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What percentage of market value is a Cat D repaired vehicle worth?

baconsandwich Avatar
8y, 4m agoPosted 8 years, 4 months ago
Well, here's the story... Was going to buy a 1.4 Renault Clio 5dr Privilege 36k on the clock from another user on here for £3k.

Was prepared to go ahead with the sale this weekend, but found out after doing a data check today that the car has been classed as a Cat D write off at some point and has been repaired.

The car is worth about £3.8k from a dealer according to the AA which would obviously mean it's worth less than that sold privately. Probably about 3.4/3.5k..

How much would you say the car is worth now after having found out its a Cat D repaired? I've been looking around online and have seen people say it's worth just 40% of it's original value in the worst case, and as much as 80% in the best case.

I need some kind of definitive answer! Any ideas?

The current owner genuinely knew nothing of its Cat D classification and bought it privately from his driving instructor without doing a HPI test. Understandable as I myself had quite a bit of trust in my instructor!

edit: I'm also a little worried about how hard it's going to be to sell on this car when I'm finished with it.. It's going to be my first car and obviously not going to keep it forever.. Any thoughts on that?
baconsandwich Avatar
8y, 4m agoPosted 8 years, 4 months ago
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#1
Also the car had about £400 of work done on it recently, so I believe it's in good check.
#2
It's woth about 40-50% less, and WIL be a problem to sell if someone HPI's it. Stay clear, or buy cheap enough to "throw it away" after a few years use.
#3
kyalion
It's woth about 40-50% less, and WIL be a problem to sell if someone HPI's it. Stay clear, or buy cheap enough to "throw it away" after a few years use.


Really? Seems a bit low.. Hope you don't mind me asking but have you had much experience in dealing with insurance write offs?

Don't worry I'm not gonna grill everyone I just need a collective opinion. :thumbsup:

edit: Are you sure the 40-50% value isn't the typical value before repair?
#4
A class d write off is usually one what has been stolen, paid out for by the insurance company and then later recovered, so usually just had lock damage and not even that if it was stolen by key and maybe some minor cosmetic stuff, these are the only write offs I would touch, if its been repaired properly (new locks etc) then around 80% of the normal value is about right.

Other forms of Cat D are:
Category D Insurance Write Off - the vehicle is economically repairable but other factors are involved that cause the insurer to declare the vehicle a write off. Perhaps the replacement car hire is too costly or it will take too long for a specialist part to be delivered.
#5
baconsandwich;2548720
Sounds about right, although I have heard that Cat D can also be things like crushed bumpers, destroyed interior, damage to the body etc.

Thanks for your input :thumbsup:

Just looked into it a bit more and Cat D can include damage and minor accident damage see above.
More here http://www.insurancewriteoff.co.uk/
#6
harlzter
A class d write off is usually one what has been stolen, paid out for by the insurance company and then later recovered, so usually just had lock damage and not even that if it was stolen by key and maybe some minor cosmetic stuff, these are the only write offs I would touch, if its been repaired properly (new locks etc) then around 80% of the normal value is about right.

Other forms of Cat D are:
Category D Insurance Write Off - the vehicle is economically repairable but other factors are involved that cause the insurer to declare the vehicle a write off. Perhaps the replacement car hire is too costly or it will take too long for a specialist part to be delivered.


Cool, thanks for your input :thumbsup:
#7
harlzter
Just looked into it a bit more and Cat D can include damage and minor accident damage see above.
More here http://www.insurancewriteoff.co.uk/


Yeah that's right, it's a shame we don't know more about why it became a Cat D in the first place.
#8
I came across a few Cat Ds last time I was looking for a car. They were being offered on Autotrader at about 30 to 40% under trade (Glass's) price. Still didn't seem to be selling which suggests that eventual selling price may have been even lower.

