Cat -D Car Insurance

[shortshiftin]

I've just been offered a 993 at an absolute steal of a price, the only trouble is it has been registered as a CAT- D write off. I have had quotes for the work to be complted and it all still makes it a cheap car but am i going to get into grief when i come to insure it? Surely if a car has been piad for once by an insurance company they wont pay out on it again?

any help would be hugely appreciated

[rubystone]

If you get it autoligned it ought to be OK but be aware that its resale value will be at least 33% less than if it were not on the register and that some insurance companies do ask whether the car to be insured is a write-off or not

[warmfuzzies]

If it were me, and I were going to keep the car for say 5 years or so, I'd seriously consider it if:-

a, the price was right.
b, the car was PROVEN to be straight and true.

kevin

[ninemeister]

rubystone said:

If you get it autoligned it ought to be OK but be aware that its resale value will be at least 33% less than if it were not on the register and that some insurance companies do ask whether the car to be insured is a write-off or not

The Autolign test is incredibly stringent, if it passes this their view is that the car is worth full market value, although in practise expect to pay & sell for 10% less than market value. After teting the car will be moved onto a "condition inspected" register, rather than the "condition alert" (cat D/C/etc.) register, which effectively means that it is as a good repair & more than just roadworthy.

Also be aware that most cars have been damaged at some point in their life, and in my opinion most of the non-categorised OPC repaired cars that we have seen would not pass the Autolign test, so do not assume that a non-cat car is one that has had no damage.

[rubystone]

ninemeister said:

rubystone said: If you get it autoligned it ought to be OK but be aware that its resale value will be at least 33% less than if it were not on the register and that some insurance companies do ask whether the car to be insured is a write-off or not The Autolign test is incredibly stringent, if it passes this their view is that the car is worth full market value, although in practise expect to pay & sell for 10% less than market value. After teting the car will be moved onto a "condition inspected" register, rather than the "condition alert" (cat D/C/etc.) register, which effectively means that it is as a good repair & more than just roadworthy. Also be aware that most cars have been damaged at some point in their life, and in my opinion most of the non-categorised OPC repaired cars that we have seen would not pass the Autolign test, so do not assume that a non-cat car is one that has had no damage.

I don't dispute the facts Colin, but you try to find a trader that'll pay you trade less 10% for a car that is on the register and I'll make sure he gets plenty of business! As to your remarks on OPC repairs - this must surely be geographical - certainly, my local OPC's standards of body repair are impeachable (I live in Essex BTW)...

>> Edited by rubystone on Monday 22 August 09:45

[funinthesun]

rubystone said:

I don't dispute the facts Colin, but you try to find a trader that'll pay you trade less 10% for a car that is on the register and I'll make sure he gets plenty of business! As to your remarks on OPC repairs - this must surely be geographical - certainly, my local OPC's standards of body repair are IMPEACHABLE (I live in Essex BTW)... >> Edited by rubystone on Monday 22 August 09:45

sure you meant that??