Warning - CAT C write off on DoneDeal

kkelly77

FYI folks. 2008 Renault Clio 1.2

This was advertised on DD. However, the car is a stolen/recovered CAT C write off from the UK (Motorcheck report purchased to confirm this).

AFAIK, the seller is legally obliged to inform the potential buyer of this and an engineers report is required to allow the car back on the road and to be insured.

DD have been advised.

biko

Can you post a image of the report, remove personal details.

Also, a private seller is not obliged to volunteer this info but must be truthful if asked.

kkelly77

biko wrote: »

Can you post a image of the report, remove personal details.

Also, a private seller is not obliged to volunteer this info but must be truthful if asked.

According to Cartell, you do.

DakarVert

Why not go view it anyway? It's an 8 year old car and lots of them will have had repairs/paintwork.

Could be as simple as a cracked bumper, Wouldn't rule it out straight away.


I'v seen 2016 cars repaired without going through insurance.

pcardin

Cat C can be repaired and is not deadly. So no drama here.

Car is 'oldish Reno' so for insurance company it wasn't worth fixing. As someone mentioned, maybe it was only a cracked bumper and big dent in a fender or door.

Stephenc66

Interesting Link on how the write of category's work in the UK

http://www.carbuyer.co.uk/tips-and-advice/114820/cat-d-cars-insurance-write-offs

As others have said Cat C and Cat D write offs may not be as bad as you might think just check them out properly

Anyone know where Irish Insurance companies stand on previously written off cars?

DakarVert

Stephenc66 wrote: »

Interesting Link on how the write of category's work in the UK

http://www.carbuyer.co.uk/tips-and-advice/114820/cat-d-cars-insurance-write-offs

As others have said Cat C and Cat D write offs may not be as bad as you might think just check them out properly

Anyone know where Irish Insurance companies stand on previously written off cars?

Not sure but Iv red that we don't do Cat C Cat D cars here, But I'v seen an Irish car classed as Cat C.

kkelly77

Engineers inspection required by Revenue to get it back on the road.

I assume any insurance company will have details it's a CAT C from the registration.

Have a look on the Autotrader NI website to see the condition of what a CAT C looks like. A few for sale on it and the damage is a bit more than a dent a scuffed bumper.

Edit: just saw the car is back up on DD. No mention in the ad of it's history and the price has increased :rolleyes:

DakarVert

kkelly77 wrote: »

Engineers inspection required by Revenue to get it back on the road.

I assume any insurance company will have details it's a CAT C from the registration.

Have a look on the Autotrader NI website to see the condition of what a CAT C looks like. A few for sale on it and the damage is a bit more than a dent a scuffed bumper.

Edit: just saw the car is back up on DD. No mention in the ad of it's history and the price has increased :rolleyes:

Is the Revenue inspection for imported cars?
Definately doesn't apply to Irish cars, I'v had and repaired a Cat C and no issues with going back on the road.

All depends on the car and the value of it, Cat C has nothing to do with how extensive the damage is more so the cost of repair in relation to the value of the car.

I'v seen cars with Cat C for a bumper and headlight etc...

Mintoe

kkelly77 wrote: »

FYI folks. 2008 Renault Clio 1.2

This was advertised on DD. However, the car is a stolen/recovered CAT C write off from the UK (Motorcheck report purchased to confirm this).

AFAIK, the seller is legally obliged to inform the potential buyer of this and an engineers report is required to allow the car back on the road and to be insured.

DD have been advised.

Great that you are knowledgeable enough to run a motorcheck, always money well spent before parting with cash.

Unfortunately their are no laws that oblige a private seller to voluntarily disclose whether it was cat c or anything of similar importance. Legally a motor dealer must disclose, not a private seller. Hence why there are so many "Private Sellers" on DoneDeal who are actually informal motor dealers who are regularly selling or flipping cars.

Furthermore a private seller cannot sell a UK or any other imported car that hasn't been already registered on southern Irish plates to any other private person and anyone who does buy this car may have problems registering as they have to provide proof of where & when they bought it from in the country of origin. If you think about, how can a car that's registered to a UK resident at a UK address be put into an Irish resident with an Irish address with the DVLA in the UK.... Put simply it can't.... Car must be on Irish plates to be sold to private person in Ireland.

An engineers report is not legally required before the car can be returned to the road or insured in either Ireland or the UK. In the UK the car MUST pass a VIC (vehicle identity check) test at an MOT test centre before being taxed or sold again as its locked down on the DVLA database until the VIC test if done & passed. VIC test only verifies that a cars VIN & engine numbers match official records and doesn't check if the quality of repair meets a safe or minimum standard. In Ireland cat c or d uneconomic repairs don't have to go through ANY test other than a routine NCT test and if you saw prime time some weeks back you would see how poor the standards can be in the NCT test.

