Cat s write of
Discussion
My insurance company have declared my car as a cat c write off. Managed to get a payout instead of them claiming the car of me and I can just keep the money as its only bumper damage and I've had someone manage to attach it on. Suddenly started to worry that firstly will this make my premium shoot up and also will the insurance want proof of repair or will it not matter? Also read that maybe I have to re register with the dvla?
FeelingLucky said:
Cat C not used post October 2017.
However your title mentions Cat S, which indicates structural damage. which on the face of it doesn't sound like "only bumper damage and I've had someone manage to attach it on"
Be very careful how you proceed, now in the public domain.
Sorry cat s. Careful in terms of what?However your title mentions Cat S, which indicates structural damage. which on the face of it doesn't sound like "only bumper damage and I've had someone manage to attach it on"
Be very careful how you proceed, now in the public domain.
Well, obviously your premium will go up, youve just made a claim. So likely, your ncb will be reduced by a few years for whatever policy you take out next.
Secondly, the car itself may actually be cheaper to insure - after all, its now worth less than a non write off car. But youll likely need to do a compare the meerkats, as who is cheapest may change now.
I dont know about any worries with it being in the public domain - the cat s/n status will stay with the car, itll flag up to any insurer when you give them the reg. Itll flag to any buyer if you sold the car and they did a hpi check.
Never heard of an insurer requesting proof of repairs, though, how you get the repair done and how you document the repair will affect its resale value.
Secondly, the car itself may actually be cheaper to insure - after all, its now worth less than a non write off car. But youll likely need to do a compare the meerkats, as who is cheapest may change now.
I dont know about any worries with it being in the public domain - the cat s/n status will stay with the car, itll flag up to any insurer when you give them the reg. Itll flag to any buyer if you sold the car and they did a hpi check.
Never heard of an insurer requesting proof of repairs, though, how you get the repair done and how you document the repair will affect its resale value.
FeelingLucky said:
The insurer has declared it Cat S, meaning structural damage. You seem to be under the impression that "only bumper damage and I've had someone manage to attach it on" will suffice.
Any issues down the line, insurance, accidents or legal. It's now immortalised on a public forum.
Well it hasn't failed an an mot because of the damage. I'm not trying to do anything dishonestAny issues down the line, insurance, accidents or legal. It's now immortalised on a public forum.
brillomaster said:
Well, obviously your premium will go up, youve just made a claim. So likely, your ncb will be reduced by a few years for whatever policy you take out next.
Secondly, the car itself may actually be cheaper to insure - after all, its now worth less than a non write off car. But youll likely need to do a compare the meerkats, as who is cheapest may change now.
I dont know about any worries with it being in the public domain - the cat s/n status will stay with the car, itll flag up to any insurer when you give them the reg. Itll flag to any buyer if you sold the car and they did a hpi check.
Never heard of an insurer requesting proof of repairs, though, how you get the repair done and how you document the repair will affect its resale value.
Thanks. I actually settled the claim directly through the 3rd party insurance. Reported it to my insurance but the claim wasn't with them. Would this still affect my no claims bonus?Secondly, the car itself may actually be cheaper to insure - after all, its now worth less than a non write off car. But youll likely need to do a compare the meerkats, as who is cheapest may change now.
I dont know about any worries with it being in the public domain - the cat s/n status will stay with the car, itll flag up to any insurer when you give them the reg. Itll flag to any buyer if you sold the car and they did a hpi check.
Never heard of an insurer requesting proof of repairs, though, how you get the repair done and how you document the repair will affect its resale value.
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outnumbered said:
Looks great...
It probably is written off as Cat S because the impact will have damaged the chassis behind the bumper and the car looks like it's not worth much to start with. What is that bit of rusty metal poking through the bumper in the first picture ?
I think it’s the plastic bumper mounting point, and I agree with you, maybe some minor rear chassis distortion or a slight crimp or bend, enough to make it a cat S but the car is still fine to drive and use.It probably is written off as Cat S because the impact will have damaged the chassis behind the bumper and the car looks like it's not worth much to start with. What is that bit of rusty metal poking through the bumper in the first picture ?
OP keep the car, keep the money and just run it as a shed until it’s time to change .
fourstardan said:
1. Surely the Catalytic convertor is worth more than the car now
2. The overall work here would need the tailgate replaced so more than just the bumper
1. Most probably. Actually had it stolen a few years back but got it replaced through the insurance. 2. The overall work here would need the tailgate replaced so more than just the bumper
2. Yeah that's why I'm not bothering getting it fixed as there is damage to the boot lid too
Insurers only seem to employ clueless morons that follow the call-centre script these days!
My nephew's BMW E46 Touring got declared a Cat S based purely on photos from his phone, when it should have been a Cat N.
A new wing and a used bonnet got it looking like this.
My E90 is a Cat N thanks to the insurer of the driver who hit it in the rear and their nominated repairer that managed to come up with an estimate of over £2K.
They are just clueless script-followers/button pushers who never bothered to send anyone to see the cars in question.
My nephew's BMW E46 Touring got declared a Cat S based purely on photos from his phone, when it should have been a Cat N.
A new wing and a used bonnet got it looking like this.
My E90 is a Cat N thanks to the insurer of the driver who hit it in the rear and their nominated repairer that managed to come up with an estimate of over £2K.
They are just clueless script-followers/button pushers who never bothered to send anyone to see the cars in question.
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