the VIC check is what it says - a Vehicle Identity Check, not an MOT, likewise a CAT C or D is an insurers definition of a vehicle "BER" beyond economical repair - for them, not for joe public. none of the above need actually void an MOT Insurers willingly write off cars for 1 good reason, they know that the insured will get zilch and then lose all thier NCB, my lads just lost his £3K (november 2011) and got just £760, after paying his excess and ALL his outstanding insurance instalements (£600) and that INCLUDED £120 he had to spend on a bonnet after his flew off on the M5, so much for having fully comp (but unprotected NCB)