I want to keep my Cat N car and fix it - do I need to tell my insurer? | Ask Honest John

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

I want to keep my Cat N car and fix it - do I need to tell my insurer?

I want to keep my Cat N car and can have it fixed with used parts for less than what the other guy's insurance company will pay me. Do I need to inform my own insurance company?

Asked on 20 November 2017 by Mark

Answered by Honest John

Firstly is your car a total loss? If the repair cost are less than the market value, ask for a cash in lieu settlement at the cost of repair. Should the repair cost be more and it is a Cat N total loss, there is no obligation on you in any way for you to notify your insurer aside from advising you have been involved in an incident.

Tags: insurance write offs cat n

Similar questions

Should I repair my Cat N write off?

I have recently been involved in a car accident where I was not at fault. The car's damage, which was mostly done to the front bumper on the driver's side, was reasessed by my insurers and deemed to be...

My van was written off for a slight scuff to the wheelarch - is this right?

I took my van to have estimate after slight scuff to rear wheel, arch and bumper. They gave the insurers and estimate of £3800 (this included the van be sanitized at £40). The insurers wrote my van off...

My insurer wants to write off my car - can I get it repaired instead?

My insurers want to write off my damaged car which is repairable. What are my options?