ChelseaTractor Posted March 29, 2010 Share Posted March 29, 2010 Evenin' all. If a listing on the bay says this...... "This vehicle has come direct to us from a major insurance company as an accident damaged insurance total loss, as such the vehicle may require a vic test carried out at a local vosa testing station ,this is a 20 min test to verify the vehicle identity against dvla records. The vehicle has sustained very minor damage to the drivers side front corner. There is a dent in the tip of the drivers wing and on the corner of the bonnet. We have a v5/2 log book, full book pack including service book, and 12 months mot. We can tax the vehicle at the buyers expense should it be required." What exactly does this mean? Could it ever be usable or insurable? I have no knowledge of such things. Cheers Jon Quote Link to comment Share on other sites More sharing options...
Aragorn Posted March 30, 2010 Share Posted March 30, 2010 It basically means its been "written off". Ie its been crashed, and the owner has been paid out for the vehicle, because its either uneconomical to repair, or unsafe to repair. You need to find out which category its been declared to answer your questions. If its a Category D, its just a case of MOTing it and off you go. If its Category C, you will need a VIC test to check the vehicles ID, and an MOT, then your good to go. If its Category B or A, it cant ever be put back on the road. The damage you describe really should be D or C, however some insurance companies are overzealous with their categories, especially with older vehicles, so you may find it sat on a B, which means spares only. Quote Link to comment Share on other sites More sharing options...
disco_al Posted March 30, 2010 Share Posted March 30, 2010 hmmmm, if it's been writen off, and it needs a VIC check, then it won't have an MOT on it or be taxed, as the insurance co will have taken that off. How can it have a full 12 months MOT if it's got damage? Quote Link to comment Share on other sites More sharing options...
T1G UP Posted March 30, 2010 Share Posted March 30, 2010 whats the vehicle? if it's a disco for example then the front panel,inner wing etc etc can be damaged. so it will be a cat d or c. not allowed to sell cat b or a to the public as a whole. my td5 90 was a write off, unecomical to repair. look at the pics! mot'd it, taxed it and drove it as was for a while. personally i wouldn't buy anything with structural damage, the roofs pop, door jams move and they are never right. stolen recovered/ cat d/c is all ok dependant on your level of competance to repair and your budget, and please view the thing in person before buying. ebay pics have a great way of glossing over bad panels etc Quote Link to comment Share on other sites More sharing options...
Aragorn Posted March 30, 2010 Share Posted March 30, 2010 It might suggest its a Cat D and the garage have MOT'd it already. Depends on the damage, if its just a little dent it will pass the MOT just fine. Quote Link to comment Share on other sites More sharing options...
Giles tout terrain Posted March 30, 2010 Share Posted March 30, 2010 Cat d is uneconomical Cat c is same but would need a vic check cat b is break cat a is destroy Recently seen alot of cat b's that should have been broken up, but had been repaired badly and put back on the road, insurance company knew nothing about it, one vehicle had been on the road 2 years Quote Link to comment Share on other sites More sharing options...
ChelseaTractor Posted March 30, 2010 Author Share Posted March 30, 2010 Thanks Guys. It was a Cat C so I bid and won it. '98 Disco ES V8 auto BTW. Quote Link to comment Share on other sites More sharing options...
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