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Cat D insurers

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So, who's got a cat car, and who are you insured with ?

Currently with Aviva, but slowly getting more expensive.

Admiral for me on the Box is not competitive.

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Try people like A-Plan and Adrian Flux. More specialist insurers who handle the edge cases better than the mainstream companies who really don't want the business.

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Or Lockton Insurance brokers who are the PCGB brokers - I'm sure they have seen a few Cat cars in the past

http://www.locktonperformance.com/

 

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Thanks, but in my experience the specialist type brokers are not very competitive, unless you have something special or highly modified etc, which I havnt.

I did try flux anyway, and they were double what I currently pay.

Think I will phone Aviva and see if I can get 10 or 20 percent off what they quoted me, which I would be happy with.

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2 hours ago, PaulQ said:

Thanks, but in my experience the specialist type brokers are not very competitive, unless you have something special or highly modified etc, which I havnt.

I found the opposite, even for my daily driver, Audi A4 V6 TDi was much cheaper with A-Plan than anywhere else by quite a margin, Box was cheaper with them too. but the Mrs old 1.3 yaris was far more expensive. I guess all places have their own desired risk levels set so one place might be good for one person but unsuitable for another.

 

Just done a quick quote for mine on Aviva and the want almost double what A-Plan wanted. Ouch....

Edited by CMA

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Yep, just a case of suck it and see. It's worse then buying double glazing.

Its a bit annoying having an insurance write off really, as there is nothing on any of the online forms that I have used that asks the question, hence my post.

 

Edited by PaulQ

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11 minutes ago, PaulQ said:

Yep, just a case of suck it and see. It's worse then buying double glazing.

Its a bit annoying having an insurance write off really, as there is nothing on any of the online forms that I have used that asks the question, hence my post.

 

If they don't ask the question, then where's the problem? Just go ahead with the cheapest quote, for a Cat D the only impact will be a reduced payout if you write it off. Insurers can no longer void claims because you haven't told them something they haven't asked.

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The above is completely untrue I'm afraid Nobbie.

If it were that simple, then I wouldn't have asked the question !

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To some people insurance is merely a legal tick box to avoid issues with the plod. To others, it's a valuable safety net for an expensive asset to protect their investment. I'm somewhere in between the 2. 

I've also never seen any online forms with an option to tell them it's a Cat car. 

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28 minutes ago, PaulQ said:

The above is completely untrue I'm afraid Nobbie.

If it were that simple, then I wouldn't have asked the question !

In what way is that not true?

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1 hour ago, Nobbie said:

Insurers can no longer void claims because you haven't told them something they haven't asked.

The above is not true.

Edited by PaulQ

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17 minutes ago, Jason986S said:

To some people insurance is merely a legal tick box to avoid issues with the plod. To others, it's a valuable safety net for an expensive asset to protect their investment. I'm somewhere in between the 2. 

Not quite sure what you mean,but I just want to be covered.

Car not worth much, but its a lot to me, and if I smash it up, wouldn't be happy with no payout.

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6 minutes ago, PaulQ said:

The above is not true.

I may have misunderstood a recent legal ruling, but it was my understanding that following recent changes to legislation, as long as you answer all questions honestly and with care then they cannot void cover because you didn't tell them something they didn't ask. It is now for the insurer to ask all relevant questions. The following link highlights the recent changes to legislation.

http://www.bbc.co.uk/news/business-13525749

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10 minutes ago, PaulQ said:

Not quite sure what you mean,but I just want to be covered.

Car not worth much, but its a lot to me, and if I smash it up, wouldn't be happy with no payout.

I'm not suggesting folk on this forum are like this, but I've known people who get the cheapest nastiest insurance, just so they "have" insurance. Regardless of if it'll pay out or not as they just hope to never need to use it.

Most on here (as per this thread) take a deeper interest in what level of cover they have and to what extent. 

Not pointing any fingers. 

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20 hours ago, PaulQ said:

So, who's got a cat car, and who are you insured with ?

Currently with Aviva, but slowly getting more expensive.

Admiral for me on the Box is not competitive.

We have no problem insuring Cat D and Cat C cars providing they have been repaired and have a valid MOT.

If you wanted us to look at a quotation for you we can do quotes via our website www.greenlightinsurance.co.uk or via our telephone system 01277 650866

 

Kind Regards
Neil

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9 minutes ago, Jason986S said:

Most on here (as per this thread) take a deeper interest in what level of cover they have and to what extent.

