Write-off Categories

[Pillock]

Have we had this yet? Just seen that the Association of British Mutual Back-Scratchers and Legalised Cartels, sorry I mean the Association of British Insurers has decided to change the way they classify write-offs from October.

 

Cat A and B remain the same - Crush and Break for Parts are the way they're describing them.

C and D are gone, instead there's N and S for Non-Structural and Structural Damage, both repairable. 

 

Apparently it was "confusing" and this makes it less so. They're not really being clear on how someone is qualified to decide whether something is structural or not, in these days when cars don't tend to have a ladder chassis any more. And in any case, they seem to spend about 45 seconds inspecting the average car anyway.

 

http://www.autoexpress.co.uk/car-news/consumer-news/99750/cat-a-b-s-and-n-cars-new-insurance-write-off-categories-from-october

 

 

 

  Quote

Complex repairs have made it harder for insurers and body shops to determine how to safely fix cars and the new classes will place greater emphasis on the condition of the vehicle rather than repair costs, so that vehicles which should be scrapped won't be sent back on to the road.

 

There's Auto Express, greasing the wheels of industry by maintaining their stance that damaged cars are deathtraps and what you need is a nice shiny new one. 

 

 

[Bobthebeard]

Well, my MG ZT is cat C. So N sounds a bit better.

[PiperCub]

It's got a small dent in the wing - OMGDeathTrapBunnyRabbitKiller Alert - scrap it now or you are a menace to society (like those awful Johnnies on that Autoshite forum) and buy a nice new car from one of the organisations with a direct vested interest that supports this gravy train.

 

 

No wait, edit that out - replace with:

 

 

It's for the benefit of the planet (insert environmental message cut&pasted from the web) and for safety (insert H&S message, protecting kids and kittens etc of your choice).

 

 

That's better. 

[Tamworthbay]

It makes a lot more sense, but as you say - who will make the decision? That may be where the issue is, but no different to c and d I suppose

[nigel bickle]

Just jobs for the boys, frankly.

 

More pointlessly added bureaucracy, at a higher fee.

[Dave_Q]

It's not like there is any real distinction between C and D now other than how much coin they can claim back from selling the salvage.

 

I expect the difference between N and S to be the same.

[0ldCh0d]

Is it still recorded on the logbook as

"3. Special Notes

SUBSTANTIALLY REPAIRED AND/OR ACCIDENT DAMAGED"? 

 

Many years ago no, my Dad & Me Used to buy quite a lot of stolen/recovered salvage vehicles (Mk2 Astras, Novas, MK3 Cavaliers) from the local salvage auction in Bathgate (Now a Tesco superstore).

 

Once bought, the cars were transported back to my Dads, & We then hit the scrap yards, one full set of locks & Key/s acquired, We then fitted them ourselves, which was very easy to do back then.

In fact, I could probably still change a cavalier mk3 complete steering column & or ignition barrel, It was very easy.

 

Then got the car's M.O.T'd & put them for sale in the Auto Trader (Magazine, remember that?..lol). This was in the good old days before this V.I.C check thing they introduced.

That was when the ex stolen/recovered salvage buying stopped for My Dad & Me. Now I tend to avoid buying any car recorded on the V-CAR register.

 

Also, I have no idea why my paragraphs are highlighted?????

[Kiltox]

VIC has gone again

[PiperCub]

The VIC - what a total waste of time and money (our money) that was - good riddance to it's demise last year.

[Pillock]

Yeah, there's sod all difference but I bet one of the reasons for insurance being more expensive next year is the "changes they've had to make".

 

I once bought a stolen/recovered Astra and remember it being a right pig to change the steering column! I also remember getting ripped off with a lock set by some chump on Migweb who took my money and went quiet so I spent ages signing his name and address up to incontinence pad samples, loan and credit card enquiries etc. I then found that a complete set from a Vauxhall dealer (in 2007-ish, for a car that went out of production in 1992) was about £27

[Eddie Honda]

Ok, just had a quick look: https://www.abi.org.uk/news/news-articles/2017/06/salvage-code-updated/

 

New Code of Practice: https://www.abi.org.uk/globalassets/files/publications/public/motor/2017/06/salvage-cop-v9-june-2017.pdf

 

 

  Quote

9.4 Historic/ Classic Vehicles

It is recognised that some historic/ classic vehicles or vehicles of special interest may be repaired irrespective of extent of damage, providing it is safe to do so. In these cases the vehicle will fall outside the Code of Practice, which will not apply.

Yeah, if something happens to one of my oldies, they can FRO trying to classify it.

[matty879]

  On 22/06/2017 at 17:04, Kiltox said:

VIC has gone again

the way around the old vic was to export the vehicle to somewhere like poland,fix it cheaply,then import it and re register it,ooh clean sheet all of a sudden,was great for motors of value,or imprezzas/evos that could be an import anyway.

not that i have any knowlage of this.