Would you buy a Cat D motorhome?

[jenks]

Most insurance companies will check the insurance database to check for previous claims, the check is made against the vehicle reg number. Some people of lesser morals put private plates on a cat D or cat C to slow down the information tracking... which might get the cheaper insurance / won't show up any HPI information etc.... until there's an accident or claim and engine numbers / chassis numbers come into play!

 

[Teutone]

I had this with more than one Insurer. Took me half a day to phone around to find one which was accepting me. But how do you get past the first contact on the phone after beeing declined?
There are many other conditions insurers decline people for. Too young, male or female. Sure this would be a breach as well?

 

[nipagan]

cat d

might be worth keeping in mind cat d means it only has cosmetic damage with no structural repairs . in other words it wont effect the driving or use .

just a thought

peter

 

[Ex Greeny]

CategoryC, D?

Forgive me for being a bit thick, but what is a Category C, or Category D Motorhome?

 

[frontslide]

Forgive me for being a bit thick, but what is a Category C, or Category D Motorhome?

Insurance write off catergories.

CATC Vehicles that have sustained heavy damage and have been written off by the insurance
companies due to the costs of repair exceeding the pre-accident value of the vehicle.
These vehicles can be sold for repair as the damage is considered to be repairable but
the purchaser will require a VOSA Test in order for the vehicle to be driven on the roads
safely and legally.

CATD Vehicles that have sustained light damage but have been written off by the insurance
companies for other reasons even if the repair costs are less than the pre-accident value of
the vehicle.
These vehicles can be sold for repairs. The (V5) Log Book is issued upon application.
No VOSA VIC check is required.

 

[271]

Most insurance companies will check the insurance database to check for previous claims, the check is made against the vehicle reg number. Some people of lesser morals put private plates on a cat D or cat C to slow down the information tracking... which might get the cheaper insurance / won't show up any HPI information etc.... until there's an accident or claim and engine numbers / chassis numbers come into play!

Putting a cherished transfer plate on a vehicle will not confuse or frustrate a HPI check for more than a micro-second, if anything it is more likely to result in a false alert.
The only stipulation that most if not all insurance companies make is that the vehicle must be roadworthy, being a repaired vehicle does not make it un-roadworthy.