Is this worth a punt?

fryup

I'm on the look out for small car in particular a peugeot 208 (i think they're gorgeous)

This one caught my eye, its the allure version with a panaramic roof....but..its been damaged & repaired and four previous owners??

what ya think?

autotrader.uk

Belfast

Looks like it was written off.
Category

Category D. At some point this vehicle was damaged and written off by an insurer because it was uneconomical to repair. The category of write off can vary depending on the vehicle's age and value. Category D vehicles are often put back on the road.

This might be why the price is lower.

mengele

It actually does look a beauty of a car. Would ur budget stretch to one of the same year in same spec which isn't category d?

Dravokivich

I wouldn't touch a damaged car, unless I knew what the damage was, what the repairs were, and could get someone to inspect them explicitly, along with everything else in the car.

fryup

Well its got its MOT,

*the thing that bother me is the four previous owners for a relatively new car

Belfast

fryup wrote: »

Well its got its MOT,

*the think that bother me is the four previous owners for a relatively new car

I do not think an Mot is worth much. It is not intended to replace an engineering report on a car that has been crashed.

Garages miss MOT faults, says Which?
https://www.theguardian.com/money/2004/jan/13/business.motoring

Mot is done by Garages In Britain often by junior mechanics.

In northern Ireland it is done in test centres like in the republic.
When I lived in Northern Ireland people there did not trust British mots.

ratracer

Maybe it’s just the light, but the paintwork on the bonnet/ bumper looks way off. That would put me off straight away!

Belfast

ratracer wrote: »

Maybe it’s just the light, but the paintwork on the bonnet/ bumper looks way off. That would put me off straight away!

Hard to tell the way the light is reflecting on the bonnet.

fryup

Belfast wrote: »

Category D. At some point this vehicle was damaged and written off by an insurer because it was uneconomical to repair. The category of write off can vary depending on the vehicle's age and value. Category D vehicles are often put back on the road.

well if there often put back on the road i should be OK?

newmember2

fryup wrote: »

well if there often put back on the road i should be OK?

As long as you can verify what damage there was or at least that it's been repaired correctly.

Cat D cars can often have minimal damage.

Belfast

fryup wrote: »

well if there often put back on the road i should be OK?

Depends on how bad the damage was and who did the work and how well it was done.



This is category d car. Category D write-off can often be caused by moderate damage

Crash-damaged cars: everything you need to know
The old Category D classification for crash-damaged cars has been replaced by new A, C, S and N categories. Here’s what they mean and the precautions you should take...
https://www.whatcar.com/advice/buying/crash-damaged-cars-everything-you-need-to-know/n1103

Belfast

newmember? wrote: »

As long as you can verify what damage there was or at least that it's been repaired correctly.

Cat D cars can often have minimal damage.

Category D write-off can often be caused by moderate damage
https://www.whatcar.com/advice/buying/crash-damaged-cars-everything-you-need-to-know/n1203

The former Category D (Cat D) has been replaced by Category N (Cat N). This refers to cars that haven't suffered structural damage, but some safety-critical components such as steering, brake or suspension components may require replacement. Again, if properly repaired, a Cat N car can be legally returned to the road.

Insuring a Cat N car or Cat S car

Don’t expect insuring your Cat N or S car will be straightforward. Some insurers won’t consider covering such a car and those that do may charge a higher premium. An engineer’s inspection report will certainly smooth the way.
https://www.carbuyer.co.uk/tips-and-advice/114820/cat-d-cars-insurance-write-offs

fryup

mengele wrote: »

It actually does look a beauty of a car. Would ur budget stretch to one of the same year in same spec which isn't category d?

unfortunately no

Belfast

fryup wrote: »

unfortunately no

Might be good to check with you insurance company in case they have a problem or need a engineering report or apply a high premium for a car that was an insurance write off.

fryup

^^^^^^^^^^^

you must be joking i'm keeping schtum when it comes to that

i'll pay the pay VRT, Tax and NCT and thats thats

Squidgy Black

fryup wrote: »

^^^^^^^^^^^

you must be joking i'm keeping schtum when it comes to that

i'll pay the pay VRT, Tax and NCT and thats thats

Well that's just daft. If you don't disclose it, your insurance is invalid. The terms and conditions of almost every insurance policy is that you have to disclose any information that may affect your insurance. You get into a crash and somehow it comes to light you didn't tell your insurance, or they do a check after you take out the policy and find out it was a write off, and that's your policy cancelled.

Belfast

Squidgy Black wrote: »

Well that's just daft. If you don't disclose it, your insurance is invalid. The terms and conditions of almost every insurance policy is that you have to disclose any information that may affect your insurance. You get into a crash and somehow it comes to light you didn't tell your insurance, or they do a check after you take out the policy and find out it was a write off, and that's your policy cancelled.

in the event of an accident the insurance company will find out.They may pay out for the claim but they can reclaim all of the costs from you, this will more than the pay out. This could bankrupt you. They could take you house and any other assets you have.

non-disclosure leaves you open to unlimited liability and problem getting insurance in the future.

FAQson Written Off Vehicles
http://www.rsa.ie/Documents/VS_Information_Notes/Buying_a_used_car/FAQs%20on%20Written%20Off%20Vehicles.pdf

what is the situation with insuring a Cat D car?
https://www.boards.ie/ttfthread/2057750391

It looks like there is no loading for cat d write off.


Before you Insure
I want to insure a previously written off vehicle?

https://www.123.ie/customer-care/before-you-insure/acceptance-criteria/can-i-insure-a-previously-written-off-vehicle

fryup

^^^^^^^^^^^

i say you're great craic on a night out

(anyway its sold)

newmember2

fryup wrote: »

^^^^^^^^^^^

i say you're great craic on a night out

(anyway its sold)

The Insurance company would more than likely already know it's a write-off as soon as you gave them the reg.