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What is Category D repaired - used car
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# 1
travel_freak
Old 26-06-2007, 8:15 AM
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Default What is Category D repaired - used car

Hi,

I've seen a used car on Autotrader at what seems like a really good price but it is described as having been "repaired" and the repair being a "category D" repair.

I've never heard of this before - please could anyone give me a quick low down on what to look out for or is this too risky a venture for someone who is not a car expect?

Many thanks.
Regards,
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# 2
blossomsuz
Old 26-06-2007, 8:52 AM
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I am sure my other halfs celica was sold as a cat D.
In the case of that car we were crashed into from behind whilst stationary at traffic lights. As it was a H reg car the insurance decided that it was not worth repairing and categorised it as a D or C. The car was fine to drive, no twisting to the chassy and the floorpan was not bent, it was just a case of it being an older car. When selling the vehicle you have to notify the new owner that it is a cat D but other than that it was just another normal car. Same amount of tax, normal MOT's ect.
So long as its not written on the log book everything should be fine
When the DVLA take the logbook away I think you have to get a special test done pre MOT by the DVLA to ensure the vehicle is still safe to be on the road.

These cars are generally cheaper as they are worth around 30% to 40% less than the normal value. If you know what your looking at you can pick up a bargin.
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# 3
Porker
Old 26-06-2007, 9:43 AM
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  • Category A - Vehicle must be crushed. All of it.
  • Category B - Vehicle may not be returned to road. Parts may be sold.
  • Category C - Repairable. Possibly structural damage. Cost of damage (at main dealer prices and labour rates) is more than book value of vehicle.
  • Category D - Repairable. Probably non-structural damage. May have been economic to repair, but insurer doesn't want to.
  • Category F - Damaged by fire.
  • Category X - Repairable. Minor Damage.
if it's more than 10 stone, and that hairy, it's probably not a dog...it may be a wookie.
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# 4
Dave Brooker
Old 26-06-2007, 10:21 AM
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Quote:
Originally Posted by travel_freak View Post
Hi,

I've seen a used car on Autotrader at what seems like a really good price but it is described as having been "repaired" and the repair being a "category D" repair.

I've never heard of this before - please could anyone give me a quick low down on what to look out for or is this too risky a venture for someone who is not a car expect?

Many thanks.
Regards,
It's salvage.

That's why it's cheap.
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# 5
travel_freak
Old 26-06-2007, 11:23 AM
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Hi, thanks everyone, as ever I've learned something new there.

It's only a 2005 car so it seems strange that the insurer didn't want to repair it and it's a VW Polo too which are sought after, with only 9k ish miles.

Although it doesn't yet need an MOT by law would I be able to ask the seller to put it through an MOT at this stage so I have peace of mind that it will definitely pass an MOT in spite of the damage/repair - or is it impossible to get an MOT until the car is old enough to legally require one?

Should I expect to see some sort of certificate identifying this as "category D" damage and giving full details of the accident and repair work?

Also if I got all the details I guess I could get a specific insurance quote on the car before buying, to make sure cover is readily available and not priced through the roof.

Many thanks again for the helpful information.
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# 6
mjr600
Old 26-06-2007, 12:03 PM
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Cat D can vary considerably from accident damage to paintwork.

There are more Cat D's appearing as a result of the cost to replace airbags.

An airbag is set to trigger from 19mph provided the impact is in the correct position to set it off, a frontal collision in a Polo with two triggered airbags will likely put in Cat D, airbags can be pricey to buy, the passenger side dashboard can be destroyed when a bag deploys in that position.

Without airbags the front end repair could have been economic, a dodgy repairer might just fix the damage and not replace the airbags or use parts from another accident/stolen vehicle. You need to find out if the bags deployed before considering a Cat D.

