novice cushie shooter Posted March 24, 2013 Report Share Posted March 24, 2013 Has anyone ever bought one before and if so did you get it insured ok, looking for a new motor and fancy one but is a cat d repair, has valid mot but am still wary. Any help very much appriciated. Gordon Quote Link to comment Share on other sites More sharing options...
cockercas Posted March 24, 2013 Report Share Posted March 24, 2013 I had a cat C once. No problems getting insured. I think you get a certificate to prove its been repaird to a road legal level. Quote Link to comment Share on other sites More sharing options...
Paddy Galore! Posted March 24, 2013 Report Share Posted March 24, 2013 a cat d has probably had nothing more than a door or panels beaten out, my daughter had one as her first car, it'd had a minor knock to the door and wing, but because of the age and value it was written off, it was then repaired and sold on to her, this happens a lot on older cars. you should have no problems insuring but by all means check first with your insurer. Quote Link to comment Share on other sites More sharing options...
scobydog Posted March 24, 2013 Report Share Posted March 24, 2013 cat A, crush only. cat B, sell parts off it only. cat C, can repair, possible chassis damage, usually needs to be re jigged. cat D, can repair usually no chassis damage. cat F, fire damage. cat X, very minor damage, i.e. headlights broken. had cat d's before no problem told insurers no increase in premium, don't know if all insurers are same, good luck S Quote Link to comment Share on other sites More sharing options...
bigman Posted March 24, 2013 Report Share Posted March 24, 2013 Got a cat D currently and no problems with insurance they have never mentioned it Quote Link to comment Share on other sites More sharing options...
novice cushie shooter Posted March 24, 2013 Author Report Share Posted March 24, 2013 Am i right in saying you do have to notify your insurace company? Thanks for the advice guys Quote Link to comment Share on other sites More sharing options...
brett1985 Posted March 24, 2013 Report Share Posted March 24, 2013 Currently drivin a cat c that has been repaired. No probs with insurance and drives perfectly. Really does depend on the quality of the repair mind you..... Quote Link to comment Share on other sites More sharing options...
sishyplops Posted March 24, 2013 Report Share Posted March 24, 2013 If it has been cat anything insurance will already know about it Quote Link to comment Share on other sites More sharing options...
lineshooter Posted March 24, 2013 Report Share Posted March 24, 2013 We brought our car back from the insurance company as it was cat c, un economical to repair ( new bumpers front and rear ) we had to have a Vehicle Inspection Certificate, £50, done at a Dvla inspection centre. It just confirms vehicle is not a ringer, we had no probs re insuring it. Quote Link to comment Share on other sites More sharing options...
Jega Posted March 24, 2013 Report Share Posted March 24, 2013 Had a CAT "D" micra for about 4 years no problems whatsoever,insurance company didnt seem concerned. Quote Link to comment Share on other sites More sharing options...
goodo123 Posted March 25, 2013 Report Share Posted March 25, 2013 If it's a modern car where pre tensioners, air bags etc are deployed how can you tell if these have been replaced/repaired without actually testing them? I can't see dvla ripping off pillar, seat stearing wheel covers etc to check? It's a bit like buying a house without a surveyor? Might look structuraly sound to anyone else.... I'd say it's very much buyer beware, would be worth checking if they have any pics of the damage and receipts from repairs, unless they did it themselves. On a plus point tho my brother in law is a mechanic and has insurance cars in all the time,due to them usually having to use original parts rather than oem they are very often cat d'd. Makes sense when you compare manuf prices to other suppliers. Quote Link to comment Share on other sites More sharing options...
kent Posted March 25, 2013 Report Share Posted March 25, 2013 Got a new car returned when I worked for a main dealer the red on the side was different under the street lights. Get this it fell off the production line being made we later found out and was repaired. We are talking a big world manufacturer now not a tin pot one. does anyone realise what can and regularly does happen to brand new cars before they are sold, in transportation, showroom and compound not to mention being PDI in the workshop (give you a tip check your doors especially in the case of two / three door cars) Quote Link to comment Share on other sites More sharing options...
00buck Posted March 26, 2013 Report Share Posted March 26, 2013 I had a Toyota hilux m6 that was a. C or D had it for 5 years great motor It was 2 years old when I got it When I did a px on it I lost loads of cash on it as it was a C or D Quote Link to comment Share on other sites More sharing options...
andypaint Posted March 29, 2013 Report Share Posted March 29, 2013 I had a cat d. It had just had its leather interior stolen. But as insurance had to replace with new it worked out to dear. So I went to scrappy and put in a interior and job done. Quote Link to comment Share on other sites More sharing options...
