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sharpy28

Member

Registered: 1st Nov 08
Location: Ashton-Under-Lyne (Manchester)
User status: Offline

10th Mar 11 at 13:07

I've heard that if the car has been registered as a Cat C or D it will put insurance up? Is this Correct?

Reason I ask, I've been offered a Cat C car that hasnt been repaired but comes with the parts that need changing over, and I asked the owner about insurance and he said he has never had any trouble, is this just him trying to sell me the car?

Any help would be great, Thanks

Rupean

Member

Registered: 24th Dec 03
Location: Leicester
User status: Offline

10th Mar 11 at 13:12

no it dosnt put the insurance up, but sometimes you can get less money when it comes to a pay out ect if urs involved in a accident ect.

Ste

Premium Member

Registered: 5th Mar 03
Location: Taif, Saudi Arabia
User status: Offline

10th Mar 11 at 13:15

Beware buying a cat C that comes with all the parts to fix it. What it generally means is he bought it all, fitted it and the panel gaps are miles out, so took it all off and is selling it on to cut his losses. Otherwise, why wouldn't he just fit the parts and sell it on complete for lots more money?

[Edited on 10-03-2011 by Ste W]

I would rather lose by a mile because i built my own car, than win by an inch because someone else built it for me.

sc0ott

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Registered: 16th Feb 09
User status: Offline

10th Mar 11 at 13:16

Cat C's require a VIC check or something as well?

antnee

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Registered: 30th Dec 07
Location: Cov Drives: Clio 197
User status: Offline

10th Mar 11 at 13:17

I have found in the past cat c and d cars to be a little more to insure

Ste

Premium Member

Registered: 5th Mar 03
Location: Taif, Saudi Arabia
User status: Offline

10th Mar 11 at 13:18

Mine is a D and Admiral weren't even bothered. No price difference to a straight one.

I would rather lose by a mile because i built my own car, than win by an inch because someone else built it for me.

sharpy28

Member

Registered: 1st Nov 08
Location: Ashton-Under-Lyne (Manchester)
User status: Offline

10th Mar 11 at 13:20

quote:
Originally posted by Ste W
Beware buying a cat C that comes with all the parts to fix it. What it generally means is he bought it all, fitted it and the panel gaps are miles out, so took it all off and is selling it on to cut his losses. Otherwise, why wouldn't he just fit the parts and sell it on complete for lots more money?

[Edited on 10-03-2011 by Ste W]

Ive seen the car, its a S plate corsa so doesnt take much to write one off, needs bonnet and wing, and could do with bumper but ive checked behind the bumper and the crash bar is'nt bent so i guess not much else would be, slam panel is fine, tracking is out as hit the wheel, so maybe new track rod ends, but it comes with the wing bonet and bumper and another wheel. Is it worth the risk?

sharpy28

Member

Registered: 1st Nov 08
Location: Ashton-Under-Lyne (Manchester)
User status: Offline

10th Mar 11 at 13:20

quote:
Originally posted by sc0ott
Cat C's require a VIC check or something as well?

Is this deffinate?

sc0ott

Member

Registered: 16th Feb 09
User status: Offline

10th Mar 11 at 13:27

quote:
Originally posted by sharpy28

quote:
Originally posted by sc0ott
Cat C's require a VIC check or something as well?

Is this deffinate?

Well someone hit the back of my old corsa and there was minor damage and the boot wouldnt open so i need to fix that and then i was to take it to a vosa centre for the vic check.
I didnt do it though but iirc they are around 50 quid.
Check the dvla car enquiry and it should tell you on there if a vic is required

luciaadr

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Registered: 11th Aug 04
Location: Bexleyheath, Greater London
User status: Offline

10th Mar 11 at 13:27

quote:
Originally posted by sharpy28

quote:
Originally posted by sc0ott
Cat C's require a VIC check or something as well?

Is this deffinate?

