Why would insurer not repair??

[TROOPER88]

Hi
I have just seen this on e-bay:

http://www.ebay.co.uk/itm/2012-12-Reg-VW-Scirocco-...


What I do not understand is why the insurer would deem it an uneconomical repair?

So it is a cat D, I know the insurer has to take into account costs such as hire car charges etc but how can they say that the repair cost is not econmical. It is virtually a brand new car with low mileage.

If it was a cat C I would understand.

Cheers

[folos]

Who knows how badly it was damaged?

[TROOPER88]

folos said:

Who knows how badly it was damaged?

It is a CAT D....

Not A, not B, not C

[mattshiz]

Recovered after they had already paid out?

Im not really too sure how this whole cat a/b/c/d thing works though.

[folos]

Googling cat D write off came up with this:

[TROOPER88]

It must have been stolen.

Insurer paid out. Car found with minor (D) damage.

That is the only explanation.

[TROOPER88]

folos said:

Googling cat D write off came up with this:

Exactly.

Looks just like suspension and panel damage.

Although until on a jig can never be sure.

[tr7v8]

A lot of policies offer a replacement car if it is seriously damaged within a year of registration.

[TROOPER88]

folos said:

Googling cat D write off came up with this:

The Evo is a CAT C.

You have just cut and pasted the image. Read the website it came from......

[AMST09]

Could be a hundred reasons, unless you know what happened you will never know

Is it Cat D if airbags go off? which would be costly
Doesn't take much to write them off tbh
A mate had a hire car for 2months to the tune of £14,000 which is a hell of a lot (rarity of parts made them difficult to purchase)

[oobster]

It could have come down to a close-call because the insurer were unsure of hidden costs involved with the repair - the airbags could have fired, involving a dash repair, the engine could have been damaged + gearbox, full extent of that wouldn't be evident until the engine and box was removed and opened up. There could have been a significant part needed for the repair on back-order at the factory which meant hire car costs would spiral.

[TROOPER88]

AMST09 said:

Could be a hundred reasons, unless you know what happened you will never know

Is it Cat D if airbags go off? which would be costly
Doesn't take much to write them off tbh
A mate had a hire car for 2months to the tune of £14,000 which is a hell of a lot (rarity of parts made them difficult to purchase)

Nothing to do with air bags. Cat D is just the minimal level of damage on the scale.

Very often it is minor panel damage etc

[AMST09]

Fair enough wasn't sure

[C. Grimsley]

As its so new the customer could have requested a new car hence this being cat d, don't forget I bet the accident was some time ago before it went through the processes of repair.

Carl

[LeeMad]

hire inst considered for the write off value. it may have needed radiators, headlights, bonnet, bumper, wings, suspension. who knows

[Robb F]

TROOPER88 said:

folos said:

Who knows how badly it was damaged?

It is a CAT D....

Not A, not B, not C

Yes, but you have no idea how badly it was damaged.

It could have been some bunny boiler's husband's who poured paint stripper all over the paint and interior, or had a baseball bat taken to every panel and window etc etc

[4key]

An example of a 2010 scirroco cat d with front end damage at a salvage auction.

http://www.salvagesparefinder.co.uk/VOLKSWAGEN+SCI...

[edo]

Simple. Insurers can get good money for damaged cars from companies like that selling this car. They also factor in the time it takes to repair and the other costs this incurs; mainly hire cars. A hire car for 4 weeks can cost into thousands of pounds if accident management companies get involved, so cheaper for the insurance company to quickly sell it and pay out.

[Baron Von Alders]

Flood damage could be a reason? They look great when dried out and cleaned but all the electrics corroded

[Captain Cadillac]

If you read the ad the car has been repaired. God only knows what it looked like when it was written off.