It will also be almost worthless due to the above so buy it cheap, check it's safe and expect it to be worth nothing when it comes to sell.
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# 7
iluvmylexus
Old 26-06-2007, 12:38 PM
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quite often a car can become cat d with very little damage but perhaps a large bill for carhire that makes it beyond economical repair, for example a stolen recovered.
i have seen a bmw cat d that even with a fairly thouough inspection i couldnt work out why it was listed
buy it with caution and remember if you want to sell it on you may have difficulties
speed is good
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# 8
blossomsuz
Old 26-06-2007, 12:44 PM
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Like I said before my Fellas H reg Toyota Celica GT4 was a Cat D mostly due to its age and they said it was beyond economical repair. The car was fine there was just a scuff on the rear bumper.
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# 9
Porker
Old 26-06-2007, 6:19 PM
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Quote:
Originally Posted by mjr600 View Post

It will also be almost worthless due to the above so buy it cheap, check it's safe and expect it to be worth nothing when it comes to sell.

agree with the above - if trade puts such a low value on these cars it's for a reason - I'm sure there are real bargains to be had, but the unknowns are potentially serious. if youre very happy with it then fine, but you wont be able to sell it, so if it's screwed you've got to live with it for a long time.
if it's more than 10 stone, and that hairy, it's probably not a dog...it may be a wookie.
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# 10
Gold_Shogun
Old 27-06-2007, 1:39 AM
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Quote:
Originally Posted by travel_freak View Post
It's only a 2005 car so it seems strange that the insurer didn't want to repair it and it's a VW Polo too which are sought after, with only 9k ish miles.
Age doesn't matter for Cat-D purposes.

In April 2006 I purchased a 5 month old Fiat Panda 1.3 Diesel Multijet (the MOST sought after Panda), which had only done 1,280 miles from New.
New Cost = £7,790
My Cost = £3,800

The Damage = 1 x Front Alloy Wheel & Tyre was destroyed (kerbed) PLUS 1 x Driver's Airbag had deployed PLUS 1 x SMALL & LIGHT scratch on front underskirt/valance.

The Accident = Spoke to original purchaser, & found out that he'd bought it for his daughter as a 17th birthday pressie, and just Two Weeks later she had panicked and driven into a Highish Kerb at about 20-25mph.
... The daughter was then too terrified to drive again, & the dad got a full payout under his "New-For-Old" Policy (Hence the reason it was "Categorised" as "D=Beyong Economic Repair"), and the car had sat in the main dealers for 4.5 months.

Repair Cost = £50 for identical wheel & tyre from a scrapyard PLUS £120 for airbag replacement from a dealer PLUS £3 for a can of T-Cut to remove the scratch.

Total Cost = £3973 for an "as new" car costing nearly £8000

Result = Me & Son HAPPY ... And STILL using the car everyday.

BUT ... Make sure you are completely HAPPY with the car before purchase !!

Democracy is two wolves and a lamb voting on what to have for lunch.
Liberty is a well-armed lamb contesting the vote.

- Benjamin Franklin

Last edited by Gold_Shogun; 27-06-2007 at 1:42 AM.
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# 11
travel_freak
Old 27-06-2007, 8:50 AM
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Hi,

Thanks Gold Shogun - well done you! That sounds like a great buy. It's just a sign of our throwaway times I guess that we write off things that can be easily and, in your case, relatively cheaply repaired.

The dealer I emailed about the car yesterday replied but when (after reading advice from folks on here) I emailed again asking for further info. of the accident and whether the airbags had deployed he's gone strangely silent, so we'll see!!

Thanks for everyone's help.
Regards,
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# 12
dan0235
Old 25-03-2009, 6:09 AM
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Default bought a cat d car without knowing

hi there
i bought a car privately, i didn't do a hpi check (very stupid i know), i asked the seller if the car had ever been in an accident, he said no, but i have found out that this car was a cat d, do i have any sort of rights regarding returning this vehicle or do i have to just lump it and put it down to experience??
Thanks in advance
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# 13
LandyAndy
Old 05-06-2009, 4:42 PM
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Quote:
Originally Posted by steveburf View Post
In the past i have purchased several category d insurance loss vehicles.
My last car (a porsche) was a cat d. My current car (seat leon fr) is a cat d. I have been very happy with the prices i have paid for these vehicles as i would not have been able to afford them normally.
I now have a website that has cat d cars for sale.
xxxxxxxxx.co.uk
Rgds Steve B
But you aren't allowed to advertise it here so I've reported your post. Sorry.

