M4 - Cat D - Too risky?
Discussion
HustleRussell said:
caelite said:
Insurers can claim Cat D for minimal damage and often do nowadays
What do you mean by this?Would never touch Cat B (only of export or offroad use) as they tend to be actually bent post engineering report. Same with Cat A but normally theres bits of human remains wedged in the wreck somewhere too. Cat D and C are fair game though provided there is a detailed report present of what damage was there and what repairs where done. Also a car like that, in Birmingham has the potential to not even have been damaged. Possibly declared Cat D after being stolen & recovered.
However based on what other posters have said regarding the dodgy dealer & the pretty crap price the car is advertised at it may be better to avoid after all.
Silverbullet767 said:
Quick look on Autotrader for that money reveals Nissan GTR, Jaguar XFR & XJ, Audi R8, BMW M5, Porsche 911. All non cat D.
This . . . why go for a cat D anything when you have £40k to spend ? £40k even gets you an Aston Martin, why would you want a pastal blue, damaged, BMW when you can get any number of alternatives which probably won't have been damaged ?The reviews on that place 
Take all their pictures outside the Edgbaston cricket ground and the posh flats opposite to hide the fact that their actual unit is in a right dump. How they have managed to get stock with things like Rolls Royces and sell them out of there I will never know.
Take all their pictures outside the Edgbaston cricket ground and the posh flats opposite to hide the fact that their actual unit is in a right dump. How they have managed to get stock with things like Rolls Royces and sell them out of there I will never know.
datum77 said:
ANY cat C or D car should, (as a VERY general rule), be worth around half of the vehicles trade value. That is, if this BMW is worth, say, £50000 trade, then it's cat C or D value is £25000. What you don't know, (despite what the dealer might tell you), is what the degree of damage was - and more importantly, who did the repair and what sort of short cuts did they take. Like, for instance, fitting inferior parts, straightening out bent and damaged parts, not painting to manufacturers specification, etc., etc.
You would be VERY foolish to spend that sort of money on a vehicle of that value, and worse, when you come to sell it - you will have terrible trouble doing so for the self same reasons. Your buyers market is reduced by around 70% or 80% because of the few people that were prepared to take the risk.
Your insurance would also be affected because the insurance company will be very aware of it's status and history.
Piffle!You would be VERY foolish to spend that sort of money on a vehicle of that value, and worse, when you come to sell it - you will have terrible trouble doing so for the self same reasons. Your buyers market is reduced by around 70% or 80% because of the few people that were prepared to take the risk.
Your insurance would also be affected because the insurance company will be very aware of it's status and history.
It's all down to when the damage that wrote the car off happened.
If you have a £1000 20 year old BMW 320i and someone mashes the rear bumper, by the time it's been replaced and painted and fitted it'll be costing a good % of what it's worth so will get written off. Obviously a bumper swap is nothing major and less than most cars on the road could have had done to them.
On the flip side, the £45000 M3 at 2 years old will need to have had a decent amount of damage to have written it off.
Thats how I understand it anyway.
If you have a £1000 20 year old BMW 320i and someone mashes the rear bumper, by the time it's been replaced and painted and fitted it'll be costing a good % of what it's worth so will get written off. Obviously a bumper swap is nothing major and less than most cars on the road could have had done to them.
On the flip side, the £45000 M3 at 2 years old will need to have had a decent amount of damage to have written it off.
Thats how I understand it anyway.
GC8 said:
datum77 said:
ANY cat C or D car should, (as a VERY general rule), be worth around half of the vehicles trade value. That is, if this BMW is worth, say, £50000 trade, then it's cat C or D value is £25000. What you don't know, (despite what the dealer might tell you), is what the degree of damage was - and more importantly, who did the repair and what sort of short cuts did they take. Like, for instance, fitting inferior parts, straightening out bent and damaged parts, not painting to manufacturers specification, etc., etc.
You would be VERY foolish to spend that sort of money on a vehicle of that value, and worse, when you come to sell it - you will have terrible trouble doing so for the self same reasons. Your buyers market is reduced by around 70% or 80% because of the few people that were prepared to take the risk.
Your insurance would also be affected because the insurance company will be very aware of it's status and history.
Piffle!You would be VERY foolish to spend that sort of money on a vehicle of that value, and worse, when you come to sell it - you will have terrible trouble doing so for the self same reasons. Your buyers market is reduced by around 70% or 80% because of the few people that were prepared to take the risk.
Your insurance would also be affected because the insurance company will be very aware of it's status and history.
SilverSpur said:
Cat D can mean no damage can't it? Just means the insurers paid out in full... Perhaps the car was stolen, and then recovered after the insurance payout.
Or is this incorrect?
unlikely, would be down as stolen recovered on the register.Or is this incorrect?
This has had about 60% of its value in damage.
Cheers for the replies. Appreciate the Piston Head detectives digging up some dirt on that 'garage' as well. Some of the reviews are horrific FFS.
In my defence, I only browsed the advert and pictures for a few minutes earlier on before heading out and thought I'd throw up the question about the Cat D situation. As someone mentioned, you'd need to be on crack to deal with them with a normal car never mind a Cat D one. Will be giving them a wide berth. I did fire them an email though asking for a damage report so will reply back here with that info if they do send it to me in case anyone is curious.
As for the question of why an M4? My heart is set on one, and I do know what else I could get at that price point. Right now though, it's the M4 for me
Will keep on the hunt.
In my defence, I only browsed the advert and pictures for a few minutes earlier on before heading out and thought I'd throw up the question about the Cat D situation. As someone mentioned, you'd need to be on crack to deal with them with a normal car never mind a Cat D one. Will be giving them a wide berth. I did fire them an email though asking for a damage report so will reply back here with that info if they do send it to me in case anyone is curious.
As for the question of why an M4? My heart is set on one, and I do know what else I could get at that price point. Right now though, it's the M4 for me
Will keep on the hunt.
king disgrace they are allowed to continue trading reading those reviewsanonymous said:
[redacted]
like this 116d with the 135i conversionhttp://www.autotrader.co.uk/classified/advert/2016...
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