Cat D write-off?

cyclonebri1

200888 wrote: »

I know this is off-topic but anyone else notice how many times this thread has been revivied? its 4 years old!

You made it 4, I've made it 5 ;)

fhonejacker

people forget that a d -cat can be a car that was crashed and repaired and the owner dose not want the car back. i brought a 911 996 turbo,,, on a d -cat. it was in a crash , and fixed , but the owner did not want the car back. he went to court and won the case ,, he said why sould i have a car that's been crashed repaired when it was not my fault.. fair play and i make him right , i got the car really cheap and the car is as good a new and befor a got the car i got it looked over by a specalist and he could not find one thing wrong with the car..i know of people that have brought car not on the d or c- cat list, and find out its been cut and shut or a por repair,, ya by a d-cat at lest you know and can make the nesseray checks,, im well happy with my car it looks and drives good.

Kilty_2

It's all !!!!!!!! really when you can buy so many unrecorded cars from salvage firms.

GemJar_2

Be careful! My housemate bought a car that was previously Cat D without knowing- we had a HPi check done but he switched round the last two letters of the reg by accident and didn't notice (idiot) anyway somebody pulled out on him 45 minutes after he bought it and totally wrote it off again. The insurance company obviously found out it was previously Cat D and didn't want to know, which is understandable. Point of this is that you need to triple check your insurance and make sure they know its cat d and that they're still happy to insure it.

vaio

GemJar wrote: »

Be careful! My housemate bought a car that was previously Cat D without knowing- we had a HPi check done but he switched round the last two letters of the reg by accident and didn't notice (idiot) anyway somebody pulled out on him 45 minutes after he bought it and totally wrote it off again. The insurance company obviously found out it was previously Cat D and didn't want to know, which is understandable……….

. They can’t refuse to pay out on an innocently purchased cat D, and they should pay whatever he paid for it.

He should complain to the insurance company and take it to the FOS if they don’t pay.

GemJar wrote: »

…..Point of this is that you need to triple check your insurance and make sure they know its cat d and that they're still happy to insure it.

If insurance companies are concerned about any aspect of insuring a car they need to ask “clear and unambiguous” questions, they can no longer rely on the “you must disclose all material facts” statement. So, if they don’t ask it’s because they don’t care and you don’t need to tell them.

If they do ask and you tell lies you might be in trouble but if you answer honestly (even if you are wrong) your insurance will still be valid

vaio

GemJar wrote: »

.....Hi, it clearly stated on the insurance website that they do not cover Cat D cars, as he didn't know it was Cat D and was (honestly) never told of it until the insurance company told him he thought his insurance was fine, even going as far as to show the police the insurance documents he'd printed from the computer less than an hour before when they showed up to the accident. Do you think we have a case here? Thanks so much for your help, this really might be a light at the end of what has been a very dark tunnel!

Yep, have a read of http://www.financial-ombudsman.org.uk/publications/technical_notes/motor-valuation.html points 9 & 14 in particular

Also http://www.financial-ombudsman.org.uk/publications/ombudsman-news/27/27-ins-nondisclosure.htm is very clear that innocent non-disclosure doesn’t allow the insurance company to avoid a claim together with the possibly self evident nugget that there can be no duty to disclose something you are not aware of.

I pretty sure I’ve seen a ruling on circumstances very similar to those you’ve outlined so as I said above, complain to the insurance company and if they won’t pay out refer it to the FOS.

rdj_2

Hello there!

To revive the thread again then back on topic

I was recently hit (slowly reversed into in a car park and pushed into another car) and my car, after being assessed has been classed as a total loss - so I'm getting a payout and my car back (repair cost was quoted as around double the value of the car)

My car I'm told is still totally roadworthy, it's just had damage to both rear wings and doors. Still drives fine and the electric windows still work surprisingly!

As it's not a write off, is this still categorised as a cat d? It's only cosmetic damage to the car (but I can't continue to use it as it looks a mess). The assessor said no checks were required and it was all ok to drive. If I were to sell this on I don't need any tests done as it was just body damage to the car? Will this incident be recorded on the cars history?

I wasn't sure if this was still categorised as a cat d write off even though the car is still on the road... :huh:

property.advert

I saw a Fiesta, cat D, and it was supposed to have had some damage to the passenger side in a scrape along accident which creased the metal. OK, so some cosmetic work and maybe even a new door but hardly a killer punch.

I backed out. To be honest I wasn't ready to buy just then but I was attracted by the price. However, I was out of my comfort zone.

So how can I get the confidence to follow through on a Cat D where the saving is worth the hassle ?

I'd say before and after pictures and previous driver details but I don't know ? What do you advise ?

thirteendead

im in the same situation....can anyone advise me on this??? ive seen a really nice pt cruiser at a showroom in blackwood. ive checked on my ipod app mycarcheck telling me that its a cat D write off and its had a plate change.....the plates aint personalised and starts RL51...

the car itself although ive only seen it on the web looks amazing and in great condition outside and in.....


should i stay clear???

thanks

fb3333

ive also just seen a cat d bike, and just rang adrianflux insurance to ask advice.

they have confirmed there is nothing to worry about, and it will not have any impact on my policy at all, including a normal payout (not reduced) if anything was to happen.
:T:T