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Cat C write help / info needed
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By (user no longer on site) OP
over a year ago
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Hi ,
Does anybody know the process of getting a Cat C write off back on the road ?
I have the chance to buy a car off a friend that was involved in a very minor bump but due to economic repair costs to the value of the car etc it has been written off...
Any advice welcomed . |
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By *mojeeCouple
over a year ago
Dunfermline |
You have to have it inspected by someone vosa and all work had to be carried out using the correct parts to a standard equivalent or higher than the manufacturer's specs. The value is roughly 2/3 of the cost of a non damaged car. I had one and it made no difference as I ran it I to the ground. Some people get funny because it's been damaged but if it's passed the inspection it'll be fine. |
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By (user no longer on site)
over a year ago
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All the above advice is spot on... also be aware that some insurance companies can be a bit funny about insuring cat c cars... some will just charge stupid amounts and some will flat out refuse, so if you go for it be prepared to shop around |
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By (user no longer on site)
over a year ago
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Sometimes a cat-C can be as little as needing a new bumper and some paint, half the time the car is actually roadworthy, just that an insurance company has deemed it too expensive to repair.
Have the car inspected and get a written report of the damage. Get quotes for new/used parts and see if it's worth your while. |
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By (user no longer on site) OP
over a year ago
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Thanks for the advice already given , I take on board all the points mentioned.
The only reason I'm thinking of buying it is I know the owner and the car for quite a long time and know the mileage is correct etc and it's been well looked after , apart from the bump to the wing ( approx size 4cm crease but very shallow ) and a small scuff to a bumper from the accident it is a very good condition car.
The "other driver" was at fault etc and the insurance company of my friend has used a prestigious brand car dealer for its costings for the repair bill , in all honesty it would just need a front wing & bumper to make it perfect again.
I've seen cars driven in far worse condition but never involved in an insurance claim so as long as they pass an mot they are still used/ owned etc.
Just seems because of the insurance claim and how much it would cost to "make perfect" that a good car could go to the scrap man. |
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By (user no longer on site)
over a year ago
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"Thanks for the advice already given , I take on board all the points mentioned.
The only reason I'm thinking of buying it is I know the owner and the car for quite a long time and know the mileage is correct etc and it's been well looked after , apart from the bump to the wing ( approx size 4cm crease but very shallow ) and a small scuff to a bumper from the accident it is a very good condition car.
The "other driver" was at fault etc and the insurance company of my friend has used a prestigious brand car dealer for its costings for the repair bill , in all honesty it would just need a front wing & bumper to make it perfect again.
I've seen cars driven in far worse condition but never involved in an insurance claim so as long as they pass an mot they are still used/ owned etc.
Just seems because of the insurance claim and how much it would cost to "make perfect" that a good car could go to the scrap man. "
If that's all the damage is then it's worth having it MOT'd and see if it passes, then repair at your leisure. |
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"Sometimes a cat-C can be as little as needing a new bumper and some paint, half the time the car is actually roadworthy, just that an insurance company has deemed it too expensive to repair.
Have the car inspected and get a written report of the damage. Get quotes for new/used parts and see if it's worth your while."
That is more the description of a cat D a cat C has the potential to have structural damage google it loads of info on the diffrent categories |
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"Thanks for the advice already given , I take on board all the points mentioned.
The only reason I'm thinking of buying it is I know the owner and the car for quite a long time and know the mileage is correct etc and it's been well looked after , apart from the bump to the wing ( approx size 4cm crease but very shallow ) and a small scuff to a bumper from the accident it is a very good condition car.
The "other driver" was at fault etc and the insurance company of my friend has used a prestigious brand car dealer for its costings for the repair bill , in all honesty it would just need a front wing & bumper to make it perfect again.
I've seen cars driven in far worse condition but never involved in an insurance claim so as long as they pass an mot they are still used/ owned etc.
Just seems because of the insurance claim and how much it would cost to "make perfect" that a good car could go to the scrap man. "
Take into account an insurance company can only use new genuine manufacturer parts and approved repairers then how much less the cars worth you easily get to uneconomical to repair area. What is wrong is it being classed as a cat c when it should be a cat d just because they can't be arsed doing a proper inspection.... |
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By (user no longer on site)
over a year ago
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"Sometimes a cat-C can be as little as needing a new bumper and some paint, half the time the car is actually roadworthy, just that an insurance company has deemed it too expensive to repair.
Have the car inspected and get a written report of the damage. Get quotes for new/used parts and see if it's worth your while.
That is more the description of a cat D a cat C has the potential to have structural damage google it loads of info on the diffrent categories"
It's more about cost than anything else now. That's why insurers use the most expensive garages for repair quotes but only pay out the cheapest, non-dealer value on your vehicle. Cat-B and Cat-A are the ones with major structural damage that will never see the road again. |
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By (user no longer on site)
over a year ago
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"Thanks for the advice already given , I take on board all the points mentioned.
