davegtt

My friend had his car stolen last night, 4 lads in balaclarvas and baseball bats walked into his house and demanded his car keys and phone etc Having his couple of month daughter on his lap he did as requested (good move, daughter or not being there IMO) and let them get away with it. The car had a tracker and was recovered shortly after undamaged.

Now the ******* took his car keys and left the car locked so naturally locks are going to be changed but hes going to pay for it himself and not through insurance.

Will the car go on the HPI register as being Stolen and Recovered? Or will it go unregistered because it didnt go through insurance?

Dave

2000 sport

iTrader: (1)

reading this it would appear that they get the info from the Police aswell as the insurance company, so it may go on as a stolen / recovered..

Together, HPI and NMR represent the UK's largest vehicle information source, combining and interpreting data from government agencies, industry bodies, private organisations, the police and the general public. Registering with HPI helps companies to protect their financial interests in motor vehicles and a wide range of other mobile assets. HPI Checks give purchasers instant confirmation of whether vehicles are correctly described, known to be subject to outstanding finance or serious accident damage, or recorded as stolen or "clocked".

davegtt

Thanks. If anyone knows anymore it'd be greatly appriciated

Snazy

It would take insurance intervention to have anything put on the register, and financial intervention at that.

AFAIK

Simon 69

If the owner retains the car then the insurers cant/wont record it in any way.

Snazy

Even if they have to pay for all the locks to be replaced, immobiliser sorted etc ?

davegtt

ok, as far as I know the police found it, garage has towed it away, locks are going to be changed, he pays out of his pocket and gets it back. Simple. So it wont be recorded then?

That should put his mind at rest

Feel free for someone to correct me though if this is wrong

Simon 69

No Michael, because that would affect the value of the car still owned by Dave's friend. If your car is damaged in an accident and properly repaired by your insurers, you wouldnt expect it to be recorded on the CA register as a CatD would you?

Snazy

Errm I think your crossing a few wires there mate.

If the insurers are requested to make a payment on a car they have the right to record it. HPi does not only cover write off's it covers many things, so whats a Cat D got to do with this?

If you car is damaged in a crash and the insurers are requested to make the repairs, its THEIR choice to repair or write off, not yours. So what you expect and what you get are nothing to do with each other.
The quality of the repair has naff all to do with the Cat status, thats PRE repair. So if the insurers agreed to repair it, and did so, it would not be a Cat D write off now would it, it would be a crash repaired vehicle.

With regards to the stolen recovered car in question. The insurers could not care less about the future value of the car, their interest is recording its history accuratly.

Simon 69

If they repair a car and the owner retains it then it will not be recorded with HPI in any way.

Simon

Snazy

Yup, so what was that about the Cat D then lol
Thats my point.

Avi

It's only recorded if they pay you out as a total loss, if they repair it or you choose not to use your insurers it's not recorded. I've been through a very similar thing.. including balaclavas and baseball bats!

Snazy

Getting all a bit too frequent these days, that sort of thing.
Not isolated I know, but a whole lot seems to go on round Manchester, Liverpool, Brum etc .

Whats the insurance like up there with that in mind?

davegtt

Funnily enough this was in Heyside too.

Simon 69

It was an example: the principle is the same, you see? If your car was repaired you wouldnt expect it to be recorded with HPI would you? Insurance companies only record their losses here.

It is possible that any Police officers involved may have submitted a V23 (whichll bring about a lot of Police interest down the line), but in my experience they only do this where 'likely' cars a damaged in accidents. It is possible for a car to have a V23 marker when the insurers havent V23d it; this wont affect HPI though.

Simon

Simon 69

The lengths that you have to go to now, to get a decent insurance pay out!

Snazy

Fair play mate, see your point