Cat D?

Hoaxy · Dec 4, 2009

=(

Smashed my 172 cup up earlier. Gutted to say the least, it was only on 28k! I'm really uncertain as to whether or not it'll be a write off, however I was just thinking. IF it's fixable, am I right in thinking that it HAS to be classed as cat d? And from experience does anyone now how much this is gonna effect it's overall value?

I'm thinking at the moment that it may work out better if my insurance company were to actually declare it as a write off.

Nickharding · Dec 4, 2009

If its written off and the buy it back price aint to high, buy it back and break it for parts

, Fast money right there.

Got any pics of your smash? .. Sorry i cant help with your question.

W17GLE · Dec 4, 2009

you'd be better if they write it off as cat d cars put people off for resale and when i crashed mine greenlight said even if it got repaired they wouldn't insure the car again as the don't insure cat c/d cars.

W17GLE · Dec 4, 2009

breaking for parts is a real nightmare i did it with mine and it was stuck in my backyard for months with bits missing while people tried to get parts off me for next to no money. Its far easier to just let the car go i'd never buy one back again.

cat171 · Dec 4, 2009

What bits does it need ? What & where is bent on it ?

iimushroomzii · Dec 4, 2009

Pics and an explanation needed or this will go nowhere

Hoaxy · Dec 4, 2009

Basically the entire passenger side is f*cked.

I'll get some pics up tomorrow but it need a new wing mirror, new door, skirts, rear quarter, front splitter and rear bumper. There may be also be damage to the front axel (steering is really shakey).

Nickharding · Dec 4, 2009

"Basically the entire passenger side is fucked."

And your asking if its going to be written off?

Some people shock me on here.

Hoaxy · Dec 4, 2009

My question isn't whether or not it's fixable. It's whether or not being registered as Cat D/C will have a much effect on the value of the car.

Ben · Dec 4, 2009

I think my car is Cat C :S

W17GLE · Dec 4, 2009

yes it will devalue the car

Hoaxy · Dec 4, 2009

Nick - Thanks for the input. Very helpful.

iimushroomzii · Dec 4, 2009

Nickharding said:
"Basically the entire passenger side is f**ked."

And your asking if its going to be written off?

Some people shock me on here.

Maybe the Rear 1/4 could be repaired, then door, wing, bumper would be cheap enough? Pics explain all tbh

Nickharding · Dec 4, 2009

As said above, pics are needed or nothing can be said, do you have any pics?

Hoaxy · Dec 5, 2009

As stated previously, the amount of damage to my car seems irrelevant. I'm not looking for advice in that respect, although it really is appreciated that you're trying to help. I was just asking whether or not being registered as cat d would have a detrimental effect on the value of the car. Just as a generality. I mean, Cat D is Cat D, right? Surely the damage is irrelevant.

I was hoping to get around £4.5k for mine if I were to sell it (prior to the accident). Whereas even though my insurance company could potentially fix it, I was thinking that if its going to depreciate the value of the car to the point of say £3k then maybe it's not worth it. Surely it would work out better to get a cheque of my insurance for say £4k?

Sorry for the generalities and naivity it's just something I don't know a great deal about.

cat171 · Dec 5, 2009

Yep it'll be worth less if it's recorded. Tops (pre accident) i'd say your car was worth 4k, if it's recorded it'll only be worth about 2k - 2.5k I'd see what they say tbh.

Also, if it is recorded whoever buys it won't get the full market value if it's crashed again etc as they've already paid out on it.

Hoaxy · Dec 5, 2009

Just the answer I was looking for, thanks mate. Although. £4k? really? with only 28k on the clock. s**t. =(

cat171 · Dec 5, 2009

Yep, sadly that's how cheap they've become. There are lots around for less, but I reckon they won't be immaculate etc. Assuming yours is mint, I reckon 4k is a fair price.

Hoaxy · Dec 5, 2009

WAS mint lol. Just had a browse on pistonheads. All of these have (or had) a higher milage than mine and are going for around £4.5k give or take.

http://www.pistonheads.com/sales/1210270.htm
http://www.pistonheads.com/sales/1365670.htm
http://www.pistonheads.com/sales/1342257.htm
http://www.pistonheads.com/sales/1238263.htm
http://www.pistonheads.com/sales/1323053.htm

cat171 · Dec 5, 2009

They are all very over priced (imo) The dealer ones aren't worth 5k at all, I bet whoever bought them knocked a grand off with not much fuss.

