The Joshua Tree

If a car has been involved in an accident where nobody else was involved, and the car as an example had £6,000 worth of damage ( Car value £40k ), their is no frame or bodywork damage, a main dealer repaired the car, the insurance company paid for the repairs, would that then be on the Cat register or do they only go on the register if a car has been written off ?

I enquired about a car a few week ago, the seller was a bit sketchy with that happened, he said it had no structural damage and its not been catagorised, would that be right if it's a basic insurance claim or does all damage however minor have to be recorded ? I've lost touch with how the CAT system works as i believe they changed it recently.

1509joe

iTrader: (2)

You couldn't keep up with regs nowadays but if the the insurance fixed it it always used to be categorised.

Smithys STI

iTrader: (1)

As far as I'm aware it would only go on the register if it was a write off and insurance payed out not if it was repaired and not written off.

The Joshua Tree

Thanks Smithy, that's how i thought it worked, i just wasn't sure as they keep tinkering with it.

Smithys STI

iTrader: (1)

hedgecutter

iTrader: (5)

I believe this is correct, as my lad's Hyundai i10 has just been head-oned by my wife, and he is 3rd party only. Its a 50/50 fault, and insurers have agreed each side takes care of their own repair. The car is worth a grand max, parts are £350 without labour or paint, and I'm doing it as the only economical way. Therefore nothing will be categorised.

1509joe

iTrader: (2)

Think you will find you are wrong if its been involved in any sort of an accident and the insurers have paid out it will have a marker of some description on it. The only way to work that is fix it yourself as above.

Smithys STI

iTrader: (1)

Just over a year ago my wife decided to drive her 3 year old Golf R Line into the back of a lorry,it was then repaired by the insurance company (was not a write off) it was then sold on HPI clear.

1509joe

iTrader: (2)

Well that doesn't add up one little bit cause I know of a couple of people who's vehicles were hit and they weren't even in them and they were nicely categorised as cat D which then was light panel damage but still categorised all the same. One of them actually went to court for damages and won because the car had been significantly devalued.

Smithys STI

iTrader: (1)

Well that's first hand factual information of what happend in my case.

ALi-B

iTrader: (1)

Typically cars repaired by the insurance company have no history attached to them by the DVLA. Thats the C, D, N or S markers. That's the only thing "public"
I have seen 50K+ cars repaired by insurance companies and are totally HPi clear (one was a new 911 Porsche that had been embedded in a lampost, of which fell on top of it...heavy structural damage, but not in excess of the car's value so insurer repaired it, no marker).

Cars where the owner has not made any claim, also don't get recorded.

Cars written off (as in the owner doesn't get the car back). Will have a marker on them regardless of damage level. Cars purchased back from the insurer will also have a marker. And so will cars sold by the insurer (typically at auctions).

The problem though, there are two official databases; DVLA and MIAFTR2 and they were not properly linked. There was a big hoo-har a couple of years back where written off cars were not being recorded on both databases. That's to say a car that should be Cat-S was totally clear on Hpi. The knee jerk reaction when it became public may have caused further clerical error causing non-write offs to be recorded when they shouldn't typically due to different insurance companies not communicating properly during a claim.