DIFFERENCE BETWEEN CAT C AND CAT D

[muddydisco]

Whats the difference between [/b]CAT C & CAT D. Is it right i,m thinking

Cat c - Does it req a vic check & mot

Cat d - does it just req a mot test

muddydisco

[ESSEXBULLDOG]

Cat Ds can be good buys, especially older ones

Category D - Repairable salvage. Minimal damage, probably not structural, but insurer does not want to repair, even though it might be economic to do so. Often stolen and recovered after claim has been paid. Or for unusual models or grey imports where the difficulty of obtaining new parts hinders a quick repair. Does not need VIC inspection to return to road.

Cat C is repairable but needs a VIC inspection, ( csots about £40 to establish that the vehicle is what it claims to be ( Not a ringer)

Cat B and A are not repairable and must be crushed .

There is a huge amount of nonsense spouted about write offs, a one year old car costing £ 10 000 new in a serious crash needing £2500 to repair would be repaired by the insurance, a 3 year old with the same damage would probably be cat C, so why is it unsafe to drive a cat C write off?.

Cat D is easily repairable, possibly not needing repair if you can live with dents and scratches such as if it had been stolen and recovered.

The ones to watch out for have been damaged when nearly new,
the paint will fade, panel fit can be dodgy, tyre wear, pulling to one side, electric faults from wrongly positioned wiring, all sorts of potential problems lurk, avoid like plague because folk still want top price.

Again getting a bad press are two halves welded together, "Cut and Shut" if done well no one will know, the trick is to use two halves the same colour or else there will be evidence of the old colour on one half no matter how thorough the re spray. welds where welds should not be and respraying inside the car are give aways. Many Minicabs are cut and shuts.

Some people take a contribution towards the cost of repairs from the insurance company, rather than let the car be written off, I got £ 1800 for damage to my car which suffered dashboard and seat damage when stolen, my wife stitched the seat, I fitted second hand door and steering locks which I rebuilt to take the original single key, Secondhand dip switch, and second hand dash, cost about £200 plus my time, 6 hours perhaps,

Hope this helps
i found it on the web

[Range Rover Blues]

The insurance insisted that Janes RRC was a Cat B and tried to take the keys off her 4 times, even though tey hadn't made an offer.
The assesor reconed it would cost £10,000 to repair using new parts.

I pointed out that when the car was new it was worth £40 (in today's money) so they were talking tosh.  Especially as they had quoted me to insure a Dakar based on the same car.

Suddenly they think the car is worth £875 for salvage.

Go figure.

Once again it's a pointless peice of beurocracy for motor manufacturer's to get their own way.

AFAIK cat A are mandatory crush, fire damage or RTA involving a fatality
Cat B are salvage only, though they won't let you keep it.  These are the ones you hear of ending up back on the road after the insurance company sell them on through "the trade".

[barmiebrumie]

Cat A   crush only (burn outs ect)

Cat B  break only (v5 is kept by dvla)

Cat C is repairable but will require inspection by vosa before you can get a v5 for it

Cat D is also repairable but does not require a vosa inspection.

As said some times it easyier & cheaper for the insurance company to pay you out as ''cash-in-lue'' of repairs.

Insuranse company's can no longer  sell Cat B ''through the trade'' as they have no v5 for them.

Hope this helps.

[S188]

I once looked into buying a 2CV that had been written off my directline.  I wonder what catagory writeoff that had been? B or C (most likely) I guess.

Basicly the C reg "banger" had been envolved in a very minor bump and had a loose front wing with a small dent in it to show for it.  The owner must have claimed for it, presumably for personal injery or something and the car was written off due to its age (many insurers write off cars over 10 years old as they must be worthless at that age).

As Direct line don't alow salvage this evidently once loved car ended up in a scrappy the insurer often uses for desposals, and the prefeous owner would not have need told where it went.  This is where it was found minus paperwork by the guy selling it.

Though it was a solid car what put me off the idea of it was it apeared to have been rechassis'd at some point in its life with a non galv item, so was suspected as being second hand.  Didn't like the idea of taking something like that for a VIC as it could easilly go wrong.

On another note a friend of mine had a rear end shunt in her J reg pug 205D by a 7 ton truck.  result, bad neck and a dented boot door.  Car was written off in the claim, she bought it back for under £100 (which gave her plenty of change from the payout for it), along with a new boot complete with GTI spoiler.  Still a good car!  Nice to know a perfectly good runaround wasn't needlessly crushed.  She recently sold it for £400 I think.  I think the V5c stated it had been written off and returned to the road, but the buyer was still happy, why not, there was blatently nothing wrong with it!  I guess from the insurers point of view though messing about with a car worth £400max and getting it repaired profesionally so it has a warantee and proved standard is totally uneconomic but becomes a good deal for a private indevidual with a set of spanners and a £20 pannel from the breakers.

[Bunnie]

A friend of mine had a similar accident to the above mentioned Pug.. She recieved £250 for the car and got it repaired. i think 6 months later she had a serious accident in it where a Volvo jumped the red light @ 40mph and smashed into the side of her. she recived £350 for the car!?