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    • swindon87
    • By swindon87 7th Apr 18, 4:59 PM
    • 155Posts
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    swindon87
    Is it worth buying a CAT S Car? (formerly known as CAT C)
    • #1
    • 7th Apr 18, 4:59 PM
    Is it worth buying a CAT S Car? (formerly known as CAT C) 7th Apr 18 at 4:59 PM
    It's a March 2016 car. The price is 38% less than the original valuation price. I haven't noticed an increase in insurance, compared to non-write offs I have enquired about. I have done an Experian HPI check, there is no finance outstanding and everything has come back clear but the CAT S which, he did mention in the advert.

    The seller stated that the damage was to: the rear bumper area, one light, and a dent to the lower boot lid. He doesn't have full details of the incident or repairs, but can provide an invoice (I am questioning this) But I have asked the seller to bring the car to my mechanic to do a full vehicle check before committing to anything.

    I've read in this forum that buying a newer car that had been written off, means that the damage was high, which makes sense. I planned to keep the car for two years and sell it it on. I want to save money, but I don't want to put my life at risk. Any advice would be much appreciated please?

    Thanks!
Page 2
    • EdGasketTheSecond
    • By EdGasketTheSecond 8th Apr 18, 9:46 PM
    • 524 Posts
    • 293 Thanks
    EdGasketTheSecond
    If it wasn't worth the insurance company repairing it then how can the seller have repaired it and be selling it below book price and making a profit without cutting corners?
    • swindon87
    • By swindon87 8th Apr 18, 10:25 PM
    • 155 Posts
    • 4,670 Thanks
    swindon87
    If it wasn't worth the insurance company repairing it then how can the seller have repaired it and be selling it below book price and making a profit without cutting corners?
    Originally posted by EdGasketTheSecond
    Very good point. This is why I am questioning whether is was repaired properly, the more I think about it, the more I am put off. I wish car shopping was much simplier than this.
    • Svein Forkbeard
    • By Svein Forkbeard 8th Apr 18, 11:00 PM
    • 210 Posts
    • 608 Thanks
    Svein Forkbeard
    If it wasn't worth the insurance company repairing it then how can the seller have repaired it and be selling it below book price and making a profit without cutting corners?
    Originally posted by EdGasketTheSecond
    When you prang your car you expect them to put on new panels, OME new replacement parts and these can be very very expensive.

    Last major part I bought was a Fiat Panda front subframe. New price £600 secondhand £70 + delivery and it was good as new.

    If I buy one I will source second hand or pattern parts. I have a friend who owns a body shop and I get mates rates this normally means my job is done during slack time.

    So as a rough example a £5k job for the insurance company I will get done for £1k-£2k.

    So when I buy the car at auction the calculation I will do is roughly.

    Car value bottom ebay rounded up, subtract 35-50% (this is mood thing and how keen I am or how quickly I need the car). I will get a quote from my mate for the job and add 50% (he always underestimates the damage or there is more hidden damage). I will price in transporting the car from wherever and auction costs. So that gives what I can afford to pay

    So if the car is worth £10k (undamaged) I will hope to buy it repair it and have it on the road for hopefully under £5k.
    Hi, we’ve had to remove your signature. If you’re not sure why please read the forum rules or email the forum team if you’re still unsure - MSE ForumTeam
    • swindon87
    • By swindon87 8th Apr 18, 11:38 PM
    • 155 Posts
    • 4,670 Thanks
    swindon87
    When you prang your car you expect them to put on new panels, OME new replacement parts and these can be very very expensive.

    Last major part I bought was a Fiat Panda front subframe. New price £600 secondhand £70 + delivery and it was good as new.

    If I buy one I will source second hand or pattern parts. I have a friend who owns a body shop and I get mates rates this normally means my job is done during slack time.

    So as a rough example a £5k job for the insurance company I will get done for £1k-£2k.

    So when I buy the car at auction the calculation I will do is roughly.

    Car value bottom ebay rounded up, subtract 35-50% (this is mood thing and how keen I am or how quickly I need the car). I will get a quote from my mate for the job and add 50% (he always underestimates the damage or there is more hidden damage). I will price in transporting the car from wherever and auction costs. So that gives what I can afford to pay

    So if the car is worth £10k (undamaged) I will hope to buy it repair it and have it on the road for hopefully under £5k.
    Originally posted by Svein Forkbeard
    Ok, thanks for clarifying this. This is making a little more sense to me now. Definitely going to have a long think about it and see if I can get the car seen by a bodywork specialist, as I want to make sure everything has been done right as I don't want to have any issues later, that could have been avoided.

