Dave Naxton
Site Admin
Joined: 20 Jan 2007
Posts: 606
Location: Harrogate, North Yorkshire
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 Posted: Fri Sep 18, 2009 7:40 pm Post subject: Insurance Write-off Categories |
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There are 6 categories of cars that can be found
Cat A - Disposal. These vehicles are assign for crushing and cannot be used for repair or parts.You should never come across these cars.
Cat B - Breaker. Parts may be salvaged and can only be sold to registered vehicle dismantlers.These cars cannot be used on the public highway again
Cat C - Repairable. These cars normally require repair close to or greater than the value of the vehicle. Following repair the vehicle will need to be given a V.I.C. inspection to confirm it's identity.
Cat D - Repairable. These vehicles are viable repairs and should be repaired. Most lightly damaged cars would be in this category. Once repaired no further checks are require before putting the car back on the road. If over 3 years old, an MOT is all that's required.
Cat X - Stolen recovered - minimal damage. Cars that have been recovered after theft often don't have any damage of have very minor damage. Because of this they are not written off int he same way and do not normally show up in an HPI car history check.
Unrecorded - These vehicles have been written off and been paid out on by an insurance company but for some reason have never actually been recorded as such and are therefor HPI clear. However, it is possible that these cars may at some point in the future be recorded, sometimes months later.
What is a V.I.C?
The Vehicle Identity Check (VIC) has been introduced to help reduce vehicle crime. The VIC check is intended to deter criminals from disguising stolen cars with the identity of written off or scrapped vehicles.
When an insurance company writes off a car, the registration document (V5 logbook) is surrendered to them and destroyed. The insurance company will then notify the Driver and Vehicle Licensing Agency (DVLA) that the vehicle has been written off. This notification will set a ‘VIC marker’ on the vehicle record on the DVLA database. If the vehicle is subsequently repaired with the intention of returning it to the road, the DVLA will not issue a new registration document or vehicle excise duty licence until the car passes a vehicle identity check (VIC). The VIC is designed to help confirm that the vehicle being returned to the road has been repaired following accident damage and has not been stolen.
The Vehicle and Operator Services Agency (VOSA) will carry out the VIC. This will involve comparing the vehicle presented to VOSA against the information held by DVLA, such as the vehicle identification number, make, model, colour and engine number. The VIC will also compare the record of previous accident damage with evidence of damage repair as well as checking other components to confirm the age and identity of the vehicle.
How much does it cost?
Currently the VIC check cost £38
Where can I get a VIC?
VIC checks can only be done by VOSA and are totaly seperate to your MOT test.
This information was supplied by
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