Good point.  While I'm quite happy to be a "premium tart" and always check my renewal quote against the comparison website quotes,  switching if there's a worthwhile saving to be made,  I pay close attention to the level of cover offered and who the underwriter (as opposed to the "branding") is.  I also look at Which to see who their current Recommended Providers are.  Over the past four or five years, I have switched a couple of times away from one provider, only to return to them a year later as a "new" customer.  I have no interest in "multicar" policies as they don't seem to save me any money and complicate the business of renewal. 

I think the insurance industry's business model, which seems to rely on the vast majority of customers not being inclined to put in the time or effort to switch, renewing automatically and therefore allowing themselves to be charged (much) higher premiums in subsequent years, is pretty cynical,  but it is what it is, so I respond accordingly.  Perhaps, now that they're required to show the prior year's premium in the renewal letters, there will be a higher level of "churn"?  We'll see...

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38 minutes ago, Nobbie said:

I may have misunderstood a recent legal ruling, but it was my understanding that following recent changes to legislation, as long as you answer all questions honestly and with care then they cannot void cover because you didn't tell them something they didn't ask. It is now for the insurer to ask all relevant questions. The following link highlights the recent changes to legislation.

http://www.bbc.co.uk/news/business-13525749

That's dated 2011 ?

If insurers won't even cover you because the car is a cat d, then they are not going to pay out in the event of a claim.

 

 

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insuring cat c/d cars is not a problem and not bottom of the barrel policies either .......

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2 hours ago, neil@greenlight said:

We have no problem insuring Cat D and Cat C cars providing they have been repaired and have a valid MOT.

If you wanted us to look at a quotation for you we can do quotes via our website www.greenlightinsurance.co.uk or via our telephone system 01277 650866

 

Kind Regards
Neil

Thanks Neil.

I will get a quote later when I get home from work.

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1 hour ago, PaulQ said:

That's dated 2011 ?

If insurers won't even cover you because the car is a cat d, then they are not going to pay out in the event of a claim.

 

 

WTF are you on about?

 

4 hours ago, PaulQ said:

Yep, just a case of suck it and see. It's worse then buying double glazing.

Its a bit annoying having an insurance write off really, as there is nothing on any of the online forms that I have used that asks the question, hence my post.

 

On the original post I replied to, you seemed to imply that you couldn't use the online forms as they didn't ask you if it was a write off. I pointed out that you could use the forms since you're not obliged to tell them it's a writeoff unless they ask since the change in the law back in 2011.

You have stated that insurers are able to void claims if you fail to tell them it's a writeoff even if they don't ask. Do you have any evidence for this as it contradicts the law introduced in 2011?

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Look mate, I asked a simple question.

If you would be happy to take out a policy knowing full well your not covered then good luck to you.

Fact is many insurers won't insure cat cars. 

Edited by PaulQ

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It's "you're" ;) 

 

Paul,

You have just been pointed towards legislation that will help you use comparison sites, and under which you WILL be covered if the question hasn't been asked.  Whether you wish to use that information or not is entirely up to you, but people often take offence when they offer free advice to assist with a problem and it is thrown back at them.

Next, I guess it will be someone else's fault that your car is on the register. :huh:

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5 minutes ago, Araf said:

Next, I guess it will be someone else's fault that your car is on the register. :huh:

No need for that.

I take offense to people giving misinformation on forums, which could cost people a lot of money, but there you go :)

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As we have the benefit of (at least) one insurance professional @neil@greenlight on here, perhaps he might be good enough to clarify, if he can:

1. Do underwriters generally insure Cat D (and Cat C) vehicles?

2. Are they regarded as somehow higher risk than their non-Cat equivalents and loaded accordingly?

3. If the answer to 2. is yes, then why?

4. What is now the legal position regarding non-disclosure, if the relevant question wasn't asked in the proposal documentation.

I've no axe to grind either way, but would be interested in an insurance professional's perspective on what appears to be a contentious subject.

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6 minutes ago, PaulQ said:

No need for that.

I take offense to people giving misinformation on forums, which could cost people a lot of money, but there you go :)

The BBC has not misinformed you.  They have reported a test case that puts the onus on the insurer to ask the question.  Since 2011 you are under no obligation to offer the information.  You were given a link to that information.  Simples. ;) 

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