cars so it will be more difficult to obtain a competitive quote. Or will the premium be higher. Do I need proof of repair or other paperwork from the seller just to get insurance?

[MrBounce]

I have worked as a commercial insurance underwriter for the past 7 years and the stance we took for Cat D vehicles was this: The vehicle must have an engineer's report to state it has been repaired correctly (there is a name/code/abbreviation for this but after a beer I can't remember what it is... ) and a copy of a current MOT test (taken after the damage has been repaired). Once this was all received the underwriters would generally be fine for it to be added to the policy.

However, in the event of any claim, the company would only pay out a MAXIMUM of 75% of the market value because the vehicle was Cat D. These criteria will doubtless vary from company to company but the basics will probably be the same 

[JC]

VIC by chance mr B

[MrBounce]

VIC by chance mr B

Yup that'd be the one  :embarassed:

[Diamond Hell]

When I found out my Polo was a Cat-C I got on the phone to my insurers immediately.  All they wanted was an MOT done since the write-off.  There also wasn't any change to the price.

Given the purchase price I wasn't too worried about any pay out, more about ensuring I was covered.