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Thread: HPI insurance write off

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    HPI insurance write off

    Bought a car a didn't do a hpi (stupidly) now I did one earlier and it come up insurance right off :/ is there anything I can do about this?

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    Car was bought from a garage

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    You may have some come back on this depending on a few things.
    Does the garage make a business out of selling cars or was it a one off?
    What Cat write off was the car you bought (A, B, C, D ect)

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    It was a garage what buy and sell Cars, on the receipt I got there is a box saying something along the lines off "I, the car trader have done the relevant checks of the Cars history and if the odometer reading is correct" and they have to sign it but he hasn't :/ also it doesn't say what category it is

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    If the garage were aware of it being a write off previously and never informed you of it, then they're in the wrong IIRC
    If they had no prior knowledge though "i think" they have done nothing wrong.

    If it's been a Cat A or B it shouldn't be back on the road. Cat C or D is moderate to minor damage and fine to drive again after repairs.

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    Tim
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    You've got come back with the garage. They have to inform you of any previous write offs. Don't go in all guns blazing though, explain the situation and that you bought the car in good faith but have now found out it was a previous write off. How would they like to deal with this?

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    Will have to go down and see what they have to say, what's the worst case scenario fir me?

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    Tim
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    You have to go to court and explain to the court how you have lost out.

    Best case is garage offering totals the car back or offer a refund of a percentage.

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    Right ok cheers

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    Tim
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    Do you want the car?

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    Not too bothered tbh need a car and could do with keeping it for a bit but that's about it, why?

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    The thing is, the car looks fine and i checked all engine bay to look for any signs of new parts or work been done to it and it all looks as it should, the Cars mileage all checks out and it was tested by the same garage since new so everything seems legit just the hpi says it was a insurance right off :/

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    That just means whatever the damage was done to it, wasn't worth the insurance paying out on. You can have a car wrote off for only getting a scratched bumper or dented wing on some cars

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    Yeah I know that mate but it's just a bit **** having a car with a right off marker against it :/

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    My other problem us I cant get to the garage until friday and would rather speak to them face to face than on phone

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    How much did you pay for the car, mileage overall condiion ect if you don't mind me asking?
    The price would depend on how much it's reasonable to be asked to be refunded by.

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    Quote Originally Posted by CorsaEdi View Post
    Not too bothered tbh need a car and could do with keeping it for a bit but that's about it, why?
    So basically you want the car, the write off doesn't affect you now as long as its been repaired properly but would affect resale. I would go in and say that you bought the car in good faith from a garage believing they have done a hpi, you have since found that it has been a precious write off. This affects the value of the vehicle and you believe the garage should offer some money toward this.

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    Quote Originally Posted by Hardcore View Post
    How much did you pay for the car, mileage overall condiion ect if you don't mind me asking?
    The price would depend on how much it's reasonable to be asked to be refunded by.
    I got the car for 680quid the overall condition isn't too bad considering the age of the car (51plate) it isn't immaculate though, roof is worst bit (paint missing and other bits) and also missing a wing mirror cover and a jack cover that's about it tbh, it has 87k on clock which all checks out
    Quote Originally Posted by Tim View Post
    So basically you want the car, the write off doesn't affect you now as long as its been repaired properly but would affect resale. I would go in and say that you bought the car in good faith from a garage believing they have done a hpi, you have since found that it has been a precious write off. This affects the value of the vehicle and you believe the garage should offer some money toward this.
    yeah that's probably what I'll be doing/saying mate thanks, just hope he doesn't get funny I would happily have a bit of a refund and keep the car but doubt that would happen

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    680? Truthfully at that price you are probably not going to get much. It's worth very little to the trader, 1-200 if that. It's not really going to affect your resale at that price range. You could try with the dealer but I doubt you will get anywhere. Unfortunate for you however the car works, it's cheap...enjoy it.

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    Quote Originally Posted by Tim View Post
    680? Truthfully at that price you are probably not going to get much. It's worth very little to the trader, 1-200 if that. It's not really going to affect your resale at that price range. You could try with the dealer but I doubt you will get anywhere. Unfortunate for you however the car works, it's cheap...enjoy it.
    Yeah that was what I was thinking tbh, it's a cheap car I may just run it into the ground, I will just give them a ring tomorrow and see what they say

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