Avoiding cat c/d after an accident
Discussion
Had a minor accident yesterday that wasn't my fault, notified insurance etc and they said on the phone that it sounds like it'll be a writeoff because of the age of the car. The car still drives fine and all the damage is bodywork.
I've initiated the process of making a claim to the responsible party's insurance, but the more I read online the more I think that any claim will result in my car being cat-c or cat-d which I really don't want. It's worth a lot more to me than the average market value and has lots of expensive modifications that the insurance company won't take into account.
This being the case, I think it might be best if I just cancel the claim completely and pay for the damage myself. If I do this, can my car still end up being cat-c or cat-d? My understand so far is that the categorisation happens when the insurance company send an engineer out to assess the damage and value of the car for the claim, but if I choose to make no claim can I simply have the car repaired and get back on the road without issue?
I've initiated the process of making a claim to the responsible party's insurance, but the more I read online the more I think that any claim will result in my car being cat-c or cat-d which I really don't want. It's worth a lot more to me than the average market value and has lots of expensive modifications that the insurance company won't take into account.
This being the case, I think it might be best if I just cancel the claim completely and pay for the damage myself. If I do this, can my car still end up being cat-c or cat-d? My understand so far is that the categorisation happens when the insurance company send an engineer out to assess the damage and value of the car for the claim, but if I choose to make no claim can I simply have the car repaired and get back on the road without issue?
You can pull out of the claim, repair the car yourself, and it won't be a Cat C/D.
Or you can make the claim, let the insurance company write it off, collect the pay out money, then buy it back and fix it yourself. It will be a Cat C/D, but you might be better off financially, depending on what car it is, and what they pay out.
Or you can make the claim, let the insurance company write it off, collect the pay out money, then buy it back and fix it yourself. It will be a Cat C/D, but you might be better off financially, depending on what car it is, and what they pay out.
why not simply ask them up to what level they will pay for repairs before deeming it a write off, that way you might get at least money towards the repairs.
They might also tkae this as an oportuity to take this piss though... orjust say no, but at least you wouldnt be worse off as you have already initiated a claim and informed them of an accident, so your premiums will already likely be affected come renewal.
You could get a local bodyshop to give you a low quote for partial repairs and pay for further works out of your own pocket.
They might also tkae this as an oportuity to take this piss though... orjust say no, but at least you wouldnt be worse off as you have already initiated a claim and informed them of an accident, so your premiums will already likely be affected come renewal.
You could get a local bodyshop to give you a low quote for partial repairs and pay for further works out of your own pocket.
Try claiming directly againsy the 3rd party insurer and ask for cash in lieu of repair.
We just had £640 paid direct to our bank account by the 3rd party insurer after a phone call to them, which covered a proper repair to our ageing X-Type following someone's carpark bash.
We just had £640 paid direct to our bank account by the 3rd party insurer after a phone call to them, which covered a proper repair to our ageing X-Type following someone's carpark bash.
Edited by jamieduff1981 on Saturday 3rd May 12:42
Toaster Pilot said:
I've just had a total loss claim with Admiral and on the settlement letter it says "it is not our policy to allow policyholders to purchase salvage vehicles" - not sure how widespread that is....
Arse coverage by the insurer - then they won;t be the last business to have the vehicle - if it goes to a trader or breaker from the salvagew auction all the potential future fall out if it;s put back o nthe road will fall o nthe trader / breaker not the insurer ... 
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