Oct

Insuring a damaged repaired car

admin

This is a question I@m frequently asked.

“Will I be able to get insurance on my car if its a cat D or C?”

I’m simple terms, Yes. It shouldn’t be any different than insuring any other car. However you should definitely make it clear to your insurer that it is a damaged repaired car, as this would affect any pay-out if something happened. Likewise the overall value of the car will be affected, so if involved in an accident the insurers would not pay-out full book value for the car.

Another frequently asked question about insurance and salvaged cars is.

“Do I have to tell my insurer when insuring a Cat X or U car?”

With Category X & U cars, there isn’t the need to tell your insurance company unless you would specifically like to. These cars are not insurance write-offs therefore once repaired the overall book value of the car is un-altered. Additionally, damaged on cat X an U cars is usually only cosmetic, and not structural therefore the insurance company wouldn’t be concerned there either.

If you are ever worried make sure you have a chat with your insurer as they will be able to clarify all the above for you.

Aside from the above you shouldn’t have any problems insuring a damaged repaired car.