Last edited by LandyAndy; 05-06-2009 at 4:51 PM.
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# 14
davidsparky
Old 29-07-2011, 6:33 PM
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Default cat d

Quote:
Originally Posted by travel_freak View Post
Hi,

I've seen a used car on Autotrader at what seems like a really good price but it is described as having been "repaired" and the repair being a "category D" repair.

I've never heard of this before - please could anyone give me a quick low down on what to look out for or is this too risky a venture for someone who is not a car expect?

Many thanks.
Regards,
I had same problem myself and after research discovered cat d is insurance write off which can be costly to insure and some insurance companies wont insure. You can save a couple of grand but will have trouble selling it though. If in doubt leave it alone or have it inspected by A.A OR R.A.C first. I recently looked at cat d BMW on autotrader but was another 330 extra to insure. CAT D INSURANCE WRITE OFF BUT REPAIRABLE. CHEAPER TO WRITE OFF THEN HAVE IT REPAIRED DUE TO CAR HIRE AND REPAIRS / STORAGE FEES ETC
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# 15
forgotmyname
Old 29-07-2011, 11:16 PM
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OP 4 years old.........
Punctuation, Spelling and Grammar will be used sparingly. Due to rising costs of inflation.

My contribution to MSE. Other contributions will only be used if they cost me nothing.

Due to me being a tight git.
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# 16
RexBanner
Old 04-12-2011, 11:57 AM
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Quote:
Originally Posted by Gold_Shogun View Post
Age doesn't matter for Cat-D purposes.

In April 2006 I purchased a 5 month old Fiat Panda 1.3 Diesel Multijet (the MOST sought after Panda), which had only done 1,280 miles from New.
New Cost = 7,790
My Cost = 3,800

The Damage = 1 x Front Alloy Wheel & Tyre was destroyed (kerbed) PLUS 1 x Driver's Airbag had deployed PLUS 1 x SMALL & LIGHT scratch on front underskirt/valance.

The Accident = Spoke to original purchaser, & found out that he'd bought it for his daughter as a 17th birthday pressie, and just Two Weeks later she had panicked and driven into a Highish Kerb at about 20-25mph.
... The daughter was then too terrified to drive again, & the dad got a full payout under his "New-For-Old" Policy (Hence the reason it was "Categorised" as "D=Beyong Economic Repair"), and the car had sat in the main dealers for 4.5 months.

Repair Cost = 50 for identical wheel & tyre from a scrapyard PLUS 120 for airbag replacement from a dealer PLUS 3 for a can of T-Cut to remove the scratch.

Total Cost = 3973 for an "as new" car costing nearly 8000

Result = Me & Son HAPPY ... And STILL using the car everyday.

BUT ... Make sure you are completely HAPPY with the car before purchase !!

My oxymoron-ometer just exploded!
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# 17
Apples2
Old 04-12-2011, 12:51 PM
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Quote:
Originally Posted by RexBanner View Post
My oxymoron-ometer just exploded!
As did the "drag up an old thread which had died" - Ometer.
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# 18
TrickyWicky
Old 04-12-2011, 1:41 PM
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Cat D isn't really much to worry about. Cat C you could raise your eye brows and ask the previous owner some questions.

I've had both. Cat D when some prat put a small dent in a front wing (cut us up and slammed on the brakes). It was literally a small dent and thats it. Cat C when I ran into a car on ice. The opponent was fine mine needed the front end to be rebuilt hence the insurers wrote it off as a Cat C. I rebuilt it and it was fine (new MOT to keep the insurers happy and a VIC check to be sure it was the car it claims it is).

I'd not even blink at a Cat D car if i bought it, Cat C I'd be cautious about as you've no way of knowing how well it was repaired. Cat D I'd just be grateful for a cheap car and wouldn't give it a second thought.
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# 19
boomerangguy
Old 22-06-2012, 10:21 AM
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Default Old Ford Fiesta

Have had my Ford Fiesta written off as uneconomic to repair.

The car is in good condition for age and is still driveable just cosmetic damage. Has a full MOT but guess this will have to be redone.

My question is is it worth me asking the insurer to keep the car what are my legal requirements to use the car again and likely costs?

Thanks

boomerangguy
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# 20
scotsman4th
Old 22-06-2012, 10:27 AM
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What category of write off is it? C or D
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