Car Write off and Cat markers
Discussion
My car was hit by another car over night a few months ago, fortunately the driver left the details and his insurance company dealt with it, however the car was declared a write of and I was given the opportunity to buy back the car and get it repaired myself, which I did.
Question I have is how long does it take for the car to appear as a write off on the HPI database, I did a text check a few days ago and its showing as all clear.
Reason I am asking is I was talking to a colleague earlier and he said if the car is a cat c I should not be using it until I get a vic check carried out, however if it’s a cat d then its no issue at all. Hence the reason for me doing the hpi text check
Question I have is how long does it take for the car to appear as a write off on the HPI database, I did a text check a few days ago and its showing as all clear.
Reason I am asking is I was talking to a colleague earlier and he said if the car is a cat c I should not be using it until I get a vic check carried out, however if it’s a cat d then its no issue at all. Hence the reason for me doing the hpi text check
Can't comment on how long the database takes to update but you can work out if your is Cat C or D by the repairs done. Cat D is just bodywork but it gets written off as 'uneconomical to repair'. So £3k worth of bodywork repairs on a £4k car is going to write it off. There is nothing really wrong with the car just the insurance company deem it too expensive to bother repairing.
A Cat C on the other hand is structural and a write-off because the vehicle is unroadworthy (bent/twisted chassis, serious damage to suspension mountings etc.) which you would know just by what items had to be repaired.
I may not be spot on acurate but it is my understanding of it all, hope it helps.
A Cat C on the other hand is structural and a write-off because the vehicle is unroadworthy (bent/twisted chassis, serious damage to suspension mountings etc.) which you would know just by what items had to be repaired.
I may not be spot on acurate but it is my understanding of it all, hope it helps.
RZ1 said:
The damage was drivers side door, drivers window, wing mirror, front wing, which the insurance company said worked out to be around £1800 whilst the car is probably worth around £3500.
Sounds like a Cat D then. But the best way to know for sure would be to ring them up and ask them about YOUR car, as that's all that matters.DottyMR2 said:
A Cat C on the other hand is structural and a write-off because the vehicle is unroadworthy (bent/twisted chassis, serious damage to suspension mountings etc.) which you would know just by what items had to be repaired.
I may not be spot on acurate but it is my understanding of it all, hope it helps.
As posted later the categories are purely financial. Cat C does not mean structural damage. I had a Cat C XJ8 with a dented bootlid and creased rear bumper. Changed the bootlid, heat gun on the bumper, some paint and it was as good as new.I may not be spot on acurate but it is my understanding of it all, hope it helps.
Jagmanv12 said:
DottyMR2 said:
A Cat C on the other hand is structural and a write-off because the vehicle is unroadworthy (bent/twisted chassis, serious damage to suspension mountings etc.) which you would know just by what items had to be repaired.
I may not be spot on acurate but it is my understanding of it all, hope it helps.
As posted later the categories are purely financial. Cat C does not mean structural damage. I had a Cat C XJ8 with a dented bootlid and creased rear bumper. Changed the bootlid, heat gun on the bumper, some paint and it was as good as new.I may not be spot on acurate but it is my understanding of it all, hope it helps.
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