Groups

    CAT D Car Advice Needed Help Me

    Ok quick question regarding cat d cars
    If I am wrong please correct me because I just want to understand the situation surrounding these cars thank you.
    If for example
    My car gets in a bump/ crash and needed a new number and side door new paintwork and dents removed
    The cars worth 7k
    I get quoted 3k repairs plus labour on top of that so say almost 5
    To avoid the insurance companies
    If I did this would I theoretically speaking avoid making my cat a Categorised D car because I avoided the insurance companies paying out.
    I know this never happened but is that what would happen.

    5 Comments

    I think so, cat D is an insurance write off so if there was no claim made then it was never written off. However, if you have already informed the insurance company and they write it off as uneconomical repair, then it's logged. That's my opinion anyway

    Original Poster

    krisosbornenet

    I think so, cat D is an insurance write off so if there was no claim made … I think so, cat D is an insurance write off so if there was no claim made then it was never written off. However, if you have already informed the insurance company and they write it off as uneconomical repair, then it's logged. That's my opinion anyway


    Hi thanks for repling to me
    so at the end of the day you could have a car on say Arnold clarke
    that in the past was repaired but by the owner and nothing was said at trade in no need no laws broken yes and then the new owner and AC would be none the wiser,
    But if you get insurance invlolved because you can't afford the costs of repairing it privatly at a vat registered garage then your basically scaring the car for life.

    Sounds like you're trying to mug someone off lol

    But simply put, if the insurer deemed it a total loss and you got a settlement the vehicle would be logged as a total loss on MIAFTR, this would show up on any MIAFTR check in the future. If you were to be involved in an incident but not make a claim through the insurer and repair it privately, no marker would be set against the vehicle. 99% of people will check for previous TL or hpi on vehicles they are going to purchase so you can't pull the wool over their eyes

    Original Poster

    itsdavidjones1984

    Sounds like you're trying to mug someone off lolBut simply put, if the … Sounds like you're trying to mug someone off lolBut simply put, if the insurer deemed it a total loss and you got a settlement the vehicle would be logged as a total loss on MIAFTR, this would show up on any MIAFTR check in the future. If you were to be involved in an incident but not make a claim through the insurer and repair it privately, no marker would be set against the vehicle. 99% of people will check for previous TL or hpi on vehicles they are going to purchase so you can't pull the wool over their eyes


    Sorry mate I think you're missing what in trying to say I just asked the question to fully understand what could happen you know.
    I'm trying to buy a car and they just seemed like a cheaper alternative which I thought I'd do a little research before I totally dismissed it's a idea.
    Knowing what I know now I don't think a cat d is for me due to the fact I doubt in say 2-3 years time I'd be able to trade it in as p/x at a reputable dealership and be forced to have to sell privately as these cars seem to be avoided.
    Post a comment
    Avatar
    @
      Text
      Top Discussions
      1. Free JackpotJoy Plate56
      2. Win a Free minion usb stick77
      3. Tv choice magazine Issue 391313
      4. Magazine competitions - Issue 38 @ tvchoicemagazine.co.uk1717

      See more discussions