Hi. Thankyou for your post.
I have been driving this car for the last couple of years unaware that it was important to inform your insurance company, it was not untill my son had his accident that this came to light, so now as you have said in your post it IS important to tell them.
I am still a little annoyed that on most online car insurance qoutes you are not asked this question? this may have rung alarm bells when applying for insurance.
I have been doing my own survey and asking variouse insurance companies if they would insure a Cat D vehicle, most of them saw no problems accepting that a valid M.O.T was proof of repaire, (vehicles over 3 years old) newer vehicles (less than 3 years old) may require a check by the vehicle manufacturer or profesional garage ect,
I have been buying insurance loss cars (for my self and family only) NOT to re-sell, it is cheap motoring and I am doing my bit re-cycling! even so if I buy a car for £5,000 that had a pre-accident value of 21,000 I want to be sure that in any accident I will at least get back what I paid for the car.
Thank you for your advise, I have taken it in, and will be sure to inform my next insurance company.