damage & repaired car insuarnce

sut1576

hi,



i am thinking of buying a car that has previously been involved in a crash and has been repaired and put back on the road. was a cat s.


can you tell me if i buy this car will the insurance be more expensive?



will it be harder to get the car insured?



i have never brought a damage repaired before so have no clue. if you have any other info that you think might help please do let me know.


thank you for any help

anthony

forgotmyname

Get quotes and find out.


Other info, do you have the knowledge and skill to inspect the repaired vehicle?

facade

Cat S means the car suffered structural damage, which was deemed repairable.
If it was done properly, and the car is cheap enough, it could be a good buy, but tbh, having seen the sort of prices that salvaged cars seem to fetch, and knowing that the repairer is making a good profit, I'd want want the car fully inspected, before I bought it.


(when I was looking at "light frontal" cars a while ago, I couldn't even buy the parts second hand and get them painted for the difference between what the cars would be worth and the salvage prices- and that was without factoring in any work or "hidden" problems)

Aretnap

Very few insurers even ask if the car has been previously written off, so it will likely make little or no difference to your premium. A small number of insurers do ask the question or mention it in their assumptions - so read these carefully when buying a policy. Otherwise the only difference it makes to insurance is that if the car were to be written off again, your payout would be reduced to reflect the fact that the cat S marker reduced its value (and presumably the price you will pay for it in the first place).


As above you DO want to be confident that the repairs have been carried out properly - but that's for your own safety rather than anything to do with insurance.

sut1576

thank you for the info guys, you was a great help.

and yes if i do buy a damaged repaired car i would pay for a AA inspection on the car prior to purchase,



thanks

anthony