V8 90 Posted March 29, 2013 Report Share Posted March 29, 2013 What you will find with "Total loss" insurance claims in all the CAT's is that insurance companies generally will not pay out on them a second time - i.e. if you buy a CAT D (total loss) repair it, insure it etc all totaly legal etc & either it gets nicked or wrecked your insurance company will be very very reluctant to pay you any money as its already a total loss vehicle. Quote Link to comment Share on other sites More sharing options...
sevy Posted March 30, 2013 Report Share Posted March 30, 2013 nothing wrong with a cat D at all , just get a quote from ins first check there are going to be no nasty surprises Quote Link to comment Share on other sites More sharing options...
Tam Posted March 30, 2013 Report Share Posted March 30, 2013 What you will find with "Total loss" insurance claims in all the CAT's is that insurance companies generally will not pay out on them a second time - i.e. if you buy a CAT D (total loss) repair it, insure it etc all totaly legal etc & either it gets nicked or wrecked your insurance company will be very very reluctant to pay you any money as its already a total loss vehicle. The Insurance company will already know when you go to insure it - if it has been repaired properly the minimum they can pay out is trade Buy it at thr right price bearing this in mind Quote Link to comment Share on other sites More sharing options...
neil w Posted March 30, 2013 Report Share Posted March 30, 2013 AS said in above posts insurance knows it has been a total loss, BUT they should pay out the normal value of the vehicle regardless !! If you are in the motor trade they will give you motor trade prices .. Quote Link to comment Share on other sites More sharing options...
V8 90 Posted March 30, 2013 Report Share Posted March 30, 2013 My buddy's car got nicked & torched by scum bags - when he put his claimed in his insurance they told him it had been a total before & therefore had no value & refused to pay out ! Perhaps they ripped him off !! Quote Link to comment Share on other sites More sharing options...
neil w Posted March 30, 2013 Report Share Posted March 30, 2013 What you will find with "Total loss" insurance claims in all the CAT's is that insurance companies generally will not pay out on them a second time - i.e. if you buy a CAT D (total loss) repair it, insure it etc all totaly legal etc & either it gets nicked or wrecked your insurance company will be very very reluctant to pay you any money as its already a total loss vehicle.Very misleading , myself and my brother and staff repair salvage cars and commercials . To be sold on to our customers , we have been trading for 15 years . and have had several customers that HAVE smashed their cars or vans . That have been purchased from our company Cat c and d . with no issues whatsoever regarding insurance repairs or payouts Quote Link to comment Share on other sites More sharing options...
V8 90 Posted March 31, 2013 Report Share Posted March 31, 2013 Sounds like my bud got ripped off by his Insurance Co then ! Sorry if my input has misled anyone !!! Quote Link to comment Share on other sites More sharing options...
ostrea Posted March 31, 2013 Report Share Posted March 31, 2013 Bought a cat D for my son 5 years ago when he was learning to drive no problem with insurance but by law we had to tell anyone that bought the car from us that it was a cat D. Quote Link to comment Share on other sites More sharing options...
Tam Posted March 31, 2013 Report Share Posted March 31, 2013 Bought a cat D for my son 5 years ago when he was learning to drive no problem with insurance but by law we had to tell anyone that bought the car from us that it was a cat D. :no: :no: Quote Link to comment Share on other sites More sharing options...
M.I.A Posted March 31, 2013 Report Share Posted March 31, 2013 It will all depend on the insurer, you must disclose it to them as if you don't and you have to claim they wont pay a penny (generally) for each car put back on the road be it a cat d or c they will reduce the market value that they would pay out in the event of a total loss by a percentage, D usually around 25% less and C 40% less again this will vary and as has been mentioned some may not pay out at all. Quote Link to comment Share on other sites More sharing options...
neil w Posted March 31, 2013 Report Share Posted March 31, 2013 (edited) It will all depend on the insurer, you must disclose it to them as if you don't and you have to claim they wont pay a penny (generally) for each car put back on the road be it a cat d or c they will reduce the market value that they would pay out in the event of a total loss by a percentage, D usually around 25% less and C 40% less again this will vary and as has been mentioned some may not pay out at all.An insurance company knows straight away if it has been a previous total loss when you give them a registration number of vehicle . Edited March 31, 2013 by neil w Quote Link to comment Share on other sites More sharing options...
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