Cat D Cars & Insurance

[DorsetJasper]

I am just about to get my Landrover Discovery TD5 back from the body shop after a prang, repair and a Cat D certificate.

Does anyone know of any car insurance companies that will insure it.

I am with swift cover and they have refused to insure the vehicle as its now a Cat D.

Any help would be greatly appreciated

[inthedark]

Try Adrian Flux, they do all modded card so yours should count!

[DSPUK]

So did your insurance company cover the cost of repairs ? -- If so they must have known it would be a cat D and they didn't tell you they wouldn't insure you after.

 

Dave

Edited November 3, 2010 by DSPUK

[Blackbart]

Confused dot com ?

 

If the insurance company has repaired your car how is it now classed as cat D ?

 

A cat D is an uneconomical repair thus the car would have been declared a total loss and not repaired !

[DorsetJasper]

The insurance company have repaired the car but have since found out that the car was subject to a Cat D back in 2007.

I was unaware it was a Cat D when i bought the car earlier in the year from a private seller.

[guest1957]

I'd contact the seller and find out why you weren't made aware...

[DorsetJasper]

Ive tried that already, he said he was un aware that it had been a Cat D!

Im not worried wether its been a Cat D or not i just want to get it insured, you cant even see where the damage was in 2007 my insurance company have just put a new axle and drive shafts on so its ready to go back on the road i just need to find an insurance company.

[al4x]

I take it you've tried bunging the details on go compare and the likes and seeing if anyone will take it on a simple internet quote?

[DorsetJasper]

Ive put the reg plate into the likes of go compare and all the insurance companies offer a quote including swift cover who it is with at the moment. But im unsure if i take a new policy will they cover it if its involved in an accident

[al4x]

Yes assuming its had a reputable company repair it in the past, however they will use a lower value were it to be written off so you would get a smaller payout. Simple fact is they don't ask when you take the policy out and its not something you have to declare so personally I'd just do it online and not worry about it

[Guest gloker]

They will all insure it ,but its whether they will pay out in the event of a total loss. Had similar prob with a little fiat cinquecento quando quango thing the wife was bombing round in. Was a Cat D bargain. Bonnet catch failed at 85mph flicked up, hit windscreen, wife went into central reservation and then into lane one barrier. total write off.We were offered £300 by insurance company as it was a Cat D. (car worth about £2500) check with insurer first or failing that get an "agreed value policy " with someone like Adrian Flux. (No no claims, but cheap as chips.)

[Tam]

Shouldn't be a problem, unless the repair is not up to standard minimum they can pay out if it is written off is trade value

[bruno22rf]

I,ve always thought that as long as its been MOT,D since the accident then theres no problem-in the event of a loss claim, however, you might get less than the market value due to your cars history.Gloker-I,ve never heard of that happening before-surely 2 catches have to fail for the bonnet to lift?-one,s the cable operated unit thats operated from inside the car then theres the safty catch built into the chasis.

[jacksdad]

A total write off is NOT a Cat D ! a badly smashed car would be at least a C and maybe a B....

Cat D is as said, uneconomical repair, with no major damage, and don't generally make any difference to the insurance, just shop around, but remember the cars value will be about 30% less than before. Even the cost of lending the owner a hire car for a couple of weeks can result in it being cheaper to write a car off!

You can put the car through a VIC test to get the write off category removed, but its expensive and VERY strict, like a mega hard MOT !

Cat C is for moderately damaged cars, ie may have chassis damage but are still written off due to repair costs, these can be repaired and VIC tested (or you won't get a 'log book' for it )

Cat B means its a gonner but can be stripped for parts and cat A means its so mashed it goes straight into the crusher

[Tam]

A total write off is NOT a Cat D ! a badly smashed car would be at least a C and maybe a B....

Cat D is as said, uneconomical repair, with no major damage, and don't generally make any difference to the insurance, just shop around, but remember the cars value will be about 30% less than before. Even the cost of lending the owner a hire car for a couple of weeks can result in it being cheaper to write a car off!

You can put the car through a VIC test to get the write off category removed, but its expensive and VERY strict, like a mega hard MOT !

Cat C is for moderately damaged cars, ie may have chassis damage but are still written off due to repair costs, these can be repaired and VIC tested (or you won't get a 'log book' for it )

Cat B means its a gonner but can be stripped for parts and cat A means its so mashed it goes straight into the crusher

:lol:

[jacksdad]

http://www.dft.gov.uk/vosa/repository/07%20203a.pdf

 

What do you think the above means?

