Catagory D write off or not? :S
Discussion
Had a HPI check for a car i want, the guy already told me the previous owner had a bump and the rear bumper and panel was replaced. The hpi check said Cat D write off which means 60% or more of the cars value in damage was done. Now im confused as ive seen the car, been for a test drive etc. The car was in perfect condition.
The claim was made in 2008 which means roughly 15k of damage would have been done? (35k new in 06) so why would someone fix it or is the HPI telling white lies?
Cheers
The claim was made in 2008 which means roughly 15k of damage would have been done? (35k new in 06) so why would someone fix it or is the HPI telling white lies?
Cheers
smiffy180 said:
Had a HPI check for a car i want, the guy already told me the previous owner had a bump and the rear bumper and panel was replaced. The hpi check said Cat D write off which means 60% or more of the cars value in damage was done. Now im confused as ive seen the car, been for a test drive etc. The car was in perfect condition.
The claim was made in 2008 which means roughly 15k of damage would have been done? (35k new in 06) so why would someone fix it or is the HPI telling white lies?
Cheers
Cat D means insurance chose not to repair for a bunch of reasons, by no means does that mean a 15k bill. Was it under 12 months old in that timeThe claim was made in 2008 which means roughly 15k of damage would have been done? (35k new in 06) so why would someone fix it or is the HPI telling white lies?
Cheers
Someone fixed it beacause there was profit to be made.
Cat D, or any Cat rating for that matter, is never done to a fixed % of value, althogh its use as a rough guide.
Get it checked over by someone that knows what they are looking for, unless you are suitably confident.
It should be cheaper to buy than a non Cat'd vehicle, but a Cat rating does not necessarily mean a bad car.
Remember there are plenty of non Cat'd cars out there that may have suffered greater damage or have been repaired to a lower quality,
But they will not show a history due to insurance or private paying the repair bill.
Cat D, or any Cat rating for that matter, is never done to a fixed % of value, althogh its use as a rough guide.
Get it checked over by someone that knows what they are looking for, unless you are suitably confident.
It should be cheaper to buy than a non Cat'd vehicle, but a Cat rating does not necessarily mean a bad car.
Remember there are plenty of non Cat'd cars out there that may have suffered greater damage or have been repaired to a lower quality,
But they will not show a history due to insurance or private paying the repair bill.
You will have plenty of people on here saying you shouldn't buy a cat registered car and all the related 'mates stories' about bodge job fixing and that insurance companies don't insure cat reg cars (which is bs)
I had a cat registered car and it was faultless.
Aslong as you are happy and you get a good price good luck to you fella.
I had a cat registered car and it was faultless.
Aslong as you are happy and you get a good price good luck to you fella.
CampDavid said:
smiffy180 said:
Had a HPI check for a car i want, the guy already told me the previous owner had a bump and the rear bumper and panel was replaced. The hpi check said Cat D write off which means 60% or more of the cars value in damage was done. Now im confused as ive seen the car, been for a test drive etc. The car was in perfect condition.
The claim was made in 2008 which means roughly 15k of damage would have been done? (35k new in 06) so why would someone fix it or is the HPI telling white lies?
Cheers
Cat D means insurance chose not to repair for a bunch of reasons, by no means does that mean a 15k bill. Was it under 12 months old in that timeThe claim was made in 2008 which means roughly 15k of damage would have been done? (35k new in 06) so why would someone fix it or is the HPI telling white lies?
Cheers
CampDavid said:
smiffy180 said:
Had a HPI check for a car i want, the guy already told me the previous owner had a bump and the rear bumper and panel was replaced. The hpi check said Cat D write off which means 60% or more of the cars value in damage was done. Now im confused as ive seen the car, been for a test drive etc. The car was in perfect condition.
The claim was made in 2008 which means roughly 15k of damage would have been done? (35k new in 06) so why would someone fix it or is the HPI telling white lies?
Cheers
Cat D means insurance chose not to repair for a bunch of reasons, by no means does that mean a 15k bill. Was it under 12 months old in that timeThe claim was made in 2008 which means roughly 15k of damage would have been done? (35k new in 06) so why would someone fix it or is the HPI telling white lies?
Cheers
The cost of repair quickly piles up when insurance companies are doing estimates... I bought a cat D Laguna once at auction, to be repaired professionally would have needed a new headlight, wing, bonnet and grille, plus spraying the lot and labour.
I got the wing, headlight and grille from a car the same color in a scrappy, and bent/filled/sprayed the bonnet myself, total cost of repairs £100 or so.
I got the wing, headlight and grille from a car the same color in a scrappy, and bent/filled/sprayed the bonnet myself, total cost of repairs £100 or so.
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