Category C insurance writeoff

cornwalltigger

Hi, my car has just been written off and I've been told its a category 'c'. It been pretty unreliable and expensive to fix lately, so I was planning to change it soon anyway. My question is, once the garage return the car to me, what is the best way (ie what will get me the most money) to get rid of it? Are there any websites who will buy it off me in order to repair it? Should I just ring around local garages?

Thanks for any advice you're kind enough to give.

Sharon

Hintza

You shouldn't be getting it back the insurer will dispose of it. It is now their property (assuming you have been paid out) .

23rdian

Depends if they have a buy back option, some do e.g. Admiral. Can be worth buying it back sometimes but you don't have to.

jase1

Indeed, but the point is that the default position is that you don't get the car back.

My dad's old Cavalier was stolen and written off, and marked as a Cat-C because it was essentially worthless. My dad bought it back from them for a nominal sum (after being given £700 back), replaced the door and ignition barrel with scrapyard parts, put it back on the road and spent the change on getting it back to top-top condition.

But there would have been nothing stopping him from leaving the car in the pound.

cornwalltigger

Hi, the insurer is Endsleigh (not my insurer, the insurer of the lady who wrote my car off) and they've said the retail value of the car is £1990. But its worth £260 in salvage, so they're sending me a cheque for £1990 - £260, ie £1730, and sending the car back to me even though its not road legal? I don't really want the car back, I'd rather have the extra £260!! Can I go back to Endsleigh and ask for this instead?

vaio

cornwalltigger wrote: »

Hi, the insurer is Endsleigh (not my insurer, the insurer of the lady who wrote my car off) and they've said the retail value of the car is £1990. But its worth £260 in salvage, so they're sending me a cheque for £1990 - £260, ie £1730, and sending the car back to me even though its not road legal? I don't really want the car back, I'd rather have the extra £260!! Can I go back to Endsleigh and ask for this instead?

yep..........

Hintza

Cheeky beggars, never heard of this one before.

Lum

Your car is basically a pile of sharp rusty scrap metal. I'd be telling them exactly where they can shove it.

DO NOT CASH THAT CHEQUE as that will be seen as accepting their offer.

colino

Is your car a wreck? Many cars are tagged C or D because of the repair costs + hire cars etc. Apart from going through an ID check, you might find the car isn't too bad. Have it checked over by your friendly, local independent.

jase1

I would tend to agree Lum -- for a £2000 car to be sold by an insurer to an individual for £300 screams wreck.

At that price it's not worth fixing unless the only damage is a couple of battered panels -- in which case it'd have been marked up as a Cat-D and they'd have been after probably £700-1000 for it. I believe the only Cat-C cars that aren't basically piles of metal are the ones that were worth very little in the first place due to age.

I wouldn't buy a repaired Cat-C, although I'd be happy with a Cat-D if cheap enough. I certainly wouldn't be trying to fix it as a non-mechanic, so it's cheeky in the extreme to expect you to without discussing it first.

madderz

cornwalltigger wrote: »

Hi, the insurer is Endsleigh (not my insurer, the insurer of the lady who wrote my car off) and they've said the retail value of the car is £1990. But its worth £260 in salvage, so they're sending me a cheque for £1990 - £260, ie £1730, and sending the car back to me even though its not road legal? I don't really want the car back, I'd rather have the extra £260!! Can I go back to Endsleigh and ask for this instead?

This has just happen to me too , Zurich want to write my car off (a bmw 330d) . They have valued it at 8.4 but want to send me a cheque - 2.7 and the car back .
I have said i dont want a cat d car and could they just send me the full amount .They said no they dont do that as they dont deal with salvage !?!
is this right ? dont they have to own my car to cat d it?

if i do decide to keep and repair can anyone suggest an insurance company as mine (swift) just told me they dont insure cat d cars .

thanks in advance..