Cat C/D insurance value?

[Byard]

If you get a payout for your car, does the insurance company pay book price or decrease the value if it is a cat d etc?

[ZOLLAR]

Byard said:

If you get a payout for your car, does the insurance company pay book price or decrease the value if it is a cat d etc?

Is it a CAT D before the accident?.

[Byard]

Yes

[ZOLLAR]

Byard said:

Yes

Then the insurer would decrease the payout as the value is lower than that of a non write off vehicle.

HTH

[Noisy]

Mine still paid more than I gave for the car.

[Ray Singh]

In my experience (only three cars written off) they pay book price and dont bother looking up old history if the car is of a low value.
I guess the chance of them checking history prior to accident, increases with value of car.

The 944 turbo i had was a £8k payout and they didnt bother checking that it was a CAT D before my crash.

[Byard]

ZOLLAR said:

Then the insurer would decrease the payout as the value is lower than that of a non write off vehicle.

HTH

Makes sense or you could just buy a cat C car for half the price and accidently crash it.

[nouze]

Ray Singh said:

In my experience (only three cars written off)

WHAT? How much is your premium if you don't mind me asking

[Byard]

Only 3? How long have you been driving?