Biggest problem would be if you ever came to resell it. You would have to let prospective purchasers know that it was a Cat D. It would be enough to put me off.
#9
tony_s1
I came across a few Cat Ds last time I was looking for a car. They were being offered on Autotrader at about 30 to 40% under trade (Glass's) price. Still didn't seem to be selling which suggests that eventual selling price may have been even lower.

Biggest problem would be if you ever came to resell it. You would have to let prospective purchasers know that it was a Cat D. It would be enough to put me off.


Yup that's my main worry also..
#10
tony_s1;2548759
Biggest problem would be if you ever came to resell it. You would have to let prospective purchasers know that it was a Cat D. It would be enough to put me off.

It personally wouldnt bother me as it wont be likely to be damage that affects the safety or performance of the car, the fact the price is lowered would tempt me.

My cousin had a Alfa 33 a few years ago where a van reversed into it and creased the rear quarter panel, because of where it was it couldnt be panel beat and the only option for repair was replace the whole quarter panel which would be too eneconimcal for the insurer taking into account loan car for the period the panel took to ship from italy plus the repair itself, they paid him the market value for it of £1500 or thereabouts, bearing in mind this was only cosmetic damage, he then enquired with the insurance about buying it from them, he got it for £100, he then manged to pull most of the crease out using a slide hammer and ingenuity then filled the rest and have the panel re-sprayed, all in cost him £50ish so £150 for a £1500 car.
#11
Cat d is usually minimal damage. Its not usually beyond economic repair. If the car has been repaired well its not a problem imo. The car should be cheaper than one not cat d though, how much cheaper is up to you. Most cars on the road have had some sort of paintwork at some time but the problem arises when you come to sell one that's down as a cat d. Also most cat c or d repaired cars have no service history, has this got any?
#12
harlzter
It personally wouldnt bother me as it wont be likely to be damage that affects the safety or performance of the car, the fact the price is lowered would tempt me.

My cousin had a Alfa 33 a few years ago where a van reversed into it and creased the rear quarter panel, because of where it was it couldnt be panel beat and the only option for repair was replace the whole quarter panel which would be too eneconimcal for the insurer taking into account loan car for the period the panel took to ship from italy plus the repair itself, they paid him the market value for it of £1500 or thereabouts, bearing in mind this was only cosmetic damage, he then enquired with the insurance about buying it from them, he got it for £100, he then manged to pull most of the crease out using a slide hammer and ingenuity then filled the rest and have the panel re-sprayed, all in cost him £50ish so £150 for a £1500 car.


It could be very advantageous to buy a Cat D if you can get it for a lot off the normal price. BUT, I think you have to be aware that, certainly with newer (under 5 years old?) cars, reselling could be difficult. If you are technically competent enough to recognise whether or not a car has been adequately repaired, then you could get a good car at a bargain price. If you're going to keep it several years it would be a good buy. But, if you only intend keeping it for a shorter period you may well lose as much or more than buying a "normal" car.

Bottom line though is whether you can get it at a sufficiently low price and are prepared to take a chance. Some are - but not me. :whistling:
#13
Hi all, I am the owner of the car, that is selling to the OP

The car was Cat D registered in 06/06, I had no idea about this and the car is in 9/10 condition wise.

Since buying it I have had its 36k service done, This cost around 400 pounds
I have had the Cambelt, Timing belt and waterpump changed costing around 400 pounds
I have had all 4 tyres changed to Continental Premium Contacts that have done less than 3000 miles as well as a brand new spare
The car is the rare privilege model with aircon sunroof, alloys, cd player with remote control
Other mods included getting Renault to fit a genuine CD Changer under the passenger seat at a cost of 250 quid, I have had the Aircon regassed less than a month ago. All work is with receipts.
All brakes were tested, drums cleaned, pads and discs were changed 12 months ago.

The book has been stamped for the last service history that I had done, the local garage here did the previous 2 prior to that and has the dates etc on their system ready to fill in the book.
#14
Anyone else got any input toward this thread?