Hoaxy · Dec 5, 2009

Guess I'll see what the insurance say. I'm guessing it'll be around the 4k mark anyway. lol The bottom line is.. If they can fix it, I lose out. lol

Thanks for the help bud.

cat171 · Dec 5, 2009

No worries, see what they say & let us know. If you can get pics up on here that will help etc.

alanc1000 · Dec 5, 2009

i reckon CAT D will make it about 40% less, however the biggest problem won't be its value, it will be finding a buyer and thats where any potential buyers will hammer you on your asking price.

Sorry to hear about the crash!

Ad · Dec 5, 2009

Just to clarify, if your insurance decided to repair the vehicle it will NOT be classfied. CAT D or C etc only happen in the event of a write off and is directly related to the value of the car and the cost of repair.

So for example a clio 200 with 4ks worth of damage would not be written off or classfied. However you cup would be written off classified.

If you buy back the vehcile damaged and repair it yourself then it woud be classified.

Hope that alll makes sense!

Revels · Dec 5, 2009

Yup. Which does make a bit of a mockery of the angels that would 'never touch a cat d' car.

Like Ad says, a 200 would need a mass amount of damage to write it off. So it could have far more damage than a 172 Cup would need and it would be back on the road and you'd be non the wiser.

What Cat says is pretty accurate with regards to prices. I'd let the write it off. Buying it back to fix it is a 99% a waste of time. Breaking it, unless you have the patience of a saint, equally so.

Pearcy · Dec 5, 2009

It's not hard to sell a car on the list at all, we had 200+ people ring for my mums cat B golf gti. Just has to be the right price....

Hoaxy · Dec 5, 2009

Ad said:
Just to clarify, if your insurance decided to repair the vehicle it will NOT be classfied. CAT D or C etc only happen in the event of a write off and is directly related to the value of the car and the cost of repair.

So for example a clio 200 with 4ks worth of damage would not be written off or classfied. However you cup would be written off classified.

If you buy back the vehcile damaged and repair it yourself then it woud be classified.

Hope that alll makes sense!

WOW! Ad you really are a star! I had no idea that this was the case. Let's hope they can bloody fix it then eh? Cheers mate, really appreciate it!

Ad · Dec 5, 2009

No problem at all mate. Good luck with getting situation sorted one way or another.

tyranical · Dec 5, 2009

Pearcy said:
It's not hard to sell a car on the list at all, we had 200+ people ring for my mums cat B golf gti. Just has to be the right price....

I assume this "cat B" wasn't being used on the road? Or have you just jumped head first onto the failboat?

"Category B Insurance Write Off - the vehicle must not be used again but non- structural and roadworthy parts and components may be recovered for use in other vehicles. Care must be taken to ensure that they are not critical components with important safety functions."

_WILL_ · Dec 5, 2009

I'm gutted for you, hope it does get fixed mate would be a shame to write off one with such low mileage. What happened? Were you at fault?

Have you had chance to get it accessed for repair quote and have you already informed your insurance? It might be worth fixing it privately, then there will be no record of a crash??

Plus I think I paid a little to much for my cup, lesson learnt for me hey?

Tobs · Dec 5, 2009

thought cat ds where just panel cosmetic damage?

i bet there write it off as thats all they seem to do laterly :S

Ad · Dec 5, 2009

Decision to write off gets more likely as cars get older and worth less.

If the cost to repair + the predicted salvage= greater than value of the car then a total loss is declared

so if you do 3ks worth of damage and they can get 1.5k for the damaged vehicle it would have to be worth 4.5k plus your insurance excess value not to get written off. Most insurers work on a 60-70% write off value. Isnt a strict rule as an element of risk is included as well in idividual cases.

jaysjetski · Dec 6, 2009

Category D is an insurance write off that typically was rated at more than 60% but less than 100% of the car's cost to repair.

Category C - Repairable salvage. Usually applies to vehicles with significant (structural) damage, where cost of repairs exceeds book value.

Cat A - The Car should be scrapped and no parts can be taken from it.

