Prime example insurance companies bending the rules

dickygrace

dickygrace

www.richardgracecars.co.uk
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7,602
It’s an absolute racket on a huge scale. Insurance companies and Copart benefitting at the expense of the great British public. The knock on effect to car thefts is massive too.
A few examples below that were sold as non cat cars recently. 692816928269283
 
2b1ask1

2b1ask1

Special case
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20,748
Blimey; I can see at least three reasons why the Porker should be a Cat S. So who is colluding in this? The assessor clearly has to be qualified, are they not independent? If they are independent their PI insurance must be good!
 
Vampyrebat

Vampyrebat

Member
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3,200
This is disgusting!.............Going off on a bit of a tangent. This new-ish law that says cars of a certain age (1970 and older I think) are now MOT exempt!! What's that all about?? Surely these are the cars that are most likely to fail an MOT??
 
lozcb

lozcb

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12,793
The availabilty list gives a pretty good indication of the % share of the market different car manufacturers have over a period of roughly 10-15 years ,


Make
 
Wack61

Wack61

Member
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8,866
A lot of people that have imported american cars have found out later they've been wrapped round a tree but when registered in the UK they're HPI clear

One guy thought his car didn't drive right after driving somebody elses, found some really bad repairs then salvage yard pictures in the US , it was bad
He ended up taking the finance co to the ombudsman , they agreed with him , finance co appealed , took them months to come to a final decision ,eventually they sided with the finance co and he lost.

I said at the time this could end up being a test case , if the finance co are liable for every imported car it could be millions
 
midlifecrisis

midlifecrisis

Mancunian
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16,981
Vampyrebat said:
This is disgusting!.............Going off on a bit of a tangent. This new-ish law that says cars of a certain age (1970 and older I think) are now MOT exempt!! What's that all about?? Surely these are the cars that are most likely to fail an MOT??
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The classic car clubs have been arguing for this on the basis that they only do 'a few miles' and why do they have to have annual MOT when most of the time their cars are on garages. So get a 1979 Ford Fiesta and use it as your daily driver. MOT and Road Tax Exempt. Classic insurance too.

https://www.classiccarauctions.co.uk/ford-fiesta-1300s

https://www.gov.uk/historic-vehicles
 
lozcb

lozcb

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12,793
Wack61 said:
A lot of people that have imported american cars have found out later they've been wrapped round a tree but when registered in the UK they're HPI clear

One guy thought his car didn't drive right after driving somebody elses, found some really bad repairs then salvage yard pictures in the US , it was bad
He ended up taking the finance co to the ombudsman , they agreed with him , finance co appealed , took them months to come to a final decision ,eventually they sided with the finance co and he lost.

I said at the time this could end up being a test case , if the finance co are liable for every imported car it could be millions
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Its one of the reasons my copart account is based as part of my company in Senegal , it means if i wanted to I can buy Cat B and ship them over there and then bring them back kind of , through Ireland , Many a partially flooded high value campers are witten off , just as its assumed there could be faecial waste contamination , although to look at you wouldnt know
 
2b1ask1

2b1ask1

Special case
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20,748
midlifecrisis said:
The classic car clubs have been arguing for this on the basis that they only do 'a few miles' and why do they have to have annual MOT when most of the time their cars are on garages. So get a 1979 Ford Fiesta and use it as your daily driver. MOT and Road Tax Exempt. Classic insurance too.

https://www.classiccarauctions.co.uk/ford-fiesta-1300s

https://www.gov.uk/historic-vehicles
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Local guy does just that around here (I have posted previously), I think it is a 66 Plymouth Fury, he runs it a Santa Pod too!
 
lozcb

lozcb

Member
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12,793
madmanmart said:
Yeh is seems to be happening more and more.

It’s the same as your car though Loz?
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Agreed to a certain degree , im not advocating one way or another just the hyprocracy of it , originally and rightly so the scheme was set up to prevent cut and shut cars being allowed back on the roads ..............as in a safety aspect rightly so ........................and not whether cars were subject of an insurance claim ( which for sometime now is how its developed) engine problems are not a safety issue in my view , so i dont exonerate myself of the poorly developed system ,
 
Hawk13

Hawk13

Member
Messages
1,471
midlifecrisis said:
The classic car clubs have been arguing for this on the basis that they only do 'a few miles' and why do they have to have annual MOT when most of the time their cars are on garages. So get a 1979 Ford Fiesta and use it as your daily driver. MOT and Road Tax Exempt. Classic insurance too.

https://www.classiccarauctions.co.uk/ford-fiesta-1300s

https://www.gov.uk/historic-vehicles
Click to expand...

Not the clubs I am part of - most being of the view that the MOT exemption is madness. And that most owners are not qualified or equipped to identify issues with serious safety issues (brake lines etc.)
 
madmanmart

madmanmart

Member
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377
lozcb said:
Agreed to a certain degree , im not advocating one way or another just the hyprocracy of it , originally and rightly so the scheme was set up to prevent cut and shut cars being allowed back on the roads ..............as in a safety aspect rightly so ........................and not whether cars were subject of an insurance claim ( which for sometime now is how its developed) engine problems are not a safety issue in my view , so i dont exonerate myself of the poorly developed system ,
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I agree that a car with unrecorded body damage is worse than mechanical, also then becoming a safety issue.
But personally for me I wouldn’t want to buy a High performance car with undeclared major engine surgery either.
 
lozcb

lozcb

Member
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12,793
madmanmart said:
I agree that a car with unrecorded body damage is worse than mechanical, also then becoming a safety issue.
But personally for me I wouldn’t want to buy a High performance car with undeclared major engine surgery either.
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undeclared major engine surgery either.

Not all engine maintenance /repairs are recorded on probably 99.9% of all cars in the market place , you leave yourself very little scope , the catergory system is and was for safety issues , thats taking the sublime to the ridiculous in my view
 
madmanmart

madmanmart

Member
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377
lozcb said:
undeclared major engine surgery either.

Not all engine maintenance /repairs are recorded on probably 99.9% of all cars in the market place , you leave yourself very little scope , the catergory system is and was for safety issues , thats taking the sublime to the ridiculous in my view
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Personally I don’t consider bent Conrods to be basic engine maintenance / repairs.
 
lozcb

lozcb

Member
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12,793
madmanmart said:
Personally I don’t consider bent Conrods to be basic engine maintenance / repairs.
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Well its a good job your in a very very small minority , is all i can say .............parts are made to replace damage parts , if more people had your train of thought the whole parts industry wouldnt be required ................quite a bizzarre attitude IMHO
 
Wack61

Wack61

Member
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8,866
Hawk13 said:
Not the clubs I am part of - most being of the view that the MOT exemption is madness. And that most owners are not qualified or equipped to identify issues with serious safety issues (brake lines etc.)
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I went to a car show , a guy who looked like a bit of a chancer had a triumph herald convertible that he'd just bought , it looked rough , like car sos pulling it out the garage rough , door bottoms were gaffer tape , inner wings were mostly air ,30 year old tyres,I can't imagine what the chassis was like.
I asked about MOT , doesn't need one , free tax too , I just insured it for £150

Yeah numbnuts, no mot doesn't mean pull it out of the sea and drive it.
 
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