Question regarding Category D car write off

[loren1987]

Hello all
i am considering buying a new car it is a 57 plate vw golf but i have done a check and it is a category D. I know that this is the least damaged category but when it comes to the insurance does it mean that if i have an accident that the insurance would not pay out? Im unsure what it means to be honest and any info would be very useful.
Thank you

Category C and Category D Registered Cars

[ladybirder]

No it doesn't mean the insurance won't pay out. NOX is your man on this. He was very helpful to me when I asked a similar question recently.

[ladybirder]

Here's the link.http://www.theanswerbank.co.uk/Motoring/
Cars/Question1075184.html

[flip_flop]

No, it won't stop the insurance company from paying out. Category D are not 'write-offs' as you and I would know them, they are perfectly repairable.

The problem you will have, however, is when you come to sell it. Unless you price it somewhat below non-cat D write-offs, buyers will shy away.

[d9f1c7]

CatD means that it is not economical to repair so it is written off but is perfectly repairable. The problem arises when you realise that any repair must necessarily have been done on the cheap or the insurers would have done it, and as such the vehicle is effectively worthless as no one would buy it. This can happen if for many rerasons but a common cause is when an old but goood nick car is written off catd due to a bump the owner will often buy it back and do the repairs themselves but no one would actually buy it after that.

[ladybirder]

Sorry but I see my link didn't work so I am reposting. It will tell you everything you need to know.

http://www.theanswerb.../Question1075184.html

Hope it works this time.

[NOX]

No if the car has an accident the insurance company will pay you out no problem, as D9 said, it simply means that the insurance company didn't feel it was justified to repair it when it had a minor accident previously. This can happen for many reasons, the most likely being that things large plastic bumpers can run into hundreds new and insurance companies cost parts new plus labour at about £20 per hour, whereas they're really £30 from a breakers yard and can be changed by any tame chimp in about half an hour tbh. I nearly always drive cat D's or C's because they're value for money and not usually an issue.