What exxactly does CAT D mean??
Discussion
Means it's an insurance write off that's been resurrected doesn't it? Extent of the damage could vary considerably depending on what the insurance company considered 'beyond economical repair'
Reduces the car's resale value by a large amount too.
Andy
Of course, I could be very wrong.
>> Edited by milfordkong on Wednesday 16th March 11:24
Reduces the car's resale value by a large amount too.
Andy
Of course, I could be very wrong.
>> Edited by milfordkong on Wednesday 16th March 11:24
milfordkong said:
Means it's an insurance write off that's been resurrected doesn't it? Extent of the damage could vary considerably depending on what the insurance company considered 'beyond economical repair'
Reduces the car's resale value by a large amount too.
Andy
Of course, I could be very wrong.
>> Edited by milfordkong on Wednesday 16th March 11:24
Don't think so - I'm pretty sure that's Cat C and above. Does reduce the car's resale value, of course...
We need Towman to tell us!
From the Daily Telegraph's 'Honest John'
A 'write off' is a colloquial term for a vehicle which has been declared a total loss by an insurer, either following accident damage or theft. There are some 450,000 accident-related write-offs every year and another 150,000 insurance thefts, many of which are subsequently recovered damaged and re-classified. Many write-offs are legitimately allowed back on the roads following a repair; the safest ones to buy are those which have passed an independent vehicle inspection, such as those on HPI's Condition Inspected register. However, almost half of all write-offs are so badly damaged that qualified insurance inspectors determine that they should never go back on the road. To assist the industry and the used car buyer, the Association of British Insurers (ABI) has since 1997 provided the following classification of damage to vehicles that have been deemed an insurance write-off:
o Category A:
Scrap only - this vehicle should have been crushed. It should never reappear on the road and there are no economically salvageable parts. It is of value only for scrap metal - e.g. a totally burnt-out vehicle.
o Category B:
The bodyshell should have been crushed. The vehicle should never reappear on the road, but it can be broken for spare parts plus any residual scrap metal.
o Category C:
Vehicle extensively damaged and insurer has decided not to repair. May be repaired and put back on the road. Has to pass an inspection to be re-registered as damaged repaired.
o Category D:
Vehicle damaged and insurer has decided not to repair. When fixed can be re-registered as damaged repaired.
o Category F:
Vehicle damaged by fire and insurer has decided not to repair. When fixed can be re-registered as damaged repaired.
A 'write off' is a colloquial term for a vehicle which has been declared a total loss by an insurer, either following accident damage or theft. There are some 450,000 accident-related write-offs every year and another 150,000 insurance thefts, many of which are subsequently recovered damaged and re-classified. Many write-offs are legitimately allowed back on the roads following a repair; the safest ones to buy are those which have passed an independent vehicle inspection, such as those on HPI's Condition Inspected register. However, almost half of all write-offs are so badly damaged that qualified insurance inspectors determine that they should never go back on the road. To assist the industry and the used car buyer, the Association of British Insurers (ABI) has since 1997 provided the following classification of damage to vehicles that have been deemed an insurance write-off:
o Category A:
Scrap only - this vehicle should have been crushed. It should never reappear on the road and there are no economically salvageable parts. It is of value only for scrap metal - e.g. a totally burnt-out vehicle.
o Category B:
The bodyshell should have been crushed. The vehicle should never reappear on the road, but it can be broken for spare parts plus any residual scrap metal.
o Category C:
Vehicle extensively damaged and insurer has decided not to repair. May be repaired and put back on the road. Has to pass an inspection to be re-registered as damaged repaired.
o Category D:
Vehicle damaged and insurer has decided not to repair. When fixed can be re-registered as damaged repaired.
o Category F:
Vehicle damaged by fire and insurer has decided not to repair. When fixed can be re-registered as damaged repaired.
Cat D means that the vehicle was subject to an insurance claim.
The ins.co. chose not to repair it even though it would be economical to do so with new parts and commercial labour rates.
A Cat C means that it would not be economical to do so with new parts and commercial labour rates but could still be repaired to a satisfactory state.
A cat D could be a door lock missing and a scratch to a badly damage body.
CAt C and D can be repaired, A and B can not.
Have a look at www.universal-salvage.com for more of an explanation.
Also expect a damaged repaired car to be worth only 50-66% of book value
>> Edited by liszt on Wednesday 16th March 11:33
The ins.co. chose not to repair it even though it would be economical to do so with new parts and commercial labour rates.
