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category c car??

jarralad86 Avatar
6y, 1m agoPosted 6 years, 1 month ago
What exactly does it mean and what differance does it make to insurance etc???

Is it worth a risk for a good price?

Currently checking a car out which has previously been a cat c but now fully repaired.

Rep will be given for helpful replies, thanks.
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jarralad86 Avatar
6y, 1m agoPosted 6 years, 1 month ago
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#1
Do you know what effect it has on insurance? Does it cost more to insure a car that was previously a cat c?

whatsThePoint
Means its had an accident but insurance company didn't think it was worth their money to repair, but that doesn't stop someone else repairing it cheaperOnce repaired worth about 3/4 of an undamaged cars value
#2
Your better off getting a cat d rather than a cat c ...
Groups B and C mean that the vehicle has been heavily damaged and the insurance company has chosen not to go ahead with the repairs, although group C is usually salvageable if the repairs are carried out correctly.
Category D is the least serious of the five registered levels of damage. The groups range from A to F, A being the worst, suggesting that the vehicle is so damaged that it cannot even be used for salvage and should be crushed.

Until the vehicle has been inspected there is no guarantee that it has not suffered chassis damage. Your best option is to invest in a full mechanical inspection at an approved dealership, or by RAC Inspections.

Also, make sure you alert your insurance company to the fact that the car has previously been damaged before you insure it. They may not pay up for a claim if they are unaware of this.


Edited By: *katie* on Oct 25, 2010 21:34: .
#3
Rep will be given for helpful replies, thanks.


X)

My brother bought a Cat D, never had a single problem with it in the 4 years (clutch changed at one point but that is normal wear and tear for a Pug 206)

Edited By: gd_miester on Oct 25, 2010 21:35: added
#4
Category A: Scrap only (i.e. with few or no economically salvageable parts and which is of value only for scrap metal
Category B: Break for spare parts if economically viable (excluding any residual scrap value)
Category C: Repairable total loss vehicles where repair costs including VAT exceed the vehicle's pre-accident value
Category D: Repairable total loss vehicle where repair costs including VAT do not exceed the vehicle's pre-accident value

Do a hpi check to make sure there is no outstanding finance on the vehicle. How much are you saving on this vehicle?
#5
Also when you sell it later dealers won't touch it.
#6
Safety is the main concern with accident damaged vehicles, if a further collision happens then the vehicle could disintegrate, there are over 4 million vehicle currently taxed and on our roads that are regarded as a total loss so check it out first - this can be done for as little as £3.95 by visiting mycarcheck.com and you will receive the data instantly.
banned#7
Cat c requires a vosa check Before it can be put back on the road. But thats not a deal breaker unless you want it to be
#8
A cat D could be as small as loosing the car key!!! Totally different to a cat c
banned#9
j4nth
Category A: Scrap only (i.e. with few or no economically salvageable parts and which is of value only for scrap metal
Category B: Break for spare parts if economically viable (excluding any residual scrap value)
Category C: Repairable total loss vehicles where repair costs including VAT exceed the vehicle's pre-accident value
Category D: Repairable total loss vehicle where repair costs including VAT do not exceed the vehicle's pre-accident value

Do a hpi check to make sure there is no outstanding finance on the vehicle. How much are you saving on this vehicle?


To be clear - whether they are economically salvageable or not, you can't take anything off s cat a anyway
#10
He ain't going to buy a cat A car anyway so add something that will help mr Perfect
#11
Yeah suppose your right. :-p
banned#12
What about all the cars that are involved in accidents & not recorded they estimate that it's as high as 1 in 4.

I've had loads of cat c & d's if you don't know what your looking at get a aa inspection
Job done
#13
Fifth gear did a project on it once. They crashed two focus's head on a 30mph. They were both legally on the road but one was a cat write off but had been repaired. It had 2x mot's and was all good to go.

In the crash it faired twice as bad as the none write off car. The chassis crumpled far too early and wasnt as strong as the other car.

