VW Polo GTI - 2015 Cat C - Help and Advice
VW Polo GTI - 2015 Cat C - Help and Advice
Author
Discussion

anonymous-user

Original Poster:

72 months

Thursday 22nd June 2017
quotequote all
Anyone on here own one of these? What are they like to drive, use everyday. I have seen a little Polo that I know my brother was keen on, he has been looking at one for a while. He said that he found this one: http://www.phantommotorcompany.co.uk/used-volkswag...

Its a Cat D, now I have never bought a Cat car before, so generally just after some advice that I can pass on to him, he is away on holiday at the moment, but I know he is keen on getting one.

tektas

293 posts

117 months

Thursday 22nd June 2017
quotequote all
It says in the advert that there was no damage to the car? How can it be Category D?

SonicShadow

2,452 posts

172 months

Thursday 22nd June 2017
quotequote all
I would want to see photos of the pre-accident damage. Insurance categorisation is purely financial - Cat D can be quite substantial on a new car as it's worth a lot more. A dent in a door on a car that's worth 1k could see it being a cat D or even Cat C.

anonymous-user

Original Poster:

72 months

Thursday 22nd June 2017
quotequote all
tektas said:
It says in the advert that there was no damage to the car? How can it be Category D?
Do you think because it was stolen then recovered?

anonymous-user

Original Poster:

72 months

Thursday 22nd June 2017
quotequote all
SonicShadow said:
I would want to see photos of the pre-accident damage. Insurance categorisation is purely financial - Cat D can be quite substantial on a new car as it's worth a lot more. A dent in a door on a car that's worth 1k could see it being a cat D or even Cat C.
I will ask can they provide that, I am not familiar with how it all works to be honest with the category of car damage, I know a Cat D is minor damage.

SMB

1,523 posts

284 months

Thursday 22nd June 2017
quotequote all
rdb85 said:
I will ask can they provide that, I am not familiar with how it all works to be honest with the category of car damage, I know a Cat D is minor damage.
cat d on a nearly new car may not be minor damage, cat d means in theory the repair cost is less than the current value but they decided not to repair and auction the car off to recover part of their costs, cat c means repair costs exceed current value ( but it may be economic to repair outside their network using cheaper or second hand parts) hence why others still repair them.

so cat d on a nearly new car could be a large amount of damage. if nothing is obvious it may be either stolen recovered after payout, flood damaged, or a ringer.

anonymous-user

Original Poster:

72 months

Thursday 22nd June 2017
quotequote all
Thanks for that, so do you reckon its worth a purchase. Or would you say look at the same car just pay that bit more for it?

Croutons

12,118 posts

184 months

Thursday 22nd June 2017
quotequote all
Presumably this is cheaper than a non-Cat D car?

Presumably you can also work out when you sell, it will have to be cheaper than the other non-Cat D cars?

Presumably you can also work out every other possible buyer, when it comes to you selling, will go through the same angst you are?

Which if you intend to keep it forever might be fine. And if not...

anonymous-user

Original Poster:

72 months

Thursday 22nd June 2017
quotequote all
Croutons said:
Presumably this is cheaper than a non-Cat D car?

Presumably you can also work out when you sell, it will have to be cheaper than the other non-Cat D cars?

Presumably you can also work out every other possible buyer, when it comes to you selling, will go through the same angst you are?

Which if you intend to keep it forever might be fine. And if not...
Presumably you can also work out when you sell, it will have to be cheaper than the other non-Cat D cars? - that will be true, its about 7k less than a new one.

I understand what you are saying, it depends what the actual damage is, But you also have to weigh up the cost of a new car, then the loss after 5 years.

Saleen836

11,999 posts

227 months

Thursday 22nd June 2017
quotequote all
Or... it could be a minor bump and the dispute over who was at fault took so long the cost in the end including a hire car made them decide to write it off and become a Cat D

anonymous-user

Original Poster:

72 months

Thursday 22nd June 2017
quotequote all
So the dealer has said:

The vehicle was stolen recovered.

It got stolen from the owners home then they found it up in Scotland in a container. There was no damage sub-stained all that was done was they had pinched the wheels.

Scottie - NW

1,381 posts

251 months

Thursday 22nd June 2017
quotequote all
rdb85 said:
So the dealer has said:

The vehicle was stolen recovered.

It got stolen from the owners home then they found it up in Scotland in a container. There was no damage sub-stained all that was done was they had pinched the wheels.
Dealers are prone to tell porky pies and lie through their teeth, so personally I'd want solid confirmation of that and written proof.

Also, from experience of people I know who have bought Cat C or D cars they found them next to impossible to shift privately and the trade didn't want to know.

anonymous-user

Original Poster:

72 months

Thursday 22nd June 2017
quotequote all
Scottie - NW said:
Dealers are prone to tell porky pies and lie through their teeth, so personally I'd want solid confirmation of that and written proof.

Also, from experience of people I know who have bought Cat C or D cars they found them next to impossible to shift privately and the trade didn't want to know.
That is worth noting. I know a brand new one is about £17k

MissChief

7,631 posts

186 months

Thursday 22nd June 2017
quotequote all
As above really. If he intends to keep it for a long time and can get written documentation confirming the details of the Cat declaration then, after going over it with a fine toothed comb, go for it.

Krikkit

27,584 posts

199 months

Thursday 22nd June 2017
quotequote all
Considering an unabused one is only £1500 more, I think you'd be soft in the head to buy a Cat car.

http://www.autotrader.co.uk/classified/advert/2017...

anonymous-user

Original Poster:

72 months

Thursday 22nd June 2017
quotequote all
They said: we have a hpi reports. I can also get the previous owner to have a chat with you who the car got stolen from.

anonymous-user

Original Poster:

72 months

Thursday 22nd June 2017
quotequote all
Krikkit said:
Considering an unabused one is only £1500 more, I think you'd be soft in the head to buy a Cat car.

http://www.autotrader.co.uk/classified/advert/2017...
That is true, I would probably only do a 40 mile radius

anonymous-user

Original Poster:

72 months

Thursday 22nd June 2017
quotequote all
There is this: http://www.autotrader.co.uk/classified/advert/2017...

Is the heated seats an added extra do you think? They are nice.

MissChief

7,631 posts

186 months

Thursday 22nd June 2017
quotequote all
The silver looks much nicer than the white IMO.

Scottie - NW

1,381 posts

251 months

Thursday 22nd June 2017
quotequote all
Also with it being stolen recovered they can't just say no damage done with any certainty.

For all they know it could have been ragged from cold, 8k rpm in first, and been totally abused as a stolen car causing future problems to be built up and hidden.

Yes any car can be driven with no mechanical sympathy, but generally those that buy them new look after them better than a thief would.