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Thread: CAT D Insurance help

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  1. #1
    Join Date
    Mar 2008
    Posts
    4

    Default CAT D Insurance help

    Hi, hope someone can ease help my mind. My first post so please excuse me if I'm in the wrong section.

    I have just put a deposit down on a ford focus that was cat d for some minor cosmetic damage to the rear nearside quarter panel. The damage was pretty minor but was cat d because of the previous owners policy. I was told by several people including my insurance company that the fact the car was a cat d was pretty insignificant and would not effect my policy with them as long as the car has a new MOT which it had last week. However today my insurance company have called me back (four days after first calling them) to tell me that the policy could not be honored because I have not sent them an engineers report.

    My question is in two parts really. Firstly will an engineers report performed by the RAC be sufficient as when I asked my insurance company they said they did not mind who produces it as long as I get one. I need a straight yes the cars roadworthy or no the car isn't.

    And secondly has anyone else had this trouble with insurance on a cat d car. I know of quite a few friends who have purchased cat d cars in the past without so much as a murmur from the insurance company as long as the MOT is there.

    Thanks in advance for any advice.

    Cheers

    Chris

  2. #2
    Join Date
    May 2007
    Posts
    30

    Default

    Some insurers will not insure cat D, some will, your challenge will happen if you ever need to claim, because the value of the car is significantly less than a non cat D car. As for engineers report, i would imagine an RAC inspection should be sufficient as it is a fairly in depth report, however i would advise you get the insureres to state very clearly what it needs, so that you do not waste money
    1 in 3 Cars has a hidden history. Check it before you buy it.

  3. #3
    Join Date
    Mar 2008
    Posts
    4

    Default

    Thank you for the reply. This is the bit thats worrying me. I went back to my insurance company who told me they don't care who does it along as they get an engineers report.

    I'm starting to lose a bit of faith in my insurance company.

    Thanks again.

  4. #4
    Join Date
    Mar 2008
    Posts
    3

    Default

    dont worry im in the same situation, im planning to buy a cat d mini cooper, they said since im a existing customer i just have to provide a engineer report (VRD?) so i spoke to the dealer and he said the mechanic said its utter rubbish but they will do it for me since the insurer requires it, my insurer is lloyds tsb.

    i rang directline and also churchill and they told me that they wont cover my car, just to get an idea as to what would happen in the future.
    found it a bit odd since churchill infact underwrite lloyds.

    im not sure whether i was wording it wrong or whether they thought it was a written off vehicle right now. i find it very confusing since ive never brought a cat d vehicle before! the trader also found it confusing but i assume its a new thing the insurers may need?

    but il find out tomorrow whether the car has passed or not on this check thing, and il be able to fax certificate over to the insurer and they can then tell me whether they can insure me or not. bit **** if they cant though =(!

    let me know how it goes - r u still going ahead with the vehicle?

  5. #5
    Join Date
    Mar 2008
    Posts
    4

    Default

    Hi, thanks for your reply quite interesting that the other insurers wouldn't touch the car. I didn't go for the car in the end but not for the want of trying from my end.

    I booked the RAC to go out and look at the car to get the engineers report. The dealer canceled with the RAC three times. I was getting pretty p***ed off by this point but his reasons seemed plausible enough. Eventually the day before the forth test was due the trader called to say (completely out of the blue), that he thought me and my insurance company were putting him under too much pressure with this car and he was sending me my deposit back because someone else had offered him more money (I think he thought the car was going to fail or something). I was livered at first but its worked out for the best in the end.

    The deposit showed up next day and I have brought another car from a bigger dealership that is as straight as they come and isn't causing me any sleepless nights.

    Let me know how you get on with your car, I'm thinking of changing my insurance company after the hassle I had with them.

    Chris

  6. #6
    Join Date
    Mar 2008
    Posts
    3

    Default

    to be honest i think it might be a new inspection they are trying to introduce to cover the insurancers back, the dealer i may be buying the car from was more than willing to go ahead with the test since i needed it to be insured, he said it would be done today before 12pm so im waiting around to see what happens with it.. il go ahead and buy the car as long as the insurance goes through smoothly. the car was running smooth and the fact that it is cat d was concerning me but ive researched online and basically means the cost of repirs would be too much for the car so its written off.. hope i have no prioblems with it since im plannign to keep the car for a very very long while!

  7. #7
    Join Date
    Sep 2010
    Posts
    1

    Default Odd

    it would appear that there is some confusion with Cat C and Cat D write off's.
    Insurance companies do not seem to know the difference.

    When i phoned the DVLA to ask the difference they told me that Cat C was the worst case of the 2 with an engineers report required before the car can legally go back on the road.

