Is there a way to find out future insurance cost for a salvage car?

shuo23

Hi,
Thanks for clicking in.
My car's catalytic converter was stolen recently and my insurance company declared a write off and offered me £4000. If I want to keep the car, I get £3000, i.e. 25% reduction, and the car will be marked as Cat. S.
I asked a private garage who said my car is repairable. I'm really tempted to keep my car, but was trying to find out how much more insurance I need pay in the future but had no luck.
I wondered if there's a way to find out how much insurance it would cost or if anyone could advise roughly how much % increase I should be expecting?
Thank you very much!

Sandtree

The fact you'll never see the question "has your car ever been written off" on any quote system gives you a clue as to its impact. 

There will be no impact to your premiums however cars with a write off in the past are less valuable and so a future total loss would be a lower settlement to reflect that.

AdrianC

They wrote a £4k car off as Cat S, structurally damaged, just for a cat theft...? That sounds unusual. Are you sure there wasn't other damage done?

I'd be surprised if there was much of an insurance hike - the value will be less for any future payout, and the categorisation of the car shouldn't affect the future risk any more than the previous claim history has already done.

angrycrow

There could be angle grinder damage to the floor pan from when the theives cut through the exhaust. They don't care what damage they do getting the cat off.