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re fbd are saying car is a write off

  • 17-12-2010 4:48pm
    #1
    Alfagtamini
    Registered Users, Registered Users 2 Posts: 697 ✭✭✭


    hi
    just brought a car for the other half 1.0l 2000 polo

    mywheels comes back clean but when i rang fbd for a quote it came back as being a write off.

    any ideas?


Comments

  • #2
    coylemj
    Registered Users, Registered Users 2 Posts: 25,650 ✭✭✭✭coylemj


    It could have been written off by the insurance company but there are two types of write-off.....

    1. Engineering write-off is where the vehicle is so badly damaged that it would be impossible to fix it to the point where it would be safe to put it back on the road.

    2. Economic write-off is where the cost of repairing the car is more than the car would be worth after the repair so it makes no economic sense to fix it. However if the owner of the car was in the trade and had access to the right equipment, he might give it a go and fix the car so that it was safe to go back on the road.

    If the car was (as your is) a ten year old, it probably wouldn't take much damage for it to be an economic write-off but that doesn't mean that it couldn't be fixed up.

    However even if you bought it from a private buyer where your legal protection is not as wide as if you bought from the trade, he/she (the private buyer) would be legally obliged to disclose that the car had been written off previously.

    If you bought from the trade then it's an open and shut case, you're entitled to your money back if it wasn't disclosed.


  • #3
    Alfagtamini
    Registered Users, Registered Users 2 Posts: 697 ✭✭✭Alfagtamini


    hi thanks for the reply.
    the bigger issue is a my wheels check was done and its clear no accidents. i wonder could it be a mywheels error or a fbd error


  • #4
    mathepac
    Banned (with Prison Access) Posts: 4,991 ✭✭✭mathepac


    coylemj wrote: »
    ... However even if you bought it from a private buyer where your legal protection is not as wide as if you bought from the trade, he/she (the private buyer) would be legally obliged to disclose that the car had been written off previously. ...
    That is untrue. It is illegal for a private seller to sell a car that is unroadworthy and we don't know right now that the car is unroadworthy, all we know is that it is an insurance write-off, maybe for economic reasons.

    A private seller must however answer questions posed by a potential buyer truthfully. So if OP asked "was the car involved in a crash or written off at any stage?" and the seller answered "no" then the OP has grounds to pursue the seller.

    Citizens Information Website.


  • #5
    L-M
    Registered Users, Registered Users 2 Posts: 23,694 ✭✭✭✭L-M


    The previous owner could still be innocent, the car being a write off wouldn't have been known to the previous owner unless

    It was actually written off in their period of ownership
    They tried to insure it with FBD.

    If the previous owner had it insured with someone else it they easily may not have known that it was written off. I'd contact the previous owner first, see what they say.


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