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Category D write off

  • 25-03-2025 12:14PM
    #1
    jenb550
    Registered Users, Registered Users 2 Posts: 41 ✭


    Hi all,

    As the title says; 2011 hyundai I20 rear ended the other week. No major damage but the boot catch broke which caused the batter to run down over the weekend with the car sitting up (it's a second car that I'd use for work).

    Insurance for the party at fault have now deemed our car a cat D write off and have offered us 4000 eur minus salvage fees of 600. We can keep the car and 3,300.

    My issue is that I was hoping to trade this car in come December and buy something newer. With it being cat D I'm told now that it'll be worth nothing to me. I could use the money from the insurance to repair the car but still l won't get much for it in December. Do I give the car to them, take the four grand and buy something small, right now or do I keep the car I have, take the 3,300 and use that for trade in come December? Car insurance is up for renewal in May so I'm hoping it won't cost too much to insure it (does anyone have advice on this?)

    I'm outright telling the insurance company that I'm not happy and want more money for the car but they don't seem to be budging.

    Whats the best option?



Comments

  • #2
    cml387
    Registered Users, Registered Users 2 Posts: 8,880 ✭✭✭cml387


    I'd bite their hand off for the 4k to be honest and use it as a deposit for a new car.



  • #3
    jenb550
    Registered Users, Registered Users 2 Posts: 41 ✭jenb550


    I don't want a new car this side of Christmas. My original plan was to get one more year out of it and then buy a Rav come Dec/Jan so I'm either stuck with this car till then, I take the four grand and buy the equivalent for the rest of the year or keep what I have and take the 3300.

    The cars they're sending me that they've used for comparison have far higher mileage.

    I suppose I just feel annoyed now. A sore back and a load of hassle because someone was distracted driving (admitted at the scene)



  • #4
    cml387
    Registered Users, Registered Users 2 Posts: 8,880 ✭✭✭cml387


    https://www.boards.ie/discussion/comment/123300668#Comment_123300668

    I very much sympathasise. Mrs CML was in an accident which wrote off her little Renault which had many good years left in it if it was just left alone, by a stupid driver who crossed her path at a junction. You never really get properly compensated for cars that are a bit old as the value you will get is so low. And in fairness looking at Done deal you are getting as much as its worth.



  • #5
    jenb550
    Registered Users, Registered Users 2 Posts: 41 ✭jenb550


    I am, in fairness getting a fair price for it. Mine only has 79000 miles so, for a car of that year, it's doing very well.

    It's very frustrating. Even if I take the 3300 I'm out of pocket insuring and trading in a Cat D write off and won't get what little more I would have gotten in December. Its incredibly annoying to be the aggrieved party and still to lose out.

    I'm arguing as much as I can and I've flat out told them I won't accept the 3300 but I suspect the one losing out here will be me.



  • #6
    galwaytt
    Registered Users, Registered Users 2 Posts: 12,781 ✭✭✭✭galwaytt


    https://www.boards.ie/discussion/2058403954/category-d-write-off

    did you get a quote for the actual damage/repair ?

    Depending on what that was, it may work out for you to take the €3,300 (and put it in the bank, don't spend it), repair it (even cheaply), and come December take what you get for the car in a cash sale (no garage will want a 15 yr old car as trade-in anyway) and you'll have whatever you get for it + €3,300.

    Ode To The Motorist

    “And my existence, while grotesque and incomprehensible to you, generates funds to the exchequer. You don't want to acknowledge that as truth because, deep down in places you don't talk about at the Green Party, you want me on that road, you need me on that road. We use words like freedom, enjoyment, sport and community. We use these words as the backbone of a life spent instilling those values in our families and loved ones. You use them as a punch line. I have neither the time nor the inclination to explain myself to a man who rises and sleeps under the tax revenue and the very freedom to spend it that I provide, and then questions the manner in which I provide it. I would rather you just said "thank you" and went on your way. Otherwise I suggest you pick up a bus pass and get the ********* ********* off the road” 



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  • #7
    jenb550
    Registered Users, Registered Users 2 Posts: 41 ✭jenb550


    Yes, quote for repair came in at 2600. Leaves me with very little. I'm so annoyed that I'm out of pocket when I'm not the party at fault here.



  • #8
    Sono
    Registered Users, Registered Users 2 Posts: 2,676 ✭✭✭Sono


    You have been offered a fair price for your car, why not just take the settlement and get something else.



  • #9
    Buffman
    Registered Users, Registered Users 2 Posts: 3,029 ✭✭✭Buffman


    €2600 for the repair sounds like an insurance price, asking for a cash quote yourself from a local repair place to get it safely usable would probably be a lot less.

    Personally, I'd take the €3300, keep the car and fix for a few €100 if possible or if not sell it on Donedeal/Adverts for whatever few €100 you can get, and buy a replacement car to keep you going until you want to trade it in.

    €2500ish cash would get you this, there are cheaper but I picked this due to the long NCT.

    https://www.donedeal.ie/cars-for-sale/hyundai-i-20-05-2026-nct/39288969

    That's leave you 'up' a few €100 plus whatever you sell/trade both cars for to put towards the new car.

    The below is a general 'signature' and not part of any post:

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    You don't have to take a 'smart' meter if you don't want one, opt-out is available.

    Buy drinks in 3L or bigger plastic bottles or glass bottles or cartons to avoid the DRS fee.



  • #10
    hanloj1
    Registered Users, Registered Users 2 Posts: 265 ✭✭hanloj1


    That repair sounds like a insurance quote alright. Cheaper option is to pick up secondhand parts in same colour. Maybe a new rear crash-bar though.



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