My mates just found out his car is cat c

[jonnytheboy]

My mate was going to trade his BG182 '04' in this week until the dealer phoned him to say the deal was off as his car came back as a CAT C write off!!! Now he doesnt know what to do.

should he; Sell it private ( if so how much? )
Burn it

What would any of you's do????

 

[Revels]

Sell it and advertise that it's CAT C and accept the money for it. £3.5k.

 

[dmn1989]

where did he buy it from, and when was it?

 

[DrR]

Surely his own fault for not HPi checking it?

 

[Daniel]

Surely his own fault for not HPi checking it?

This.

Complete schoolboy error and he'll suffer financially.

 

[R-Sport.]

My mate was going to trade his BG182 '04' in this week until the dealer phoned him to say the deal was off as his car came back as a CAT C write off!!! Now he doesnt know what to do.

should he; Sell it private ( if so how much? )
Burn it

What would any of you's do????

Sell it Private--bout 2.5-3k
He will get 0% cash payout on a claim IIRC- as the cars already had the value out on it-

S

 

[Spongebob 172]

I always thought it showed up on the logbook if it was cat a,b,c,d...obviously im wrong in thinking this

 

[SteveS Cup]

He'll suffer BIG time... but a silly mistake... for the sake of what, £15 it may of saved him £2000.

 

[SteveS Cup]

I always thought it showed up on the logbook if it was cat a,b,c,d...obviously im wrong in thinking this

Nope... Only way of finding out is an HPI check.

 

[SteveS Cup]

Sell it Private--bout 2.5-3k
He will get 0% cash payout on a claim IIRC- as the cars already had the value out on it-

S

I thought that... so don't burn it!

 

[Daniel]

Nope... Only way of finding out is an HPI check.

I think a C shows up doesn't it? As it needs to be Vic checked? Surely if the Doovla are going to do a vic check they will make a note on the V5??

 

[Scott S]

Could he not just keep it?

Also, has he checked himself. Dealer may have made a mistake, doubtful but you never know.

 

[Dave..]

Cat C isn't so bad.

 

[MikeB]

Fire.

 

[Gumby]

I think a C shows up doesn't it? As it needs to be Vic checked? Surely if the Doovla are going to do a vic check they will make a note on the V5??

Cat C says so in the V5 iirc; Cat D doesn't. You should know

 

[jonnytheboy]

He bought it off one of his mates!! . . . . Trust no one! Its a shame really its a nice car, The garage offered him £3200 for it before they knew it was a cat c.

 

[Daniel]

Cat C says so in the V5 iirc; Cat D doesn't. You should know

I don't touch the s**t!

Selling categoried cars is for mugs!

 

[Daz.]

Sell it Private--bout 2.5-3k
He will get 0% cash payout on a claim IIRC- as the cars already had the value out on it-

S

I never knew that?

So if you buy a cat c car and write it off you get no payout?

 

[Gumby]

I don't touch the s**t!

Selling categoried cars is for mugs!

I know you don't, I meant you'd probably know what to look out for

 

[CuppyDean]

He bought it off one of his mates!! . . . . Trust no one! Its a shame really its a nice car, The garage offered him £3200 for it before they knew it was a cat c.

Nice to know a mate stitched him up, good friend he is, what a wa*ker

 

[Dave..]

Sell it Private--bout 2.5-3k
He will get 0% cash payout on a claim IIRC- as the cars already had the value out on it-

S

Sorry? Are you saying that if I crash my car, I won't get a pay out from my fully comprehensive insurance, because some other insurance company has already paid some bloke in Yorkshire for crashing my car before I owned it?

 

[jonnytheboy]

He did one of those cheap car check online things before he bought it and it came back as a fiat punto yet he still bought it

 

[Daniel]

I know you don't, I meant you'd probably know what to look out for

Tbh mate, I don't!

I just assumed that if a car needs a vic check, surely the doovla would put it on the V5.

I hpi everything, from a £50 banger to a £10k Merc. Its foolish not to!

 

[jonnytheboy]

Sell it Private--bout 2.5-3k
He will get 0% cash payout on a claim IIRC- as the cars already had the value out on it-

S

I think you get 50% pay out

 

[dmn1989]

big mistake from him then.

if he bought it from a dealership then he'd have some sort of comeback

 

[Dean.]

I never knew if you buy a cat c or d car you don't get a full payout if you claim?!

 

[Gumby]

Tbh mate, I don't!

I just assumed that if a car needs a vic check, surely the doovla would put it on the V5.

I hpi everything, from a £50 banger to a £10k Merc. Its foolish not to!

Fair do's, I know I would do that too if I did what you do!

Is it not worth the chap doing his own HPI check, just to confirm which category it is/was?

 

[JohnnyE]

Get some pics up

 

[Revels]

You do still get a payout. Maybe not as much as your car isn't worth as much, which I think is what Steve was trying to say.

 

[Daniel]

You do still get a payout. Maybe not as much as your car isn't worth as much, which I think is what Steve was trying to say.

I always thought it was a third of bottom book value?

 

[jonnytheboy]

Fair do's, I know I would do that too if I did what you do!

Is it not worth the chap doing his own HPI check, just to confirm which category it is/was?

He's going to do a proper HPI check 2moro. I've just done a online check and its come back as a punto again.:S

 

[ekaJ]

wounded

 

[Chili Red]

Stolen plates?

Sounds a bit dodgy, and what kind of mate sells you a Cat C car without telling you?

 

[jonnytheboy]

I'm puzzled. Thank god its not mine.

 

[Ed]

He's going to do a proper HPI check 2moro. I've just done a online check and its come back as a punto again.:S

You sure its not on stolen plates?

 

[Seb25]

Cat C shows up on your V5/Logbook/Reg doc.

As some people have proven, Cat C a lot of the time means nothing, say your 172 is worth £2500 and you bump it into a wall and the damage it causes is an alloy, side wing and a bit of your bonnet, chances are with an approved repairer they would charge almost that to sort it and get the replacement bits - that would technically be a write off but the car once fitted with a new wheel, wing and resprayed bonnet would be as good as new...

If you are Fully Comp insured, you will be paid the value of the car, otherwise there would not be much point in having Fully Comp would there...

I work in Claims! ha

 

[R-Sport.]

For the couple of questions around Value-

I was Quoted 50% book on Cat D & next to Zero % book on Cat C-

If your going to buy a salvage car check with your insurance company what the payout is-

Whatever the case its worth checking with your insurance company

S

 

[R-Sport.]

Whoevers car this is Check the CAT C isnt applied to a plate that was on the car previous-

S

 

[Seb25]

He's going to do a proper HPI check 2moro. I've just done a online check and its come back as a punto again.:S

As a quick test, go on the DVLA website and selecting enquiry on the left side, that will give you some details, usually whether it needs a VIC, what make it is and when the tax is due.

Report back!

 

[Revels]

For the couple of questions around Value-

I was Quoted 50% book on Cat D & next to Zero % book on Cat C-

If your going to buy a salvage car check with your insurance company what the payout is-

Whatever the case its worth checking with your insurance company

S

That's quite scary really. A lot of people will be driving cars they have no idea are categorised and risk tiny payouts.