Sold a Written-Off Car by a SIMI Dealer

maestroamado

https://www.boards.ie/discussion/comment/118412645#Comment_118412645

Very simple Insurance companies are regulated... we need to tick boxes tax/insurance.nct is an offence... Just make it mandatory report if write off... then if confirmed as roadworthy have NCT to confirm... simple...

maestroamado

Bass Reeves

https://www.boards.ie/discussion/comment/118412736#Comment_118412736

NCT is a road worthy test, it's not a structural check on a car. Yes it should ideally see any structural faults. However most structural repairs can be hidden by a good repairer. That is why an engineer/ qualified persons report is required after certain major repairs ( such as an engine replacement). However if an engineer/ qualified persons report is required after a cat D repair it should be a legal requirement on the repairer and it should be recorded on the cars history. However this would increase the cost of such reports as engineer/qualified persons report would be recorded.

The other advantage would be the repairs would be recorded against the car and could be specifically checked at each subsequent NCT to make sure there integrity could be checked

MakersMark

https://www.boards.ie/discussion/comment/118412533#Comment_118412533

Seller must inform purchaser.

maestroamado

https://www.boards.ie/discussion/comment/118412809#Comment_118412809

That's actually a better option... NCT just confirm ok...

Bass Reeves

Cat and writer offs can vary. I be much more suspicious of a newer car is cat D than an older car. An older car is less likely to have major repairs as it is less valuable.

We had a car here that was bought in such a situation it was 7-8 year old Yaris where all one side was damages as well as the front light and bumper. Lad who bought it to repair was lucky enough to come accross a car the same colour and bought the parts and just had to bolt them on. Lines were perfect on the car. Car was perfect but looking back at it I be less inclined to buy such a car now unless there was a certified engineer's report

mickdw

Plenty low value cars go cat D for very little. All it means really is it was cheaper for insurer to pay out for the car and get salvage money from trade sale than to repair.

A £5000 golf with damaged bumper, rad and bonnet would likely be a cat d as too much to repair with new parts.

Trade will buy it knowing they will get a used front end for small money.

maestroamado

https://www.boards.ie/discussion/comment/118415447#Comment_118415447

That's perfect example... say the trade buy for €500+ fix for €500 total €500 so car now worth €5000... i have no problem with any of that once garage confirms to buyer car was damaged and gives certified proof of repairs + warranty to buyer... very straightforward....

colm_mcm

So what happens when the seller isn’t the repairer?

jmreire

If there was a shared data base between insurance company's, with all accidents recorded, then it would be impossible to sell on dodgy ex-accident vehicles. So you see a car you like, discuss with the dealer, agree a deal, but before payment, check with your insurance. And regardless of the salesman patter, its the insurance who will know the true condition of the vehicle.

KerryGoldinDublin

https://www.boards.ie/discussion/comment/118411601#Comment_118411601

Because I have since been warned about who finances said garage mate. I got my result, now I'm ducking out.

KerryGoldinDublin

https://www.boards.ie/discussion/comment/118412592#Comment_118412592

See above comment for reasons.

Parkieman

@KerryGoldinDublin having a similar problem at the moment myself with a car I bought. Do you mind me asking if said garage was in dublin ? And how did you manage to strike a deal with said garage ?