Some medic said the non cat car would be minor injuries, the cat car would be serious injuries.
banned#14
j4nth
He ain't going to buy a cat A car anyway so add something that will help mr Perfect


I wasn't saying you were incorrect - I was simply clarifying. Having said that its pretty clear you are a bell end of the highest order who can't bare to be seen as anything but the macdaddio. What a shame.

No hate.
#15
vibeone
j4nth
He ain't going to buy a cat A car anyway so add something that will help mr Perfect


I wasn't saying you were incorrect - I was simply clarifying. Having said that its pretty clear you are a bell end of the highest order who can't bare to be seen as anything but the macdaddio. What a shame.

No hate.


Both of you shush... I believe I answered ops question fully anyway :p
#16
I'll give ya that one since your fit ;-)
banned#17
whatsThePoint
j4nth
Fifth gear did a project on it once. They crashed two focus's head on a 30mph. They were both legally on the road but one was a cat write off but had been repaired. It had 2x mot's and was all good to go.In the crash it faired twice as bad as the none write off car. The chassis crumpled far too early and wasnt as strong as the other car.Some medic said the non cat car would be minor injuries, the cat car would be serious injuries.


So the lesson is don't buy a cat write off focus if you plan on crashing head on into another focus


Don't question him - he'll start crying again.

Katie: yeah... You did actually :p. You get through enough cars tho :p hehe

Edited By: vibeone on Oct 25, 2010 22:03: Vfcc
#18
whatsThePoint
*katie*
vibeone
j4nth
He ain't going to buy a cat A car anyway so add something that will help mr Perfect
I wasn't saying you were incorrect - I was simply clarifying. Having said that its pretty clear you are a bell end of the highest order who can't bare to be seen as anything but the macdaddio. What a shame.No hate.
Both of you shush... I believe I answered ops question fully anyway :p


you answered it wrong, a cat B isn't going back on the road either, can only be used for spares


Who said it was?
#19
j4nth
I'll give ya that one since your fit ;-)


Thank you my love :)
banned#20
.
vibeone
Cat c requires a vosa check Before it can be put back on the road. But thats not a deal breaker unless you want it to be

The vosa check doesn't inspect the damage has been repaired properly all they do is an ID check to see if it is still the same car as the write off on the register.

Edited By: slamdunkin on Oct 25, 2010 22:04: .
banned#21
slamdunkin
The vosa check doesn't inspect the damage has been repaired properly all they do is an ID check to see if it is still the same car as the write off on the register.
vibeone
Cat c requires a vosa check Before it can be put back on the road. But thats not a deal breaker unless you want it to be


The vosa check doesn't inspect the damage has been repaired properly all they do is an ID check to see if it is still the same car as the write off on the register.


I didn't know what the check did in truth, so thanks
banned#22
It really does depend on the value of the car in question...if it's a car that is worth 5k then it's had an awful lot of damage to have not been economical for the insurer to repair. If it's a £1500 car a rear bumper and tailgate will be enough for them to write it off in most cases as they factor in the labour and car hire as well as the parts. Then curbside autos buy it as salvage get parts from scrappy or ebay for £200-300 in the same colour where possible and sell for profit.

actually....even a 5k m3 that has been stolen and had the leather interior, door cards, wing mirrors and body kit stripped will be written off...then curbside autos buy and nick another and replace parts and the cycle starts again.

Edited By: slamdunkin on Oct 25, 2010 22:17: .
#23
The car is an 02 plate ford fiesta, which is up for £850.00. The seller claims it has had new wing fitted due to a `minor` bump it has had.
#24
jarralad86
The car is an 02 plate ford fiesta, which is up for £850.00. The seller claims it has had new wing fitted due to a `minor` bump it has had.


