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    Cat c vehicles

    What's the deal with these? I've seen a car I like but it says cat c.

    It's a Vauxhall Astra. Looks nice. £800

    24 Comments

    Means it's an insurance write off, beware.

    rac.co.uk/dri…an/

    It means it was an insurance write off. As long as it has been repaired professionally it should be OK but resale value would be lower (that's why it's cheaper) & some insurers may charge more.

    Means insurance co decided it was beyond economical repair via the insurer's (overpriced) preferred repair route. Realistically, not beyond economical repair via other routes such as independent repairers of have-a-go-hero DIY home mechanics.

    Mine was written off as a Cat C few months ago, the guy that came to assess said theres hardly any difference between cat C and D anymore. All mine needed was a front bumper and bonnet. Chassis was fine.

    Find out why it was written off as a Cat C and what was damaged. Ask to see pictures of the damage

    Original Poster

    According to the as she's repaired it

    You don't always have to worry though,
    if you can get the background history of the accident and the repairs there's nothing to worry about.
    We bought a Peugeot 107 cat c last year which had a bumper replaced.
    I managed to contact previous owner who said it was the tiniest bump and insurance made a cat c so he sold it.
    But then a garage repaired it and you can't tell the difference, and I have all the receipts to go with it.
    Edited by: "stefromuk" 28th Feb

    Cat D is very light damage like say a headlight and Cat C is more panels like doors, bonnet etc. Check what was the reason, and if it had a bsd bump I'd steer clear, specially if you have kids. You don't want to buy a car thats had chassie damage or frame, as it'll make the car weaker.

    Original Poster

    Toon_army

    Cat D is very light damage like say a headlight and Cat C is more panels … Cat D is very light damage like say a headlight and Cat C is more panels like doors, bonnet etc. Check what was the reason, and if it had a bsd bump I'd steer clear, specially if you have kids. You don't want to buy a car thats had chassie damage or frame, as it'll make the car weaker.


    What's a bsd bump? According to add it was the door which she has replaced.

    When car insurance companies assess cars not to be repairable, it is for various reasons and accordingly they record it as one of the below insurance "write off" categories:

    Categories:

    A - All car to be scrapped only.
    B - Body shell to be scrapped. Parts can be reused.
    C - Car is repairable but repair cost exceeds value of car (if repaired by insurance company)
    D - Definitely repairable but repair cost exceeds the insurance company set repair-to-value ration (e.g. 60%)

    Hence, if there is a high value car with a Cat C (or D) be more concerned but on low value cars even a slight ding on one panel can make it a Cat C (or D). Evaluate the savings when buying with the potential issues with insuring and selling on and go for it if the balance tips in your favour.

    Edited by: "mubashar" 28th Feb

    Original Poster

    I've emailed her. See what she says. I've spoken to insurance company and its not much more to insure.

    A cat c write off in a way I better than a cat d. A cat c has to be inspected by vosa where as a cat d can be repaired by anyone and just put back on the road.

    Is Google down today?

    Cat C - Suffered some damage and declared uneconomical to repair by insurance company. The owner will be able to repair, do MOT and get it back on the road.

    The catch is Cat C vehicles will be valued only x% of the original value. One example I know said 75% of Market value.

    If the vehicle has been MOT'd and no advisory then you are good to get it and run. You will have reduced prospects if you are thinking of reselling later though.

    Cat c vehicles no longer need to be inspected by vosa. The 'vic' scheme was abolished in October 2015.
    The vic scheme also never checked the quality of repair. It was only ever an identity check to stop vehicles being cloned, cut and shut etc

    Original Poster

    craigstephens

    Is Google down today?


    Nope still working fine. Just want to get people's opinions on it. Thanks for the comment though.


    gnans

    Cat C - Suffered some damage and declared uneconomical to repair by … Cat C - Suffered some damage and declared uneconomical to repair by insurance company. The owner will be able to repair, do MOT and get it back on the road.The catch is Cat C vehicles will be valued only x% of the original value. One example I know said 75% of Market value.If the vehicle has been MOT'd and no advisory then you are good to get it and run. You will have reduced prospects if you are thinking of reselling later though.


    To be fair I always run my car down to the ground.

    Wadda

    A cat c write off in a way I better than a cat d. A cat c has to be … A cat c write off in a way I better than a cat d. A cat c has to be inspected by vosa where as a cat d can be repaired by anyone and just put back on the road.



    ​The Vic check was abolished 2 years ago. You have no idea what you're talking about!

    I have to say, the majority of the commenters on this thread have only basic knowledge of this and will lead you down the garden path. A cat D is a constructive total loss. Usually when the repair cost exceeds 80% of the Pre accident value but this cannot exceed the PAV. Once the repair cost exceeds the PAV it's deemed a cat C. So let's say the PAV of a car is £1000. The repair cost comes in at around £850, it'll be deemed a Cat D. If the repair cost comes in at £1001.00 it'll be deemed a cat C. And before anyone jumps over this, I'm fully aware some insurers go to 85%,90% etc etc.

    Banned

    stay away op. they are too hard to sell.

    sofiasar

    stay away op. they are too hard to sell.



    ​Agree unless they what to keep it until it goes bang

    itsdavidjones1984

    ​The Vic check was abolished 2 years ago. You have no idea what you're t … ​The Vic check was abolished 2 years ago. You have no idea what you're talking about!


    Yeah your right it changed in late 2015. I did not know about that.

    Wadda

    Yeah your right it changed in late 2015. I did not know about that.



    ​Also the Vic check only checked the chassis numbers, not the quality of the repair.

    i believe insurance companies do not pay market value if its written of again, as its already had a pay out against the car.. not 100% sure

    h4rry07

    i believe insurance companies do not pay market value if its written of … i believe insurance companies do not pay market value if its written of again, as its already had a pay out against the car.. not 100% sure



    ​Usually 15% deducted for prev cat D, and 20% for prev cat c
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