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Thread: cat d

  1. #1
    Regular Member John35's Avatar
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    Default cat d

    quick question

    will insurance companies increase premiums if you have a cat d vehicle.

    friend of mine wrote off her micra. now economic write off. she wishes to buy it back and repair it. apart from the marker on the computer will there be any problems..........thanks

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    Regular Member ditchp's Avatar
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    Vehicle : Vectra cdti estate

    Trim : Get a

    Engine : Dirty diesel

    Year : 2006

    Default

    some ins companies frown on these re-built cars and want a lot of proof that work has been done properly, can be more trouble than its worth...
    Midlands Mod Shop - NFFC.

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    Regular Member John35's Avatar
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    thought so...................cheers

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    Ive drove cat c and cat d cars now for years, got my vectra cat d only 3 months old, ive never been asked anything when i insure them(i never made a claim though), but in the event of ever needing to claim if they started trying to pull a fast one, i would kick up a stink, and kindly remind them that it is them(the insurance company) who sell them to recoup some money,....

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    Regular Member Vectra Singh's Avatar
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    Any Cat. D repaired car will need an "Independent inspection" by a vehicle inspector (See yellow pages for your local one)! Once they're satisfied the repairs are to "Standard" above MOT then you fax the report they give you, to your insurance, but only need to do it once!

    Hope that helps

    V.51NGH

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    Regular Member John35's Avatar
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    doesn't seem worth the hassle....thanks anyway

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    Full Member merikiito's Avatar
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    Vehicle : Insignia CDTi SRi NAV 160

    Trim : SRi

    Engine : A20DTH

    Year : 2009

    Mileage : 88000

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    If the car is repaired by a good repair place (www.calibrecoachworks.com did mine) then there are no problems. Direct line did not even ask me because there records show the damage unless it is unrecorded. Beware tho as they will pay out less money if it is stolen etc. But then you paid less for the car so really it is fair.

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    Regular Member Ben H's Avatar
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    You can sell on a cat d without having to notify the buyer therefore over the course of a few ownerships it may never be known it was written off.
    I bought one from a garage who by law had to inform me it was but it had only been written off for cosmetic damage. It's wheels & interior had been stolen. Owner bought it back & sourced the parts from the breakers. In this case how could insurers up the premium for it being written off for cosmetic damages.

  9. #9
    Regular Member dave45040's Avatar
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    Quote Originally Posted by SRI-RICH View Post
    Ive drove cat c and cat d cars now for years, got my vectra cat d only 3 months old, ive never been asked anything when i insure them(i never made a claim though), but in the event of ever needing to claim if they started trying to pull a fast one, i would kick up a stink, and kindly remind them that it is them(the insurance company) who sell them to recoup some money,....
    Some Insurance companies will not even entertain insuring a Cat D vehicle. Unfortunately, if you happened to find yourselves dealing with an accident with one of these companies, you may find you have a fight on your hands which could be very costly.

    Just because they never ask the question when you insure your vehicle does not give you the right to assume all is OK. Upon inception of a new insurance policy OR at time of amendment/renewal, the individual is legally obliged to 'disclose any and all material facts', of which this would be one (as would any conviction and/or modification etc).

    If they rejected a claim on this basis it would be because they would feel you are trying to 'pull a fast one', not them as they would be acting in accordance with their (and your) policy terms and conditions.

  10. #10
    Regular Member John35's Avatar
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    Default

    i will tell my friend to do some homework with the insurance companies. she has been quoted £1000 to repair it. thats with £500 labour. all depends on the price the insurance company wants for it?.

    cheers chaps

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