    Cat D is purely cosmetic damage that is more than the value of the sum insured hence not worth the insurance companies time to fix. thus write it off.
    Cat D does not require an engineers report to put the car back on the road.
    I attach a link that was also quite helpful.

    http://www.carsalvagefinder.co.uk/ca...categories.php

    I hope this is some help.

    B

  8. #8
    Join Date
    Oct 2007
    Location
    Middlesex
    Posts
    8,495

    Default

    I agree with the content of the link, but not with what you have posted. Your definition is more relevant to Cat C. A Cat D is when the cost of repair is probably lower than the car value.*
    As for comments about insurance companies not knowing about whether they need an engineer's report or not, that is usually a Policy matter. (Their Operating Policy, not Insurance Policy.) My last car and current car were both Cat Cs, and my insurer is quite happy without one.
    *Cost to insurance company for recovery and storage, for instance, could be enough for the insurance company to write a car off as a Cat D, or cost of a courtesy car whilst parts are being obtained.

  9. #9
    Join Date
    Nov 2013
    Posts
    14

    Default

    Most insurance companies have no problem insuring a car that has been repaired and has category C or D on the logbook nor should you receive any kind of loading on the premium. Nor (if the car has been repaired and got an MOT) should they ask for an engineers report. Remember, most insurance repaired cars do not have category C or D on the logbook so why should it make a difference. You should always tell your insurers all information about your car including that your car is a Category D or C repaired vehicle.Insurance companies get cars repaired and DO NOT take the insurance from the owner or load the premium more. These cars that are repaired by the insurance companies rarely get an engineers report done.I buy and repair category C and D cars. I and my wife drive our cat C cars and insurance has never been a problem.Identical cars A and B both have identical damage. Car A was in London while car B was in Stockport. It cost £900 more to fix car A that car B because of the storage charges in London. It so happens that they are both with the same insurance company (not that it really matters).The same Loss Adjuster decides not to have car A repaired (so car A automatically gets a category C) as the repair cost for car A are £400 above his maximum for that cars year and model however he will get car B repaired.So car B gets repaired and is not shown on any database and the owner certainly will never tell a future buyer that fact and even if he did the car is NOT on any database as a category car.Car A however is bought from the insurance company by the registered workshop (not that it really matters) that repaired car B. They repair car A to the same standard BUT car A is now on the HPI register as a category C and no matter how many engineers inspect and pass the car it cannot be removed from HPI's database. Even if (after a £300 test) HPI categorised the car as Condition inspected the car is still category C.There is a good argument that ALL cars that are damaged should be given a category listing that stays with the car even after repair, no mater who gets them repaired. Then watch insurance premiums rise through the roof.The whole setup requires a kick up the backside. If all repaired cars (like the ones repaired by the insurance companies) could be independently inspected then DE-categorised before being resold then this whole category nonsense could be a thing of the past.GOV.UKReported road casualties Great Britain: annual report 2012https://www.gov.uk/government/public...al-report-2012Kind RegardsBarry Hensall (CatigoryCars Ltd)

  10. #10
    Join Date
    Nov 2013
    Posts
    14

    Default

    Quote Originally Posted by S2000Nut View Post
    it would appear that there is some confusion with Cat C and Cat D write off's.
    Insurance companies do not seem to know the difference.

    When i phoned the DVLA to ask the difference they told me that Cat C was the worst case of the 2 with an engineers report required before the car can legally go back on the road.

    Cat D is purely cosmetic damage that is more than the value of the sum insured hence not worth the insurance companies time to fix. thus write it off.
    Cat D does not require an engineers report to put the car back on the road.
    I attach a link that was also quite helpful.

    http://www.carsalvagefinder.co.uk/ca...categories.php

    I hope this is some help.

    B
    The above statement by DVLA is total nonsense and I doubt they said it.
    Vehicles are put into category C or D based on the official following criteria:-

    A: Not allowed to be repaired or parts sold, to be sold only for its recyclable content.
    B: Heavy damage, Not repairable, can be broken for spare parts only, shell must be crushed.
    C: Repairable, where the insurer's repair costs exceeded the vehicle's pre-accident value.
    D: Repairable, where the insurer's repair costs did not exceed the vehicle's pre-accident value.

    The information the link in this article takes you to is not oficialy correct.
    There are only FOUR ofishal categories and only FOUR are recognised by DVLA and HPI (A,B,C,D) (DVLA get there category information from HPI).

    The category C or D given to a vehicle is mainly determined by the cost of repairs in relation the vehicles age and value.
    A category C vehicle can have less damage than a vehicle with a category D listing.
    Only a category C vehicle is subject to a VIC test.
    The VIC test is presently under review.

    Association of British Insurers Code of Practice for the Disposal of Motor Vehicle Salvage
    https://www.abi.org.uk/~/media/Files...20salvage.ashx

    Kind Regards
    Barry Hensall (CatigoryCars Ltd)

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