FabSwingers.com forum: Cat, C, D vehicles

By (user no longer on site) OP
over a year ago

Are they to be left alone or worth saving a couple of k's, also do they affect insurance?

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By (user no longer on site)
over a year ago

"Are they to be left alone or worth saving a couple of k's, also do they affect insurance? "
I think they are worth is

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By *enard ArgenteMan
over a year ago

London and France

If you know what you are doing to repair them; and can do it economically, then perhaps.

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By *estlands4Man
over a year ago

Sidmouth

Could affect insurance - would need to tell them and don't forget if you then have an accident any payout would take that into account - a lot of times cars are written off but still entirely repairable and safe

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By (user no longer on site)
over a year ago

As far as I'm aware but this is from years back.

Once it's written off its down as as one regardless of the condition of the vehicle, ie stolen recovered, paid out on, but no damage done to vehicle, write off.

And yes it does effect the insurance, how much is anybody's guess work!

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By *enard ArgenteMan
over a year ago

London and France

The Vehicle records will always show that the vehicle has been a cat C or D , even if it has been completely " rehabilitated"

Some insurers don't insure them, some might hike the premium .

It might affect resale value..

But if you can find one with very minor panel damage that can be repaired economically , it may be worth it for a cheap car.

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By *icecouple561Couple
Forum Mod
over a year ago

East Sussex

Entirely worth it if you know what you're at. If you don't though I wouldn't advise it.

I've driven both categories for years quite happily.

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By *icecouple561Couple
Forum Mod
over a year ago

East Sussex

Also from direct experience it doesn't affect insurance premium or pay out in the event of another accident

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By *eavenNhellCouple
over a year ago

carrbrook stalybridge

"Also from direct experience it doesn't affect insurance premium or pay out in the event of another accident"
have had the opposite on a payout lost 25% of value on my farthers car when it was written off and subsequently revealed to be a cat d write off .think it is recorded on the v5 now and testing is a lot more thorough in the event of car being restored

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By *icecouple561Couple
Forum Mod
over a year ago

East Sussex

"Also from direct experience it doesn't affect insurance premium or pay out in the event of another accidenthave had the opposite on a payout lost 25% of value on my farthers car when it was written off and subsequently revealed to be a cat d write off .think it is recorded on the v5 now and testing is a lot more thorough in the event of car being restored "

It's always recorded and pay out depends on the quality of the repair.

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By *ty31Man
over a year ago

NW London

CAT D and C are classed as cosmetic and non structural damage but Deemed economically unviable fir the insurance company to pay out for repair,

so are legal to be repaired and put back on the road.

If you can get it fixed relatively cheaply it does save money but the resale value will obviously be lower than a non write off.

CAT B is structural damage and as such is only good for parts and CAT A is a total loss.

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By *ockerMrBloggs6969Man
over a year ago

nr you but not too near

Totally worth it

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By (user no longer on site)
over a year ago

Payout is dependant on vehicle value and a cat C/D marker does reduce the resale value but hopefully you buy it cheaper so makes no real difference.

If buying to repair (as opposed to one already repaired) remember that any mot is invalidated regardless of the type of damage and a new V5 applied for.

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By *oncupiscentTonyMan
over a year ago

Kent

As a route to a cheap a-b motor there's no problem (outside of those mentioned above) but as a way of getting something a couple of brackets above what you'd normally afford it's a fools errand.

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By (user no longer on site)
over a year ago

I repaired one for a mate last year. All it needed was a bumper. £50 from the scrappy and he had loads of cash left over from the insurance payout too.

Totally worth it.

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By (user no longer on site)
over a year ago

I wouldn't touch CAT C.

However, a car can end up being a CAT D just for having it's wheels stolen. Or a car can't have a very minor repair done in a timely fashion so insurance companies will write cars off willy nilly!

When it comes to resale you'll always get a lower price due to being on the register. Also if you do have an accident in it, expect to get pittance on the payout.

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By (user no longer on site)
over a year ago

keep well clear,you will have a problem in the future part exchanging or disposing off especially cat c cars

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By *avrick15Man
over a year ago

glasgow

Agreed with all points above. Just pony up for a decent motor, saves you in the long run kiddo x

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By *horltzMan
over a year ago

heysham

"Are they to be left alone or worth saving a couple of k's, also do they affect insurance? "

Just bought a Cat D tranny ( van ) insurance two hundred and fifty odd quid fully comp , the van just has a dent around the rear wheel arch , other than that it's spot on , only cost me five hundred quid

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By *UNKIEMan
over a year ago

south east

You really need to know what your looking at and whether its a viable fix ..also can be a nighmare insuring something which has aready been recorded on the insurance data base

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By *ty31Man
over a year ago

NW London

Also it depends on the car. Lotus and Vauxhall VX220 and TVR can end up as CAT C simply for a crack in the bumper due to being fibreglass

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By (user no longer on site)
over a year ago

Sports bikes get written off due to the cost of plastics.

All I would say is get details on the damage, if it's been repaired who carried out the work and get an inspection done

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By *ensualtouch15Man
over a year ago

ashby de la zouch

"Are they to be left alone or worth saving a couple of k's, also do they affect insurance? "

My suggestion is if you need to ask on a sex forum they are not for you

Some are perfect some are awful you need to KNOW what you are doing. Xx

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By *icecouple561Couple
Forum Mod
over a year ago

East Sussex

I would agree that if you don't know what you're looking at don't go there.

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By (user no longer on site)
over a year ago

"Sports bikes get written off due to the cost of plastics.

All I would say is get details on the damage, if it's been repaired who carried out the work and get an inspection done"

I used to work in automotive plastics. It's the biggest con going. Most of it is just cheap crap that the manufacturers hike the price up on.

A rear bumper for the current Jaguar F-Type costs less than £7 to manufacture plus around £17 in paint (they're painted by the plastics company using the cheapest paint you can imagine). They're then sold to JLR for roughly £35 per unit.

If you wanted to buy one yourself you'll be looking at over £1000.

You're better off buying them from Unipart, they're made by the same company and sold at a discount price because they were rejected after the primer stage so they prime ove the existing primer again which JLR won't accept.

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