Category A, B, C and D write offs. Whats are they?
Discussion
stone said:
I did a search to find this thread yet when I view it from the search page it is jumbled with code appearing??
Edited to add! It now appears fine having added a reply
>> Edited by stone on Friday 11th June 10:20
Edit the thread URL and remove eveything after the t=[number] part and it should return to normal, it's just a feature of the search (I think it's so that URLs are included).
The cat A thing is strange.
I work for a very well known insurance brand (one of the largest in the UK, pigs might fly etc etc) and a good few years ago I wrote off my Mk1 Mr2 Tbar.
Gorgeous mint car the I'd spent a lot of money restoring.
I crashed at 70ish on a wet A road and completely killed the car which gutted me. Fortunately I wasn't hurt. The car was damaged on every panel though and ripped the wheels off.
When I made some internal enquiries (I wanted some performance parts off it) I found that it was classed Cat A and had been sent to the crushers.
It was badly damaged but no one was hurt....
I work for a very well known insurance brand (one of the largest in the UK, pigs might fly etc etc) and a good few years ago I wrote off my Mk1 Mr2 Tbar.
Gorgeous mint car the I'd spent a lot of money restoring.
I crashed at 70ish on a wet A road and completely killed the car which gutted me. Fortunately I wasn't hurt. The car was damaged on every panel though and ripped the wheels off.
When I made some internal enquiries (I wanted some performance parts off it) I found that it was classed Cat A and had been sent to the crushers.
It was badly damaged but no one was hurt....
Personally I think that registering a CAT D against a car is an absolute disgrace. Why should a car have a black mark against it just because an insurace campany didn't think it was economical to repair? Especially when most cars can be reparied for much less than what a garage will quote to an insurance company.
On cheaper cars this means that very minor damage earns the motor a CAT D where a more expensive car with MUCH more serious damage does not. Where is the logic in that?????
Rob
On cheaper cars this means that very minor damage earns the motor a CAT D where a more expensive car with MUCH more serious damage does not. Where is the logic in that?????
Rob
Interesting thread:
So how would an insurance quote be effected? Say Ford Focus "Y" reg. 40yr old driver. 5 yrs no claims.
How much more would you be expected to pay or does it not matter that much?
Also what if the car is a newish Japanese/European import? Does that make much difference?
So how would an insurance quote be effected? Say Ford Focus "Y" reg. 40yr old driver. 5 yrs no claims.
How much more would you be expected to pay or does it not matter that much?
Also what if the car is a newish Japanese/European import? Does that make much difference?
I think a decision to buy a Cat C or D car has to depend upon the age of hte car when the damage was caused. If a £20k car suffers £5k of damage whilst it is less than one year old it will not be recorded, however, there comes a time when £5k of damage would make it a Cat C, although it might be repaired to the same standard as it would have been when done whilst almost new. If that is the case is there really a problem in buying it?
Does depend upon the quality of repair though. I nearly bought a Mini which turned out to be a Class D, still inspected it carefully and decided that although the damage it had suffered was not bad, the quality of repair was.
Does depend upon the quality of repair though. I nearly bought a Mini which turned out to be a Class D, still inspected it carefully and decided that although the damage it had suffered was not bad, the quality of repair was.
xlol88 said:
hi just to let everyone no that there are a few cat b that are aloud back on the road its the isurance that decide what to put the car under.
There are no Category B write-off's on the road, legally. There may be cars that were damaged enough to be written-off Category B, but a claim was not made and the owner repaired the car themselves, meaning it was not written-off. But if an insurance company wrote-off a car as Category B then it would not legally make it's way back onto the road apart from in parts for other cars.Also Category D isn't just for damaged cars, if your car is stolen and not found for a certain period of time, your insurance company pays out for it, when it is finally found it'll be written of Category D, stolen recovered, even if there is absolutely no damage (e.g. stolen with keys).
Hi Guys, need some help please. I have just found out that a car i brought last year is a Cat B write off. I brought the car from a family member who is in the car repair trade and he took it as a part ex, but with no log book. When speaking to the 1st owner of the car, a lease car company, he learnt that the car was not written off and contacted the DVLA who sent out a duplicate V5 after the car underwent a VIC test. I then brought the car, taxed it insured it and have been driving it for over a year. When i went to re-insure the car again this year one company said it was a Cat B write off and to contact another insurance company, the one who wrote the car off to put right any possiable admin errors. When i did get through to the right person they informed me the car was written off, due to flood damage and sold to a salvage company, took some details and said she would call back. The next thing i know is a guy claiming to be from the salvage company phoned me insisting he crushed the car, and wanted to meet me. After all that a question..... Where do i legaly stand????? can i drive the car??? is it up to me to scrap it????.....Oh and really dont think it a ringger, its a 56 plate Mazda, and has a tamper proof chassie label on every panel.