A Cat C means that it would not be economical to do so with new parts and commercial labour rates but could still be repaired to a satisfactory state.
A cat D could be a door lock missing and a scratch to a badly damage body.
CAt C and D can be repaired, A and B can not.
Have a look at www.universal-salvage.com for more of an explanation.
Also expect a damaged repaired car to be worth only 50-66% of book value
>> Edited by liszt on Wednesday 16th March 11:33
I intend to buy a cat D vehicle from ebay. It does not seem to be clear if the vehicle has to be inspected by the DVLA and have a certificate before it can be put back on the road. Should I insist to see a certificate? Will I need to declare this to my insurance company and can they refuse to insure it or charge me extra?
A cat d doesn't need an inspection. A cat c does. The inspection for a cat c is literally a vic check which is an inspection of the vin number to check it corresponds with the index number etc, and not a vehicle inspection for roadworthiness.
I have had a couple of cat d's and c's.
Both can be pretty minor, but have to be checked. An example of my cat d, it was a porsche 944 with 100k, immaculate with leather etc etc. The previous owner had driven over a tyre which caused minimal damage to front bumper, undertray and radiator. I repaired it for about £200. The insurance company had obviously looked at it, asked Mr Porsche dealer for a quote and had obviously quoted porsche prices which made it uneconomical.
My cat C was an alfa 145 cloverleaf, with dented front wing, grille and headlight. That was it.
Bear it in mind they are generally worth 20% less than anything not on the register check the car, and you will be ok.
I've just bought an astra 1.8cd with cat c damage - it was near to a fire, some of the paint lacquer has gone on the passenger door, as has the plastic trim. Thats it.
it cost £110. 
I have had a couple of cat d's and c's.
Both can be pretty minor, but have to be checked. An example of my cat d, it was a porsche 944 with 100k, immaculate with leather etc etc. The previous owner had driven over a tyre which caused minimal damage to front bumper, undertray and radiator. I repaired it for about £200. The insurance company had obviously looked at it, asked Mr Porsche dealer for a quote and had obviously quoted porsche prices which made it uneconomical.
My cat C was an alfa 145 cloverleaf, with dented front wing, grille and headlight. That was it.
Bear it in mind they are generally worth 20% less than anything not on the register check the car, and you will be ok.
I've just bought an astra 1.8cd with cat c damage - it was near to a fire, some of the paint lacquer has gone on the passenger door, as has the plastic trim. Thats it.
it cost £110. hi every one, i am new here,nice to meet u.i want to buy a car from ebay, which is a cat d. it is a very new 06 car, only 300 miles. seller is a trader, said he got the car from insurance company, the car was damaged from the back bumper, rear drivers quarter and light were replaced, the car is repainted, and there is 0 previous owner on this car.just dont understand how could it happen: damaged during delivery? if cat d stands for light damage,why insruance company choose not to fixed it? by the way,if a car is cat d, does it mean the value of the car will drop a lot, how about insurance, will insurance company ask more for a cat d. anyone please tell me,should i buy the car,thanks a lot.
recently i look to buy on sites for car that is an cat d salvage , my questions what i have to understand every steps that i need to know before i buy a car wich is categorized as cat D are:
this car with cat d has v5 present ?
or
if is cat d on site to be sell what the paper i need to drive this car ?
i need to go to eny inspection with this car after i buy it ? i look on sites but didn t mention about it, in my country when i want to register the last car i buy it from uk ,didn t ask about mot or something like this,they only paper that asq is about the registration document that is v5 and the invoice beetwen the seller and me.
this car will be registered in other country, not in uk, can i make an ensurance to a company like aviva for 3 days to drive it until home ?(the car that i wnat to buy need only the front bumper ,i will buy the bumper until i will go on road
if i take this car to Dover port by picking truk after that can i drive it without eny problem in other country ?
this car with cat d has v5 present ?
or
if is cat d on site to be sell what the paper i need to drive this car ?
i need to go to eny inspection with this car after i buy it ? i look on sites but didn t mention about it, in my country when i want to register the last car i buy it from uk ,didn t ask about mot or something like this,they only paper that asq is about the registration document that is v5 and the invoice beetwen the seller and me.
this car will be registered in other country, not in uk, can i make an ensurance to a company like aviva for 3 days to drive it until home ?(the car that i wnat to buy need only the front bumper ,i will buy the bumper until i will go on road
if i take this car to Dover port by picking truk after that can i drive it without eny problem in other country ?
Edited by trifucostin on Monday 28th February 20:34
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