    It definitely sounds like a write off is a good to to save money, if it's done right and you plan to keep the car for years to come.
    Last edited by swindon87; 08-04-2018 at 11:45 PM.
    • Car 54
    • By Car 54 9th Apr 18, 8:49 AM
    • 2,839 Posts
    • 1,797 Thanks
    Car 54
    Very good point. This is why I am questioning whether is was repaired properly, the more I think about it, the more I am put off. I wish car shopping was much simplier than this.
    Originally posted by swindon87
    You're making it complicated by considering this car. There are millions out there which have not been written off.
    • motorguy
    • By motorguy 9th Apr 18, 9:42 AM
    • 16,446 Posts
    • 9,700 Thanks
    motorguy
    2 year old polo matches seem to be going for over £10k. So to write it off you're in that sort of region of damage.
    Originally posted by Herzlos
    Just for clarification, the insurance company take in to account the salvage value of the car when writing it off.

    So for example, if theres £6,000 of damage on a £10K car, however the car is worth £5,000 as salvage, then its cheaper to pay out £10K but recover £5K = £5K cost to them than pay out £6K to have it repaired.
    You are not special. You are not a beautiful and unique snowflake.
    • motorguy
    • By motorguy 9th Apr 18, 9:46 AM
    • 16,446 Posts
    • 9,700 Thanks
    motorguy
    If it wasn't worth the insurance company repairing it then how can the seller have repaired it and be selling it below book price and making a profit without cutting corners?
    Originally posted by EdGasketTheSecond
    Thats ultimately the bottom line. You're not going to repair it to "insurance" standard and then sell it on and make money.

    A friend of mine is a body man and he does it in his spare time. He'll put fillers in to panels that may otherwise have been replaced, use second hand parts instead of new ones where possible and if he has to buy new he'll aim to get motor factor / pattern parts instead of OEM parts.

    And he IS someone i'd trust to buy a car off because hes relatively conscientious. Imagine what corners will be being cut by a less scrupulous repairer.
    You are not special. You are not a beautiful and unique snowflake.
    • motorguy
    • By motorguy 9th Apr 18, 9:48 AM
    • 16,446 Posts
    • 9,700 Thanks
    motorguy
    Ok, thanks for clarifying this. This is making a little more sense to me now. Definitely going to have a long think about it and see if I can get the car seen by a bodywork specialist, as I want to make sure everything has been done right as I don't want to have any issues later, that could have been avoided.

    It definitely sounds like a write off is a good to to save money, if it's done right and you plan to keep the car for years to come.
    Originally posted by swindon87
    Thats the problem - you dont know and this car has had Structural damage - do you really want to take a risk with your and your families safety?
    You are not special. You are not a beautiful and unique snowflake.
    • Svein Forkbeard
    • By Svein Forkbeard 9th Apr 18, 2:22 PM
    • 210 Posts
    • 608 Thanks
    Svein Forkbeard
    Just for clarification, the insurance company take in to account the salvage value of the car when writing it off.

    So for example, if theres £6,000 of damage on a £10K car, however the car is worth £5,000 as salvage, then its cheaper to pay out £10K but recover £5K = £5K cost to them than pay out £6K to have it repaired.
    Originally posted by motorguy
    Just to expand on that answer you also have the problem of hidden damage and damage that does not become apparent until repairs are complete.

    My first salvage buy was all repaired ready to go and it became apparent that gearbox was goosed. Made it a relatively expensive repair and for insurance companies totally unacceptable.
    Hi, we’ve had to remove your signature. If you’re not sure why please read the forum rules or email the forum team if you’re still unsure - MSE ForumTeam
    • Svein Forkbeard
    • By Svein Forkbeard 9th Apr 18, 2:29 PM
    • 210 Posts
    • 608 Thanks
    Svein Forkbeard
    OP don't worry about the body work, it can look great and the car could still be a death trap. You are looking for damage to chassis legs etc that if not straight can be very dangerous and/or expensive.

    OP go on to Copart and start looking at photos. I saw one the other day (might have been ebay) and the description made it sound great but the last photo showed one of the back wheels at a 30 degree angle. Not in itself necessarily a problem but the photos and the description rang too many alarm bells.
    Hi, we’ve had to remove your signature. If you’re not sure why please read the forum rules or email the forum team if you’re still unsure - MSE ForumTeam
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