And don't forget the "HPI Inspected" category: in days gone by you could do a super-duper repair job and they'd take it off the HPI register after having it checked out.
These days you get the vehicle inspected by Auto Align (is that how you spell it?) who then do an inspection - this evidently even covers stuff like having the correct fasteners on the undertray and the like. Basically the vehicle should be in an as original condition. It doesn't get removed fully, but it gets the "Inspected" classification.
These days you get the vehicle inspected by Auto Align (is that how you spell it?) who then do an inspection - this evidently even covers stuff like having the correct fasteners on the undertray and the like. Basically the vehicle should be in an as original condition. It doesn't get removed fully, but it gets the "Inspected" classification.
The below originates from the 'code of practice for the disposal of motor vehicle salvage', which is ABI - supported, and therefore seems a fairly legitimate source:
Cat A: SCRAP only (i.e. with few or no economically salvageable parts and which is of value only for scrap metal) e.g. total burnouts. SALVAGE MUST BE CRUSHED. The vehicle identification number (VIN) plate and visible VIN must be removed at the earliest possible opportunity and either held in secure storage whilst awaiting disposal or securely disposed of. The stamped in VIN must be left in situ and not interfered with in any way.
Cat B: BREAK for spare parts if economically viable (excluding any residual scrap value). Category B must be treated as Category A once reusable parts have been removed. THE BODYSHELL/FRAME/CHASSIS MUST BE CRUSHED. Air bags and seat belt components must be properly disposed of in accordance with the manufacturer’s instructions - these items must never be re-sold.
(Salvage disposers should use best endeavours to ensure that Category A and B vehicles do not reappear on the road.)
Cat C: REPAIRABLE total loss vehicles where repair costs including VAT exceed the vehicle’s pre-accident value (PAV). May be sold on. When any vehicle is broken for
spares, the criteria for category B apply.
Cat D: REPAIRABLE total loss vehicles where repair costs including VAT do not exceed the vehicle’s PAV. May be sold on. When any vehicle is broken for spares, the criteria for category B apply.
HTH
Cat A: SCRAP only (i.e. with few or no economically salvageable parts and which is of value only for scrap metal) e.g. total burnouts. SALVAGE MUST BE CRUSHED. The vehicle identification number (VIN) plate and visible VIN must be removed at the earliest possible opportunity and either held in secure storage whilst awaiting disposal or securely disposed of. The stamped in VIN must be left in situ and not interfered with in any way.
Cat B: BREAK for spare parts if economically viable (excluding any residual scrap value). Category B must be treated as Category A once reusable parts have been removed. THE BODYSHELL/FRAME/CHASSIS MUST BE CRUSHED. Air bags and seat belt components must be properly disposed of in accordance with the manufacturer’s instructions - these items must never be re-sold.
(Salvage disposers should use best endeavours to ensure that Category A and B vehicles do not reappear on the road.)
Cat C: REPAIRABLE total loss vehicles where repair costs including VAT exceed the vehicle’s pre-accident value (PAV). May be sold on. When any vehicle is broken for
spares, the criteria for category B apply.
Cat D: REPAIRABLE total loss vehicles where repair costs including VAT do not exceed the vehicle’s PAV. May be sold on. When any vehicle is broken for spares, the criteria for category B apply.
HTH
Ohhh, this thread was written off back in 2006 but appears to be back on the road 
Here's a question then - if the government/insurers/etc are all so concerned for our safety why aren't written off cars (or at least A+B) posted on a national database so you'd know what you were buying? Instead it appears that the information is sold on to firms to charge exorbitant fees for very little effort.
Here's a question then - if the government/insurers/etc are all so concerned for our safety why aren't written off cars (or at least A+B) posted on a national database so you'd know what you were buying? Instead it appears that the information is sold on to firms to charge exorbitant fees for very little effort.
I have read some of the comment ref Cat C Cat D vehicles if you need guidance look at this site www.motorsalvagedirect.co.uk/abi.php it has the MIAFTR classification that states cat C / D can be sold for repair..IE the insurer sells them on via a salvage agent or Auction
However think about this
Any car that has been damaged and repaired by an Insurance company does not go on any list/register yet they may have sustained heavy damage . Just because it has been repaired by the insurance company does not mean it has been repaired well. When you BUY a car and get a HPI check it should mention that it has been repaired even by an insurance company. They won't do this as they want thier Cake and to eat it also.
However think about this
Any car that has been damaged and repaired by an Insurance company does not go on any list/register yet they may have sustained heavy damage . Just because it has been repaired by the insurance company does not mean it has been repaired well. When you BUY a car and get a HPI check it should mention that it has been repaired even by an insurance company. They won't do this as they want thier Cake and to eat it also.
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