Yes

sharpy28

Member

Registered: 1st Nov 08
Location: Ashton-Under-Lyne (Manchester)
User status: Offline

10th Mar 11 at 13:30

quote:
Originally posted by luciaadr

quote:
Originally posted by sharpy28

quote:
Originally posted by sc0ott

Cheers lads

[Edited on 10-03-2011 by sharpy28]

johnhara1

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Registered: 19th Oct 06
Location: Newcastle upon Tyne
User status: Offline

10th Mar 11 at 15:04

My vec was cat d. Insurance didn't ask so i didn't tell.

No dramas.

John

Member

Registered: 30th Jun 03
User status: Offline

10th Mar 11 at 15:16

Is it not when they come to pay out and find it's a Cat whatever and give you what it's worth, which is less than a non written off one?

DaveyLC

Member

Registered: 8th Oct 08
Location: Berkshire
User status: Offline

10th Mar 11 at 15:57

It doesnt affect the insurance but 'technically' if you are aware its a CAT C/D you are supposed to declare it which will reduce the value of the car.. Bewarned if you make a claim and they ask you if you were aware make sure you deny it if you hadnt already told them of the fact.

tom_simes

Show Staff
Organiser: South Wales
Premium Member

Registered: 12th Jan 05
Location: Undy, Newport Drives: Skoda Octavia vRS estate
User status: Offline

10th Mar 11 at 16:12

quote:
Originally posted by sharpy28

quote:
Originally posted by Ste W
Beware buying a cat C that comes with all the parts to fix it. What it generally means is he bought it all, fitted it and the panel gaps are miles out, so took it all off and is selling it on to cut his losses. Otherwise, why wouldn't he just fit the parts and sell it on complete for lots more money?

[Edited on 10-03-2011 by Ste W]

Ive seen the car, its a S plate corsa so doesnt take much to write one off, needs bonnet and wing, and could do with bumper but ive checked behind the bumper and the crash bar is'nt bent so i guess not much else would be, slam panel is fine, tracking is out as hit the wheel, so maybe new track rod ends, but it comes with the wing bonet and bumper and another wheel. Is it worth the risk?

Or it's had a new crash bar to hide the damage? and the tracking could be a ball joint or trackrod end - or a full new steering rack if it's been hit hard enough to damage it further in.

It may be exactly as you've said, but I'd be a bit more cautious and bet on the worst case scenario - that way, you'll only come across better things, not finding that it's worse than you thought.

sharpy28

Member

Registered: 1st Nov 08
Location: Ashton-Under-Lyne (Manchester)
User status: Offline

10th Mar 11 at 16:34

I will have another inspection and probs give DVLA a ring see whats what with the VIC, cheers again guys

WATSON

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Registered: 16th Jun 05
Location: Fife, Scotland
User status: Offline

10th Mar 11 at 20:46

cat c will need a vic check.

Jake

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Registered: 24th Jan 05
User status: Offline

10th Mar 11 at 21:02

vic check is nothing really. the problem with catagory write off cars is there is no regulations to the quality of repairs that have taken place.

AndyCorsaSport

Member

Registered: 12th Feb 06
Location: Horsforth, West Yorkshire
User status: Offline

10th Mar 11 at 22:18

VIC check is sod all like Jake said, its a Vehicle Identity Check, basically they drive it into a garage, shut down the door, check over the VIN plates, to see that havent been changed/tampered with, and send you on your way.

My Cat C corsa was no more to insure.

sc0ott

Member

Registered: 16th Feb 09
User status: Offline

10th Mar 11 at 22:22

Aye but hes bought or buying a car which is cat c and comes with all the parts to fix it but he is going to need to pay for the vic check when really the guy before should have mentioned this or even gave him the money.

sc0ott

Member

Registered: 16th Feb 09
User status: Offline

10th Mar 11 at 22:23

Imo they should be cheaper to insure because the payout on them are lower so youre technically insuring a cheaper car.

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