Catagories Of Insurance Claims

[greg_68]

Can someone please tell me what the different catagories of insurance claim/repair mean.

 

I am looking at a Picasso on Ebay and it says it's a catagory D repair.

 

Cheers.

[cos 4x4]

if the vechile is catergory d then you can get it repaired and it won,t need an inspection cat c you need a inspection cat b and a do not go back on the road

[greg_68]

it states in the description it is a cat d repair.

 

Is the seller of a vehicle obliged to tell potential buyers this?

[mumble_bee]

Car dealers do not have to tell you that a car is a write-off but Trading Standards say that if they advertise HPI checks it's reasonable to expect them to carry out the check and to tell you if you find anything wrong in the car's history.

 

from Here

and

 

When an insurance company decides not to repair a vehicle they will issue it with a salvage classification category.

 

Salvage categories were introduced in an effort to curb vehicle crime in the UK. They were developed by the Association of British Insurers (ABI) with the assistance of vehicle recyclers, the DVLA and the UK Police Force.

 

The categories are as follows:

 

A - Not for resale. Fire damaged (burnt-out), flood damaged (contaminated or salt water), severely damaged with no serviceable parts, or heavily stripped (shell).

Notification of Destruction required. (To be crushed). Recorded at DVLA & HPI.

 

 

B - Not for resale. Damaged beyond economical repair and/or severe structural damage.

Notification of Destruction required. (Parts can be removed and sold). Recorded at DVLA & HPI.

 

 

C - Repairable salvage. Generally applies to older vehicles. Can be sold for repair but must now have VIC inspection.

Recorded at DVLA & HPI.

 

 

D - Repairable salvage. Minimal damage sometimes stolen and found after claim has been paid, or cost of repair combined with difficulty obtaining new parts to enable a swift repair.

Recorded with HPI.

 

 

X - Repairable salvage. Not recorded on any registers such as HPI. Limited or very light damage, or vehicle is new or less than 12 months old. Usually requires minimal repair work.

NOT Recorded with HPI.

 

fromHere[

[greg_68]

thanks for that. B)