Also we now know the car had a blowout, was repaired, then auctioned..
#15
baconsandwich;2550181
Anyone else got any input toward this thread?

Also we now know the car had a blowout, was repaired, then auctioned..


A blowout could mean some body damage if it was bad enough to be written off. I suppose it comes down to how and where the damage was done and repaired. Could you arrange to do a AA/RAC check, split two ways. Then if it gets a clean bill of health, even if you don't buy it the seller can show any buyers the report.
#16
That is what biscuitman has done, an AA check, you mean like a mechanic to come down to see it?

I have said to Biscuit man that I am fully willing to cover the cost of a mechanic to come and check the car on his behalf. I would use Nigel Lang as he did the service for the car, is established for around 30 years

http://www.nigellangsgarage.co.uk/ and is also part of thegoodgaragescheme.com

I also said if baconsandwich** wasnt happy with this he could bring any other mechanic or even the AA or RAC as you mentioned.

EDIT: At my cost
#17
Ommid
That is what biscuitman has done, an AA check, you mean like a mechanic to come down to see it?

I have said to Biscuit man that I am fully willing to cover the cost of a mechanic to come and check the car on his behalf. I would use Nigel Lang as he did the service for the car, is established for around 30 years

http://www.nigellangsgarage.co.uk/ and is also part of thegoodgaragescheme.com

I also said if Biscuitman wasnt happy with this he could bring any other mechanic or even the AA or RAC as you mentioned.

EDIT: At my cost


Lol, biscuitman?

You reckon your garage can look at it before sunday or is that wishful thinking?
#18
Id have to ask baconsandwich, that should have said baconsandwich, i got confused lol.

I can ask what can be done before sunday, wanna drop me a text?
#19
What year? If you are going to get a Cat D you might as well get one from salvage auction and fix it and you will save alot of money trust me!! :thumbsup:
#20
Naeem786
What year? If you are going to get a Cat D you might as well get one from salvage auction and fix it and you will save alot of money trust me!! :thumbsup:


I know nothing about fixing cars, probably not a good idea.
#21
baconsandwich
I know nothing about fixing cars, probably not a good idea.


You dont have to fix it yourself just take it to the garage and make and just agree a price!! My mate buys and sells cars everyday and he make minimum £500 a car!! A car which sells for £3k will sell for £1.5k on a Cat D!!

I know a bit about cars and you know a bit about X-Box as might get one in next 2-3 days!!
#22
Naeem786
You dont have to fix it yourself just take it to the garage and make and just agree a price!! My mate buys and sells cars everyday and he make minimum £500 a car!! A car which sells for £3k will sell for £1.5k on a Cat D!!

I know a bit about cars and you know a bit about X-Box as might get one in next 2-3 days!!


Why bother? Thats what I dont get?
#23
Ommid
Why bother? Thats what I dont get?


Its business!!!!!!! :thumbsup:
#24
What year is the car? Ill tell you what its worth imo if that helps
#25
baconsandwich
Really? Seems a bit low.. Hope you don't mind me asking but have you had much experience in dealing with insurance write offs?

Don't worry I'm not gonna grill everyone I just need a collective opinion. :thumbsup:

edit: Are you sure the 40-50% value isn't the typical value before repair?


I'm in the Motor Trade dealing with this kinda thing all day, everyday.
#26
a lot of people get cat C and D mixed up and cat D can be very minor whereas cat C usually has chassis damage

ive seen cat d's that were writen off because the stereo had been stolen and the dash had been damaged and to replace the dash plus labour cost too much so it was written off.

cat D is only panel/minor damage and a lot of people choose not to go through the insurance and repair it themselves.
so you have to ask yourself this, would you rather have a car that is a cat D and know its been properly repaired through the insurance company or any other car out there that you dont know what has happened to it in the past ?

oh and the general rule of thumb is that a cat D is worth 12-20 % less than none damaged and cat C is worth 50-60% less

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