IT'S ALWAYS BEST PRACTISE TO EDUCATE YOURSELF ON THE DO's & DON'TS OF BUYING A USED CAR THAT ARE ALL OVER THE WEB AND PREVIOUS THREADS ON BIATDS. ANY ALWAYS RUN A HISTORY/FINACE CHECK BEFORE PARTING WITH MONEY.

testicles

This post has been deleted.

DakarVert

As far as I know the VIC is no longer in the UK.

Bandara

DakarVert wrote: »

As far as I know the VIC is no longer in the UK.

Yes it is, it's in Albert Square

bren11

VIC test has been dropped for Cat C's

Mintoe

""Anyone know where Irish Insurance companies stand on previously written off cars?
Not sure but Iv red that we don't do Cat C Cat D cars here, But I'v seen an Irish car classed as Cat C.""

Irish insurance companies rarely re-insure their own cat c or d's but some will with an engineer's report. They won't know about other Irish insurance companies c or d's as they don't share this info and there's no database that exists with all or most c and d's recorded.

""Not sure but Iv red that we don't do Cat C Cat D cars here, But I'v seen an Irish car classed as Cat C.""

Some insurance companies here loosely use the UK classification of c or d but all class them as a "Total Loss" meaning they are uneconomic to repair as Irish insurance companies are obliged to use OE manufacturer parts which are usually more expensive than OEM spurious parts.

cat c & d vehicles are worth between 20-25% less than an identical vehicle that's not a cat c or d.

"Also, a private seller is not obliged to volunteer this info but must be truthful if asked."

private seller is not bound by any laws so can say what they want about the car, truthful or not. The sale of good and supply of services act does not apply in any way to private sellers and therefore there is no right of recourse against a private seller.

Ian_80

Mintoe wrote: »

""Anyone know where Irish Insurance companies stand on previously written off cars?
Not sure but Iv red that we don't do Cat C Cat D cars here, But I'v seen an Irish car classed as Cat C.""

Irish insurance companies rarely re-insure their own cat c or d's but some will with an engineer's report. They won't know about other Irish insurance companies c or d's as they don't share this info and there's no database that exists with all or most c and d's recorded.

""Not sure but Iv red that we don't do Cat C Cat D cars here, But I'v seen an Irish car classed as Cat C.""

Some insurance companies here loosely use the UK classification of c or d but all class them as a "Total Loss" meaning they are uneconomic to repair as Irish insurance companies are obliged to use OE manufacturer parts which are usually more expensive than OEM spurious parts.

cat c & d vehicles are worth between 20-25% less than an identical vehicle that's not a cat c or d.

"Also, a private seller is not obliged to volunteer this info but must be truthful if asked."

private seller is not bound by any laws so can say what they want about the car, truthful or not. The sale of good and supply of services act does not apply in any way to private sellers and therefore there is no right of recourse against a private seller.

Where are you getting that Irish insurers wont re-insure their own CAT C or D? Are you saying they are refusing to issue a renewal or just increasing it to a level will not be purchased? I've worked in insurance for a long time and I've never seen this? I've seen increased due to having accidents but.......

Mintoe

ian_80

what i said was "Irish insurance companies rarely re-insure their own cat c or d's but some will with an engineer's report" and not "insurers wont re-insure their own CAT C or D"

let me clarify a bit more..... after an insurance company declares a car as "cat c or d" and sells it off as salvage to a salvage agent or similar if or when it's repaired and put back on the road, most insurer's won't insure that car again to the previous owner or a future owner. i'm not aware of an insurance company refusing to offer a renewal to a current customer on the basis that they classed the car as c or d or total loss and allowed the owner to keep the car after a smaller settlement.

rebel.ranter

https://www.donedeal.ie/cars-for-sale/renault-clio-1-2-5dr-2008/12332622?sv=true

This is the current advert. It has a "Spotlight" on the ad. No mention of Cat C.

daRobot

I don't see the big deal here, and there's a ton of misinformation on the thread from copy & paste merchants. Car is damaged repaired, that's it.

Nothing illegal happening, despite the OP going on some misplaced crusade. The seller needs to disclose it only when asked according to laws here. It does not need to be in the ad.

It's likely that the seller wasn't even involved in the repair process and the car could be absolutely perfect if done right. As with anything, get it up on a lift and have it examined by someone competent.

Lot's of CAT C and D cars for sale in the UK, that have been perfectly repaired. Some less so. But that requirement to disclose this in the UK exists to allow buyers to investigate further



.

bazz26

In fairness, you have to be a little suspicious of something not being 100% when a low mileage small 2008 car with cheap motor tax is costing under €3k including VRT.