Ok...take a 15 year old Mondeo with a damage wing and bumper,gonna be written off as it will cost more to fix than its worth. Is a 2018 Mondeo going to be written off for the same level of damage? no its not. What I'm saying is if a very late car is written off due to being uneconomical to fix it is going to have alot more damage than a 15 year old cat d car as they work on a percentage of the cars value. Look up the pics of some cat D late reg cars... I wouldn't particularly want one...certainly not just cosmetic damage.
I beg to differ. An older car would more than likely be written of due to the cost of repair being more than the value of the vehicle. It’s the opposite for a newer car as the cost of parts on newer vehicles mount up, making it uneconomical to repair and the damage is generally more cosmetic. I had a car that was deemed borderline £2500 estimated repair on a car with an estimated market value of £4000. I priced up the parts second hand and it would have cost me approx £600 to repair it myself as it was easily replaceable parts.
This is not always the case it depends on the insurer. I’ve been paid market value before.
Insurance will probably give half it's undamaged value if they had to pay out.
A cat d (although the groups have changed letters now) is an uneconomical repair....this fine on an older car as it could be very minor damage. ..it's not the same with a newer car though,if it's a cat d uneconomical repair it must have been quite badly damaged....alot more than the cheap car....if it was minor damage as quoted in sellers adverts it would have been fixed and had no cat group applied to it,personally I wouldn't buy one.....not an expensive one anyway,some insurance companies won't touch them either.