What steps should I follow to insure a write-off?

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• Published: 22 Dec 2009 in Motoring and Car Insurance

QUESTION:  I’m thinking about buying a car that has been previously written off and then repaired. Do I have to inform my insurance provider that the vehicle was once a write-off and will this affect the premium I am likely to pay or even lead to the provider declining to insure my vehicle at all?

ANSWER:  The short answer to these questions is “yes”.  It would be wrong to assume that all insurance providers are willing to take on the risk of a previously written off vehicle. Whilst providers may not ask the question, it is important to volunteer the information as some providers will penalise you or refuse to cover you in the event you need to make a claim.

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