The seller is lying, it would of been more than a 'minor' bump to be a cat c, if you really want it get a full RAC check
banned#25
He may not be lying if the airbag went off that would bump the repair bill up. The body shops insurers use are quite expensive and they don't just do a blow over spray job they use a low bake oven to cure the paint properly.
#26
slamdunkin
He may not be lying if the airbag went off that would bump the repair bill up. The body shops insurers use are quite expensive and they don't just do a blow over spray job they use a low bake oven to cure the paint properly.


A category C is a write off, not just a new wing, either with your suggestion or mine, the seller never stated airbag deployed, therefore a liar...
I wouldn't purchase a car from somebody who isn't saying the truth but each to their own
banned#27
A cat c is written off because it's uneconomical for them to repair....and hers a bit of info for you...99% of car traders lie as do most sales people.

What Jarr needs to do is Ring the last owner on the logbook and ask them what the damage was if satisfied that it was minner...take a knowledgeable person with them to check the car over thoroughly including scrapping chassis numbers to see they are genuine, ring their insurer for a quote giving licence plate of car. go to the vosa website and check when the last MOT was done and read the advisory notes and HPi the car. .
#28
slamdunkin
A cat c is written off because it's uneconomical for them to repair....and hers a bit of info for you...99% of car traders lie as do most sales people.

What Jarr needs to do is Ring the last owner on the logbook and ask them what the damage was if satisfied that it was minner...take a knowledgeable person with them to check the car over thoroughly including scrapping chassis numbers to see they are genuine, ring their insurer for a quote giving licence plate of car. go to the vosa website and check when the last MOT was done and read the advisory notes and HPi the car. .


All sounds good... however, whats the point in ringing the previous seller if the current seller did the damage...
And 99% is slightly OTT... also they are very much better off getting a full car inspection to see if the car was repaired correctly and to see if the chassis was damaged or not rather than bringing a ' knowledgeable person'


Edited By: *katie* on Oct 25, 2010 22:45: .
banned#29
jarralad86 where did you see the car advertised?

Have you googled the sellers phone number or name to see what comes up.
banned#30
If the current seller did the damage ask to see the receipts for the work and his insurers name.
banned#31
whats the engine size and specifacation/trim and millage of the car?
#32
slamdunkin
If the current seller did the damage ask to see the receipts for the work and his insurers name.


Agreed.
#33
I've had a Cat D in the past, but I would never buy another, you just don't know the extent of the damage.

I wouldn't go anywhere near a Cat C, no matter how cheap it was.

Have a look through Google Images at examples of Cat C cars before they were "fixed".
banned#34
ChrisUK
I've had a Cat D in the past, but I would never buy another, you just don't know the extent of the damage.

I wouldn't go anywhere near a Cat C, no matter how cheap it was.

Have a look through Google Images at examples of Cat C cars before they were "fixed".


Its personal preference. Id never ever buy someone elses cat c - but if you do the repairs yourself and know what you're doing you csn get some really bargains, and you have the confidence in knowing you've done the job properly.
#37
vibeone
Its personal preference. Id never ever buy someone elses cat c - but if you do the repairs yourself and know what you're doing you csn get some really bargains, and you have the confidence in knowing you've done the job properly.

This, if they buy to sell on they do quick jobs but if your own it gets done right!!!
#38
It's advertised on ebay, it is a ford fiesta flight on an 02 reg, 55,000 miles,

Apparently he has all the docs for the repair.

Googled his number and it comes back with a load of other car adertisements.

slamdunkin
jarralad86 where did you see the car advertised?Have you googled the sellers phone number or name to see what comes up.
banned#39
is he listed as a trader or private seller with ebay


got the item number
#40
ChrisUK
I've had a Cat D in the past, but I would never buy another, you just don't know the extent of the damage.

I wouldn't go anywhere near a Cat C, no matter how cheap it was.

Have a look through Google Images at examples of Cat C cars before they were "fixed".


I googled "Cat C cars before they were fixed". and found this...
http://farm3.static.flickr.com/2223/2439115331_aa55388c53.jpg

looks like she doesn't knows what she is doing, the air bags are supposed to be inside the car aren't they?

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