What is life like with your car? Let us know and win £500 in John Lewis vouchers | No thanks

Appealing against a Cat B write off?

My car submerged in the water last week due to the heavy raining that caused flooding in the underground parking. The car was parking on a gradient therefore only the rear right side of the car was submerged. I was able to open the doors and start the car without any issue as the water was not that high. The rear back flooring was wet. The damage had been assessed and the estimate for repair is £800 (carpet change and checks). However, my insurance company called me saying that it has to be written off as total loss Cat B. I am sure that the insurer only decided to put it in Cat B because they heard the word "submerged". Now, I would like to appeal the category and put it in cat C or if I cannot do that, I would like to keep the car and put it back to road even if it is Cat B. There is literally no money has to be spent on it except for the DVA checks it may need. I know the insurer guidelines and the car has to be destroyed but I heard that it is possible to put back on the road I was wondering what are my options?

Asked on 3 September 2015 by rolandka

Answered by Honest John
Your insurer is doing this to avoid having to put you in an expensive credit hire car for the duration of the repair that would put the total cost far higher than the value of the car. Explain to to them that you are still driving the car and that you wish to withdraw the claim.
Similar questions
When is a flooded car classed as a write off?
I drove my Alfa Romeo through a floodwater, which was lower than the sill, at lowish speed. How likely is it that this could've wrecked the engine? The car is heading for write off subject to the insurer...
My Mercedes-Benz E-Class was deemed uneconomical to repair after being driven through standing flood water in December 2013. It was declared Cat D and required a new engine. It was subsequently repaired...
Related models
High quality interior with plenty of space. Excellent steering and handling. Available with quattro four-wheel drive. Frugal 2.0 TDI. Improved for 2012 with more efficient engines.
 

Value my car

Save £75 on Warranty using code HJ75

with MotorEasy

Get a warranty quote

Save 12% on GAP Insurance

Use HJ21 to save on an ALA policy

See offer