Cat D write-off?

rg47

I would aviod Cat C (see below) but Cat D can be just a boken head light, damaged wing and paint job which would cost more than a car a few years old is worth.
Categories Of Write-Off
An explanation of the categories of write-off are listed below:

Category A
A vehicle which should have been totally crushed, including all its spare parts.


Category B
A vehicle from which spare parts may be salvaged, but the bodyshell should have been crushed and the car should never return to the road.

Category C
An extensively damaged vehicle which the insurer has decided not to repair, but which could be repaired and returned to the road.

Category D
A damaged vehicle which the insurer has decided not to repair, but which could be repaired and returned to the road.

Category F
A vehicle damaged by fire, which the insurer has decided not to repair. Theft These vehicles have not been recovered and ownership rests with the insurer who made the total loss payment. They are able to repossess the car as soon as it is identified, even if it has been bought innocently.

s_b

rg47 wrote: »

I would aviod Cat C (see below) but Cat D can be just a boken head light, damaged wing and paint job which would cost more than a car a few years old is worth.
Categories Of Write-Off
An explanation of the categories of write-off are listed below:

Category A
A vehicle which should have been totally crushed, including all its spare parts.


Category B
A vehicle from which spare parts may be salvaged, but the bodyshell should have been crushed and the car should never return to the road.

Category C
An extensively damaged vehicle which the insurer has decided not to repair, but which could be repaired and returned to the road.

Category D
A damaged vehicle which the insurer has decided not to repair, but which could be repaired and returned to the road.

Category F
A vehicle damaged by fire, which the insurer has decided not to repair. Theft These vehicles have not been recovered and ownership rests with the insurer who made the total loss payment. They are able to repossess the car as soon as it is identified, even if it has been bought innocently.

the market is twisted out of recognition now due to greedy insurance companies moving the agreed abi goalposts so its quite likely a cat d was far worse than a cat c from a different assessor

colino

As s b says above, the game is a joke now. I've just viewed a 2008 low mileage Fiesta that has a cracked nearside headlight and a graze on the wing = Cat C!

littlevoice2372

Hi, I know this is an old thread but could really do with some advice regarding a Cat D car. I went to sell my car and after an hpi check by the potential buyer it showed as a Cat D. I have only ever had one accident in the car and believe this may be what's showing up. My queries are that:
1. The HPI showed damage in October 2010, when I called them they said the Insurance company had claimed a Cat D in March 2008!
2. At the time of the accident, someone went into the back of me, the damage was minimal and I was given a garage to go to by my insurance company who successfully made the claim from the party at fault (not me). I was NOT advised at the time that they were were logging the vehicle as a right off but repairable.
So my questions are -
1.Is it acceptable that the difference between the alleged claim and report to HPI is 2 years?
2.Should my insurance company have told me what they were doing?
It's currently being investigated by Experian who said they would need to call my insurance company to check a mistake was not made. I'd appreciate any advice as to what my rights are if it comes back as correct. Thanks.

colino

Did you own the car in 0308? If not, it may have had a previous accident you simply were'nt aware of.
Your second point I'm not sure what you expected the insurance company to do differently. You knew the car was damaged, it was repaired under a claim, so rightly that patch of its history, for future buyers, should be properly recorded.
If you have had the car the whole time though and it suffered only one collision then get on to your insurance company and get them to get the database changed to reflect the proper dates.

j0nnyboy69

Take it for a test drive/get a friendly mechanic to give it a once over.

I had a CAT D crash but managed to fix the car/find bumpers etc. It has run fine for the past 4 years since. +100,000 miles now.

Christophales

Hi all, any help would be useful, this one is similar to the others above with a couple of differences.
Looking to buy an 04 Polo with a quarter price reduction, which i assume is due to the trader knowing it to be a cat 4.
The car was declared as a cat 4 within 5 months of production, and has done 57k since then and has 12 months MOT. However the advert did not state cat d and I haven't been able to find out as yet what it was for. I have asked for the MOT number but they do not have service history. Insurers are giving me quotes in-line with what i would expect.
Car has had two owners, no thefts etc. I am planning on asking the seller whether it has write-off history. If they are able to tell me why and it seems ok when checked, am I likely to be alright in other's experience? What should I do if the seller denies the cat 4? (They must know, being a traders, right?)

parathesi

I have seen a car that I really like....Vauxhall Astra 1.6 Club, Manual 57 Plate...with 45,000 miles on the clock....
Really liked it when I saw it....this car sell on ebay just £ 2500 "recorded as a Cat D Insurance write-off on 14 Aug 2012"......Now im really confused because I really like the car......Any advice please?
Seller say car was excellent condition, nothing any wrong.

parathesi

I have seen a car that I really like....Vauxhall Astra 1.6 Club, Manual 57 Plate...with 45,000 miles on the clock....
Really liked it when I saw it....this car sell on ebay just £ 2500

"recorded as a Cat D Insurance write-off on 14 Aug 2012"......Now im really confused because I really like the car......Any advice please?
Seller say car was excellent condition, nothing any wrong. anyone reply please

arcon5

parathesi wrote: »

I have seen a car that I really like....Vauxhall Astra 1.6 Club, Manual 57 Plate...with 45,000 miles on the clock....
Really liked it when I saw it....this car sell on ebay just £ 2500 "recorded as a Cat D Insurance write-off on 14 Aug 2012"......Now im really confused because I really like the car......Any advice please?
Seller say car was excellent condition, nothing any wrong.

The seller's bound to say that. So although he could be correct, proceed with caution (as you would with any car, not just a Cat D car). Take it for a spin in the city, around a ring road to pick up speed, over some bumps, let it idle and basically listen for any odd noises/sounds. Then more..