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UK car - Cat D Would you buy?

  • 03-04-2010 10:35pm
    #1
    rebel.ranter
    Registered Users, Registered Users 2 Posts: 3,570 ✭✭✭


    I am in the process of tracking down my next car & I came across a likely candidate that ticks all the boxes regarding specification, colour, mileage, etc.

    In the ad for the car it mentions that it is a Cat D, nothing more. From what I can gather a Cat D can mean the following:

    - The car could be repaired but the insurance company decided not to repair
    - Reported stolen but recovered

    http://www.insurancewriteoff.co.uk/

    The ad is upfront about it & I would have carried out a HPI check on it anyway. Any reason why I shouldn't investigate this further? Can a cat D be a seriously damaged vehicle or is that reserved for A,B,C?


Comments

  • #2
    Atlantic Dawn
    Registered Users, Registered Users 2 Posts: 84,733 ✭✭✭✭Atlantic Dawn
    M


    One big issue is VRT is based more or less on the car being 100% perfect, you will get no reduction for it being a CAT D. Now this shouldn't bother you if you intend keeping it for a good few years but it may scare off potential purchasers.


  • #3
    rebel.ranter
    Registered Users, Registered Users 2 Posts: 3,570 ✭✭✭rebel.ranter


    The car is already repaired from what I can see & I have always held on to my cars for a couple of year.


  • #4
    mickdw
    Registered Users, Registered Users 2 Posts: 23,688 ✭✭✭✭mickdw


    Generally, a cat D would only be 75% of what a normal car would be worth in uk.
    The point made above about vrt is valid in that you are really over paying vrt in this case as your car should never be worth what they are valuing it at.
    Cat D could be very minor if its an oldish car or there can be that bit more on a high value car. If fixed properly, a Cat D should be 100% right but it is possible that it has been put back together as cheaply as possible so if buying this, check for certification that it has been passed as roadworthy after the repair. They have to do this in uk. Unfortunately there is no such system here.


  • #5
    jimmycrackcorm
    Registered Users, Registered Users 2 Posts: 14,378 ✭✭✭✭jimmycrackcorm


    mickdw wrote: »
    check for certification that it has been passed as roadworthy after the repair. They have to do this in uk. Unfortunately there is no such system here.

    No certification is required for Cat D as damage is non-structural and generally very light. CAT C does require a road-worthiness cert. CAT D's are good bargains.


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