Bought a cat c car, didn't know, Insurance?

bb169

artbaron wrote: »

A cat C will drastically reduce the value of the car. Modifications will not offset this as mods very rarely add value. In fact, mostly they reduce value too.

I know mods do not add value but my thought was the car cost £1500. We should have maybe paid £1000 (or less) however if we bought the modifications that are already on the vehicle (some of which we would have done if the car had been standard) this would have cost upto £500 taking the car upto the price we paid.

I know we have been probably been ripped off, and I want to cry to be honest however all research says the seller did not have to tell me unless I asked, which I didn't.

I have asked now, and she is denying all knowledge however I suspect she is lying as I have found that the vehicle she is driving around in now was a previous cat D write off which has been fixed & put back on the road.

Clioterus

bb169 wrote: »

I know mods do not add value but my thought was the car cost £1500. We should have maybe paid £1000 (or less) however if we bought the modifications that are already on the vehicle (some of which we would have done if the car had been standard) this would have cost upto £500 taking the car upto the price we paid.

I know we have been probably been ripped off, and I want to cry to be honest however all research says the seller did not have to tell me unless I asked, which I didn't.

I have asked now, and she is denying all knowledge however I suspect she is lying as I have found that the vehicle she is driving around in now was a previous cat D write off which has been fixed & put back on the road.

If you're happy with the car I wouldn't be too concerned with the fact it has history, if you keep it a year or two and only get £500 for it you've not lost a fortune. I always state in the ad that the car has been accident repaired when I sell it on, it saves on any hassle and the buyer knows what they are getting, sadly some people are lacking in decency. Don't get upset about its not worth it put it down as a lesson learnt.

bb169

Clioterus wrote: »

If you're happy with the car I wouldn't be too concerned with the fact it has history, if you keep it a year or two and only get £500 for it you've not lost a fortune. I always state in the ad that the car has been accident repaired when I sell it on, it saves on any hassle and the buyer knows what they are getting, sadly some people are lacking in decency. Don't get upset about its not worth it put it down as a lesson learnt.

Thanks for the advice and comments, If I had been told I may have been ok about it. I think this, along with the fact it has became apparent that it needs a new clutch has made me slightly more annoyed about the whole situation!

rev_henry

bb169 wrote: »

£1500 is what we paid. We are going to get him to give it a good check over anyway for piece of mind :-)



All modifications declared

The insurer is Equity Red Star if that makes a difference.

I'm sure dacouch will know immediately if the cat c will cause a problem or not with that particular insurer...

mattyprice4004

bb169 wrote: »

Thanks for the advice and comments, If I had been told I may have been ok about it. I think this, along with the fact it has became apparent that it needs a new clutch has made me slightly more annoyed about the whole situation!

Any £1500 car could need a clutch though, it's not really relevant to the situation. It's one of the bigger 'risk' jobs on any 2nd hand car purchase, you risk the need for a clutch at some point.

vaio

bb169 wrote: »

.......all research says the seller did not have to tell me unless I asked, which I didn't........

What you say applies to private sellers, dealers do need to tell you whether you ask or not

bb169

mattyprice4004 wrote: »

Any £1500 car could need a clutch though, it's not really relevant to the situation. It's one of the bigger 'risk' jobs on any 2nd hand car purchase, you risk the need for a clutch at some point.

This is very true.

vaio wrote: »

What you say applies to private sellers, dealers do need to tell you whether you ask or not

Yes I had seen this, unfortunately it was a private sale.

I know to be extra careful in the future, even when it comes to people you know.

colino

Privateers, unless asked directly, do not have to declare anything about the provenance of the car they are selling. Professional traders have to declare everything material to the buying decision, asked or not - fact.
On insurance, look forward to revised annual forms. As of this month insurers offering consumer insurance (including car) have to ask and ask every year, questions that they think are material to the policy. In this case if they didn't ask if it was a write off or its status on the register, a private keeper didn't have to volunteer that information.

vaio

but the few companies who don't cover previously written off cars have it in their "general assumptions" bit rather then as a specific question. Is that going to change under the new rules?

jobdone1

does any one have a list of insurance companies that do not insure a car write off ????????????