Too good to be true? (AutoTrader)

Saw this and, while I can't really afford it at this time, I might have to get it if its legit.

96 UK Manual 25,000 miles!! Under 10k

Is that a typical price? I thought UK, manual, low milers were a licence to print money:eyebrows:

Does this belong to anyone on here?

Hmmm.... just spotted this. Might explain it.

VCAR Vehicle Condition Alert Registered vehicle (insurance write-off)

How would that affect things like insurance etc?

Hmm I think the problem will be that this car was in a serious accident that they totalled it.

This car is pretty local to me and I too intially thought it was too good to be true. However, being on the V car does de-value it somewhat.

It doesn't affect the insurance in anyway, only it's value. That's not to say the car is in a particularly bad way. I've owned cars in the past that were on the register and they were the best I've had.

It could just be Stolen/Recovered. It could also be Cat D accident repaired, which also isn't so bad. Then again, it could be a complete mess!

It doesn't affect the insurance in anyway, only it's value.

I disagree. 90% of insurance companies will not insure cars that have been written off, regardless of category. You MUST inform your insurance company that the car has been a write-off.

Try and give somewhere like Tesco a call and see what they tell you once you say the car is an accident repair.

I disagree. 90% of insurance companies will not insure cars that have been written off, regardless of category. You MUST inform your insurance company that the car has been a write-off.

 

Try and give somewhere like Tesco a call and see what they tell you once you say the car is an accident repair.

If it is a problem for them to insure you, surely whenever you get a quote they'd ask if it's on the register? I can honestly say that from the 100's of times I've had quotes I've never been asked this.

I was under the impression the only way it would affect insurance is should they have to pay out on your registered car, they would decrease the pay-out in line with a registered cars value.

I may be wrong though, anyone know this for sure?

its nice with the things its got on it

If it is a problem for them to insure you, surely whenever you get a quote they'd ask if it's on the register? I can honestly say that from the 100's of times I've had quotes I've never been asked this.

Thats not quite the way it works. Its your legal responsibility to inform the insurance company if the car has been written off, its an offence is you don't. It's also mentioned in the small print in every insurance document i've seen so unless you inform them your insurance is invalid.

The only real way you an get round this is if you have a trader policy. I've never heard of anyone being able to insurance a write-off under a private policy.

I used to sell a lot of CAT D cars and never heard of anyone having a problem , the worst thing is you may be asked for an engineers report .

Dude

I used to sell a lot of CAT D cars and never heard of anyone having a problem , the worst thing is you may be asked for an engineers report .

 

Dude

Me neither, I've owned at least 5 cars on the register and never had a problem with insurance. I crashed an imported CatD stolen/recovered Mr2 a few years back and wrote the other car off (really icey conditions, not entirely my fault ). I was only 3rd party yet obviously the other guy was covered. Surely if the insurance company could have got of paying buy simply doing a HPI check they would have? Or is this irrelevant with me being TPFT?

Also, if you can only get insured on V Car vehicles by a traders policy wouldn't this instantly make them almost worthless? Nobody would buy them.

Two things:

If this car hadn't been damaged and put on Vcar, what price should be getting asked for it?

Also, if I ring the seller, what do I need to ask about? I want to make sure I cover everything. Basically, if the reason its on Vcar isn't too bad, I'm going to check if SKY will insure it and then try to convince the missus that we (meaning Me) really need this car.

I used to sell a lot of CAT D cars and never heard of anyone having a problem , the worst thing is you may be asked for an engineers report .

 

Dude

i was told that last year when looking at a uk supra,the owner didn`t have one and i think he was trying to hide how bad it was.

as for insurance a mate had a metro as a runaround and it got stolen,when it was found burnt out the insurance wouldn`t pay out as there was no engineers report for a previous insurance claim on that car.my mate had no idea and lost the value of the car.