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 Post subject: Recorded by an insurance company as a theft
PostPosted: Thu Nov 05, 2009 11:48 pm 
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I have been looking at a car and did a quick Vehicle Status Report. It has come up fine except the insurance theft bit. It says -

"Recorded by an insurance company as a theft

Our records show that an insurance theft has been recorded. Contact the seller for more details"


Im going to contact the seller regarding this but could someone explain what this actually means? In the report it says it hasnt been recorded stolen by the police so what is insurance theft?

Just asking so i know what i should be looking for when asking the seller.

The seller does say he had bought this vehicle brand new.


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PostPosted: Fri Nov 06, 2009 1:02 am 
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Joined: Mon Feb 27, 2006 9:40 pm
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Location: Motherwell - Sunny Scotland
Coupe: gen3
I would guess that the car was stolen and recovered at some point in its history so make sure the seller gives you evidence of any work the insurance company carried out when it was returned.


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PostPosted: Fri Nov 06, 2009 12:33 pm 
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Just spoke to the seller and everything sounds good. On this theft point he says the it was stolen 2 weeks after he bought it (may 2002) - broke into his house and stole keys - took car for a spin and stole the stereo.

It was found 2 miles away from his home and the police took it in for a week then handed to hyundai to get valeted etc. No damage was done in the theft. He says the only paperwork he has regarding that was whatever hyundai left in the booklet thing.


Sounds ok?


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PostPosted: Fri Nov 06, 2009 12:40 pm 
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Location: Motherwell - Sunny Scotland
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Yeah that sounds fine mate, he never tried to deny it so sounds like a good buy. So you thinking of changing your coupe then?


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PostPosted: Fri Nov 06, 2009 12:56 pm 
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Excellent! Doesnt sound like a dodgy character but you never know! lol. Yeah i currently have a silver 1 but looking to change it to black. Getting a good buy with this guy if i do go ahead to buy it (hopefully!).

May have seen in my other topic im planning on going for the outlaw wide bodykit.


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PostPosted: Sun Nov 08, 2009 5:42 am 
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Im going to be catching the train to have a look at the coupe today but i have just done a quick rac check. on this insurance theft it has come up on rac as -

'VRM currently recorded by an insurance company as a theft '.


Does that mean the vehicle has been put down as theft at this present time? or would that also show up even if it was a stolen/recovered vehicle 7 years ago?


The Road tax ended in Oct 2009, he did say he will get it taxed for me. Am i correct in saying if the vehicle is currently stolen then it could not get taxed?


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PostPosted: Sun Nov 08, 2009 10:10 am 
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Would have thought that if the theft registered in 2002 had effected the tax he wouldn't have been able to have it taxed till Oct 2009, but not sure if he was lying about that and it is currently stolen.


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PostPosted: Sun Nov 08, 2009 10:52 am 
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What do you mean? If your vehicle has been stolen / recovered it affects the road tax?


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PostPosted: Sun Nov 08, 2009 11:08 am 
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no they are saying if the tax was affected they couldnt have taxed it up till now.

As for this "VRM currently recorded by an insurance company as a theft" that reads that it is currently recorded as that. But I dont confess to know 100% what this means... Cant you ring your current insurance company and ask??


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PostPosted: Sun Nov 08, 2009 11:13 am 
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Ok thanks, i would rign them but they're closed on a sunday.

Just spoek to the seller and got v5 details for the data check with rac

its now come up saying -




* The VIN is not registered with the VRM supplied
* VRM currently recorded by an insurance company as a theft
* The V5 registration document issue date does not match the information provided by the DVLA


On the check it does say -

Insurance Theft

*
Recorded against
VRM
Description
HYUNDAI COUPE SE
Date
21/05/2002


It does say at that side -

As a result of your check HPI will contact the insurer to determine whether it is owned by them. We recommend that you do not buy the vehicle before you have received the result of this investigation which may take up to 5 working days.


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PostPosted: Sun Nov 08, 2009 12:57 pm 
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Location: Newcastle / Blackpool / Grimsby
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Sounds very fishy to me i would stay away. Sounds like it could be a ringer


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PostPosted: Sun Nov 08, 2009 1:51 pm 
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yeah mate i've put a hold on it was going to go see it today but going to wait and see what the results are.

Is it possible to contact ie the police and supply them the details reg number / vin number etc and see if they have it as stolen on there records or anything? or will they tell me to move along


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PostPosted: Sun Nov 08, 2009 2:19 pm 
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Location: Aylesbury, Bucks
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try on this siteto see if its in the insurance data base, theres a link to tell you if its on the DVLA database too, and when the tax and MOT is due.

or text the reg to 83600 (costs about £6) to get a quick check on the vehicle


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PostPosted: Sun Nov 08, 2009 2:29 pm 
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why not HPi check it?


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PostPosted: Sun Nov 08, 2009 6:25 pm 
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It says the car is on the motor insurance database on that link.

Just sent a text to that number and received the following -

Hyundai Coupe Se 2.0
VIN***5480 May 02
1 owner
No colour changes
Not scrapped
**02*** is recorded as stolen. Lost Date 21-05-2002. (i have added in the stars to cover reg number)
Ownership rests with insurers who can repossess the vehicle.


Only thing i see different from what he said to me is the VIN. He supplied me a VIN with 11 numbers but on txt it comes up with 3 starred and 4 numbers (7 numbers).

Could this mean he has given me the wrong number? Or its a dodgy VIN?

ownership rests with insurers wo can repossess the vehicle - that mean an insurance company can come and take it off me if i was to go ahead and buy it?

scout i couldnt see any link on that site where it would tell me about tax and MOT.


Quote:
why not HPi check it?


Thats to see if it has finance, writen off etc? Thats included in the rac car check. It call came up fine, only problem i have is that it came up with -

* The VIN is not registered with the VRM supplied
* VRM currently recorded by an insurance company as a theft
* The V5 registration document issue date does not match the information provided by the DVLA


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PostPosted: Sun Nov 08, 2009 6:42 pm 
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Location: Aylesbury, Bucks
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The link is at the bottom of the page where it says DVLA, but to save you searching heresthe linkfor you ;)


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PostPosted: Sun Nov 08, 2009 6:55 pm 
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Thanks scout!

Here is what i got -

The enquiry is complete
The vehicle details for **02 *** are:

Date of Liability 01 11 2009
Date of First Registration 04 05 2002
Year of Manufacture 2002
Cylinder Capacity (cc) 1975CC
CO2 Emissions 202g/Km
Fuel Type Petrol
Export Marker Not Applicable
Vehicle Status Licence Due to Expire
Vehicle Colour BLACK
Vehicle Type Approval M1

Vehicle Excise Duty Rate for vehicle
6 Months Rate £118.25
12 Months Rate £215.00


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PostPosted: Sun Nov 08, 2009 9:11 pm 
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If the data is correct about it being reported stolen and owned by the insurance company, evey time you go past a ANPR camera it will flag up and you will get pulled. I wouldn't touch it, there are pleanty more coupes in the sea, well on the land, you don't want a fishy one.


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