The only reason I'm thinking of buying it is I know the owner and the car for quite a long time and know the mileage is correct etc and it's been well looked after , apart from the bump to the wing ( approx size 4cm crease but very shallow ) and a small scuff to a bumper from the accident it is a very good condition car.
The "other driver" was at fault etc and the insurance company of my friend has used a prestigious brand car dealer for its costings for the repair bill , in all honesty it would just need a front wing & bumper to make it perfect again.
I've seen cars driven in far worse condition but never involved in an insurance claim so as long as they pass an mot they are still used/ owned etc.
Just seems because of the insurance claim and how much it would cost to "make perfect" that a good car could go to the scrap man.
Take into account an insurance company can only use new genuine manufacturer parts and approved repairers then how much less the cars worth you easily get to uneconomical to repair area. What is wrong is it being classed as a cat c when it should be a cat d just because they can't be arsed doing a proper inspection...."
A lot of insurers are using used parts now, provided they come from a reputable source. |
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"Thanks for the advice already given , I take on board all the points mentioned.
The only reason I'm thinking of buying it is I know the owner and the car for quite a long time and know the mileage is correct etc and it's been well looked after , apart from the bump to the wing ( approx size 4cm crease but very shallow ) and a small scuff to a bumper from the accident it is a very good condition car.
The "other driver" was at fault etc and the insurance company of my friend has used a prestigious brand car dealer for its costings for the repair bill , in all honesty it would just need a front wing & bumper to make it perfect again.
I've seen cars driven in far worse condition but never involved in an insurance claim so as long as they pass an mot they are still used/ owned etc.
Just seems because of the insurance claim and how much it would cost to "make perfect" that a good car could go to the scrap man.
Take into account an insurance company can only use new genuine manufacturer parts and approved repairers then how much less the cars worth you easily get to uneconomical to repair area. What is wrong is it being classed as a cat c when it should be a cat d just because they can't be arsed doing a proper inspection....
A lot of insurers are using used parts now, provided they come from a reputable source."
Wow that's news to me  |
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By (user no longer on site)
over a year ago
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"Thanks for the advice already given , I take on board all the points mentioned.
The only reason I'm thinking of buying it is I know the owner and the car for quite a long time and know the mileage is correct etc and it's been well looked after , apart from the bump to the wing ( approx size 4cm crease but very shallow ) and a small scuff to a bumper from the accident it is a very good condition car.
The "other driver" was at fault etc and the insurance company of my friend has used a prestigious brand car dealer for its costings for the repair bill , in all honesty it would just need a front wing & bumper to make it perfect again.
I've seen cars driven in far worse condition but never involved in an insurance claim so as long as they pass an mot they are still used/ owned etc.
Just seems because of the insurance claim and how much it would cost to "make perfect" that a good car could go to the scrap man.
Take into account an insurance company can only use new genuine manufacturer parts and approved repairers then how much less the cars worth you easily get to uneconomical to repair area. What is wrong is it being classed as a cat c when it should be a cat d just because they can't be arsed doing a proper inspection....
A lot of insurers are using used parts now, provided they come from a reputable source.
Wow that's news to me "
Been happening for a while now mate. I know several garages that are frequently asked for two repair quotes from insurers. One using OEM parts and one using aftermarket or used parts.
Obviously they never tell the customer which one they went with.
Sneaky fuckers. |
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Check out DVSA which is the new name for VOSA. Well when I say new they changed in 2012.
Speak to your insurance and get a quote as a cat c repaired.
Then go from there. I would ask to see the report if possible from the assessment of the car but the insurance company.
Sounds like a great deal. The insurance companies don't have the time to spend on repairing a car if it costs close to eh value of the car. They have you use certain accredited companies to do the work and they can afford to charge a little bit more. |
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By (user no longer on site) OP
over a year ago
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Thank you all for your info ,
I've actually got the "engineers inspection report" for remedial costings,
They have said it needs a new wing, a new bumper, a new wheel trim ( may have already been scuffed prior to the accident), and then the cost of painting the NEW parts and the labour cost (£45 per hour ) at 12 hrs labour ( I could put a used bumper and wing on in about 3 hrs and I'm not a mechanic but have built a kit car from scratch in the past ),
It just seems the report has made it as expensive as possible so to make it easier to write off.
My friend bought the car back from insurance company.
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By (user no longer on site)
over a year ago
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We did this a few years back though I can't recall what cat it was. All we needed a letter from our local garage saying it was roadworthy, we only needed to replace the bumper but it was the age of the car that wrote it off. We ended up around £700 up on the whole incident, the one and only time I've not felt ripped off by an insurance company. |
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