[Guest gloker]

I,ve always thought that as long as its been MOT,D since the accident then theres no problem-in the event of a loss claim, however, you might get less than the market value due to your cars history.Gloker-I,ve never heard of that happening before-surely 2 catches have to fail for the bonnet to lift?-one,s the cable operated unit thats operated from inside the car then theres the safty catch built into the chasis.

 

Do you think I just made this up then???

 

Google "fiat bonnet catch failure" There are thousands of hits. Recovery bloke told us he had seen a fair few on the same model car.

 

Wife was driving the car when the bonnet flipped up and smashed the windscreen. Insurance company told us the bonnet catch had failed after they had the vehicle inspected. The car was a Cat D after a light rear end shunt. (or so we were told.) After much arguing the toss we settled for £1500 less £200 excess. This was about 2003 mind.

[jacksdad]

Sorry I misread, the car was cat D due to an earlier bump

I did think the reply re. the bonnet catch was rather strange as well, are you sure the bonnet flew up ?

Then what about my link to Vic...clear as mud, don't you agree ?

[4eyes]

Sorry I misread, the car was cat D due to an earlier bump

I did think the reply re. the bonnet catch was rather strange as well, are you sure the bonnet flew up ?

Then what about my link to Vic...clear as mud, don't you agree ?

 

 

Bonnet catch failure is very commen! Fiat, as stated above. Renault recalled loads of the older shape clio for the same too.

 

I have even seen a 5 Series fail and that has two, two stage catches for the bonnet. The bonnet on that was so heavy the car was written off, it caved most of the roof at the front in buckling the A pillars.

 

But as for insuring a Cat D car; you should be OK with most mainstream companies, though as stated they will devalue your motor by circa 30%.

[shaun4860]

I had a Cat D write off....

 

never had a problem insuring it, but then again i never made a claim against it.

 

Went through 5 MOT's with me and and a couple with previous owner (guy that fixed it)

 

He is a friend who has his own car spray/repair business and let his wife and kids drive it around for a couple of years so it was safe.

 

shaun

[Tam]

VIC check only verifies the identity of the vehicle it does not even need to be repaired for a VIC check The log book will come back stamped with words to the effect "Category C total los & identity checked" Only cat C total losses qualify for a compulsory VIC check & even then not all are notified in MIAFTER update Commercial vehicles & motorcycles do not require VIC checks

 

Cat C = cost of repairs exceed pre accident value

Cat D = cost of repairs less than pre accident value but the Insurer decided not to repair

[DorsetJasper]

Thanks for all the advice gents

However the plot has changed and the chap who hit me his insurance company have just decided to make the vehicle a total loss!

So now ive got 7 days to find a replacement car.

So if anyone knows of any good TD5's for sale please let me know

[Blackbart]

This is all very wierd.

 

They find out your motor is a cat D from years back and then authorise the repairs anyway,the repairs are done and they now have to pay for these repairs regardless and then they write it off and have to pay you aswell ?Also what kind of accident did you have that required a new axle and driveshafts,cos you said that some bloke hit you !did he come out of a manhole or something ?

Edited November 6, 2010 by Blackbart

[HDAV]

Thanks for all the advice gents

However the plot has changed and the chap who hit me his insurance company have just decided to make the vehicle a total loss!

So now ive got 7 days to find a replacement car.

So if anyone knows of any good TD5's for sale please let me know

Worth more as parts after the payout to you than the cost to repair, you could buy it back and repair it yourself? check autotrader

[DorsetJasper]

Its had me confussed all week.

My insurance company told me two weeks ago that the car was being repaired.

Then they phoned me last week to enquire as to why i still had the loan car as mine had been repaired and been delivered back to me.

On friday the chap that hit me his insurance company phoned me to say it had been a total loss.

I phoned the garage where the car is and no repairs had been started.

I was total confussed by all of this and as a result they have now written the vehicle off. It sounds like a load of crossed wires with different insurance companies.

Regarding the accident the chap pulled out of a junction without looking and smacked me straight on the rear drivers side wheel popping the tyre bending the alloy and ********* the axle driveshafts and all the bits and pieces. Not a mark on the body as all the impact was on the wheel.