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stolen and recovered car - insurance obligations

thingonaspring Avatar
7y, 10m agoPosted 7 years, 10 months ago
hi people,
my wife's car was stolen, and has since been recovered. does anybody know if there is a "standard" obligation for insurance companies (who haven't paid out any settlement to us or anything, so its still our car), to restore things to how they were?
for example, the plates have been changed, with road tax and mot etc on the new plates.
so now its recovered, do they have to make sure its "road legal" like it was when it was stolen? the main concern is the MOT - which has expired since it was stolen anyway - but surely the minute I go to collect the car from the insurance companys storage pen, it's not actually legal for me to drive it home as a result... is that my problem? or theirs...?

or is it like most things, something thats different according to which insurance company you use... cheers for any input.
thingonaspring Avatar
7y, 10m agoPosted 7 years, 10 months ago
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#1
do you have a legal helpline with your insurance company? cos i guess it can differ depending on your cover?
banned#2
have you made an ins claim againt the damage ? if so it should go to a local accident repair centre and be assessed for any damage and they will repair the damage once authorised by the insurance

x
#3
if you're insurance policy covers it, you shouldn't even have to pick it up from the reclaim station, that should be organised and making the car road legal again by your insurers
#4
thanks for all the replies...

hmm. i should phone the insurance company i guess to see exactly what the policy is. they surely can't just fob me off with duff info i suppose! :)

i know the car is in very good condition, because they were trying to sell it again. so the only concerns are:

No valid tax disc since it would have been replaced with the one for the new plates.
MOT has expired between it being stolen, and it coming back, and of course the MOT it *has* now got is once again, for the new plates.
Insurance company already saying (when mentioning the MOT), that "they'd check if the garage it has been sent to do MOT's, otherwise we'd have to sort it out when we collect it" - which set the alarm and panic bells ringing. and why i don't want to be fobbed off by them

so i was hoping it was a case of "they have to restore it to a road legal condition before it comes back by law - change the plates back, ensure the tax disc is present, and the MOT is valid etc for the correct number plates again". but i doubt we're that lucky :-D
#5
i wouldnt have thought they would MOT it...and you will have excess too-so if its just a case of putting plates back and MOTing maybe cheaper for you to do that? if your tax disc is still valid you can probably get that replaced by DVLA?
You need to check if they have changed the chassis number etc..
#6
can you ring the local police station-they might be able to help with advice.
#7
Nothing to do with the police, this is purely an insurance issue.

The vehicle should be delivered back to you in the exact condition it was in prior to it being stolen, don't let the insurance company fob you off.

Good luck.
banned 1 Like #8
Hi there

I work in motor claims, so I can help....hopefully!

Firstly and unfortunately, getting it taxed and MOT'd is going to be your problem. The insurance policy does not cover you for this. However, assuming you have "third party fire & theft" or "comprehensive" cover you will be covered for any damaged caused by the thieves.

If there is damage to the vehicle, then your insurers should move it out of the storage yard and to a garage near to you.

If there's no damage, then you need to collect the vehicle from the yard. They may ask you for payment of the reocovery and storage charges insurred so far. The standard police recovery charge is around £120 and they can charge up to £20 a day storage. However, your insurers should cover this cost, so if you DO have to pay out, keep the receipts and they should reimburse you.

DO NOT TAKE MY WORD ON THAT THOUGH! Make sure you ring your insurance company first, speak to the claims department and ask them what you need to do. All insurance companies are different here and there, but we all basically use the same principles when dealing with claims.

Any more queries, shoot them my way.

http://www.dan-jackson.com/smilies/burn.gif
#9
thanks again guys!
it is indeed comprehensive cover, but there isn't any damage as such. but they did change the locks... so does that count as "repairable damage"? the police pound have the car, and they are charging per day at the minute, but the insurance company have all the documents and the original (but useless) keys, hence them saying it was their responsibility to collect it and pay for the pound fees.
banned#10
thingonaspring
thanks again guys!
it is indeed comprehensive cover, but there isn't any damage as such. but they did change the locks... so does that count as "repairable damage"? the police pound have the car, and they are charging per day at the minute, but the insurance company have all the documents and the original (but useless) keys, hence them saying it was their responsibility to collect it and pay for the pound fees.


So if the insurers have all the documents, have they paid out for the car? i.e. did you receive a settlement cheque for the loss of the car?
#11
they haven't paid out for it no. they made an initial offer which was refused (by us), then they asked us to send all the documents off and they would send a new offer. at which point the car was found by me, police picked it up, obviously told the insurance etc who then held on to the documents but also held off on sending another offer.
banned#12
Oh that's a pain. If they had paid out, it's their problem entirely!

Either way, it'll be best to call them ASAP to see how they want to proceed.
banned#13
if it has had new locks fitted, surely it will need to go to the garage to get a new set put in so who ever took it can not take it again

this should be covered by the ins to get a new lock set, dvla, for a small fee will re-issue the tax disc, and mot is down to you

x

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