Cat B - The Car should be scrapped but certain parts can be taken from it.

the main question is?? is the A,B or C pillars damaged? is the roof dented or twisted then that mean it will be a A or B write off.

like someone else has said have you told the insurance company, if you could afford to sort the problem yourself then you wont need to worry about cat A,B,C or D and you could keep the full value(if you dont mind lying to the next buyer)

And yes it will almost half the value.

hope this help

Hoaxy · Dec 6, 2009

Woah, to many questions, where do I start? lol

I've informed my insurance company, however as I have a £550 excess (ridiculous, I know!) on my policy they have suggested that I may prefer to get it fixed privately and avoid losing my no claims. However I can see the damage being quite pricey and I'll only lose 2 years ncb apparently, so I figure I may aswell go through the insurance.

The way I see it is, if they write it off I should get a cheque for about £4k/4.5k (minus the excess) from the insurance.

If they fix it it'll cost me £550 and given that what Ad has said is correct (I don't doubt you for a sec mate) my car WON'T be classified as cat D and so it'll maintain it's value.

So essentially, regardless of the outcome, I shouldn't really lose out too much.

jaysjetski - I think it's just panel damage. It's all the lower passenger side from the door to the rear arch. It appears that nothing is twisted, well it's not visually obvious anyway.

With regards to..

"if you could afford to sort the problem yourself then you wont need to worry about cat A,B,C or D and you could keep the full value(if you dont mind lying to the next buyer)"

As Ad pointed out, I don't need to fix it privately for this to be the case, as it won't get classified if the insurance repair it. It's only if they wite it off, I buy it back and then repair it afterwards through my own funding (right Ad?)

Apologies if this makes little sense. I've just got back from the pub. I figured that drowning my sorrows was a good idea. lol

Hoaxy · Dec 6, 2009

Ps. FLOL @ the "failboat" comment and thanks again Ad for the extra info.

Pearcy · Dec 6, 2009

tyranical said:
I assume this "cat B" wasn't being used on the road? Or have you just jumped head first onto the failboat?

"Category B Insurance Write Off - the vehicle must not be used again but non- structural and roadworthy parts and components may be recovered for use in other vehicles. Care must be taken to ensure that they are not critical components with important safety functions."

Actually, it was/is being used on the road, in most cases a cat B isn't allowed to be put back on the road, it depends who you buy it off, universal salvage will not allow the cars to be put back on the road and your not allowed to sell the chassis, HBC however don't stipulate it cannot be put back on the road

It does have to have a vic check though.

Peperami · Dec 6, 2009

Hoaxy said:
Woah, to many questions, where do I start? lol

I've informed my insurance company, however as I have a £550 excess (ridiculous, I know!) on my policy they have suggested that I may prefer to get it fixed privately and avoid losing my no claims. However I can see the damage being quite pricey and I'll only lose 2 years ncb apparently, so I figure I may aswell go through the insurance.

The way I see it is, if they write it off I should get a cheque for about £4k/4.5k (minus the excess) from the insurance.

If they fix it it'll cost me £550 and given that what Ad has said is correct (I don't doubt you for a sec mate) my car WON'T be classified as cat D and so it'll maintain it's value.

So essentially, regardless of the outcome, I shouldn't really lose out too much.

jaysjetski - I think it's just panel damage. It's all the lower passenger side from the door to the rear arch. It appears that nothing is twisted, well it's not visually obvious anyway.

With regards to..

"if you could afford to sort the problem yourself then you wont need to worry about cat A,B,C or D and you could keep the full value(if you dont mind lying to the next buyer)"

As Ad pointed out, I don't need to fix it privately for this to be the case, as it won't get classified if the insurance repair it. It's only if they wite it off, I buy it back and then repair it afterwards through my own funding (right Ad?)

Apologies if this makes little sense. I've just got back from the pub. I figured that drowning my sorrows was a good idea. lol

But, as the chances are it'll cost them a lot of money to repair, they may well make that choice for you and right it off. They'll then sell the crashed car cheap to a salvage yard, that may decide to repair it and it'll be on the road as a cat d. The only way i can see you'd end up with a cat d car, is if they wrote it off (washed their hands of it) and you bought it back from them instead of it going to the salvage company.

Hoaxy · Dec 6, 2009

Just found out that if I go through my insurance and lose 2 years no claims, my premium is gonna go up from £80 p/m to £140 p/m. *cries*

Anyone know of any reputable bodyshops in (or near) Stoke?

Cat D?

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