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WeeGord Posted on 17/07/2017 10:35
Ever bought a Cat D write-off?
 
 
Seen a lovely car over the weekend but its been a Cat D write off. Couple of owners back so the current owner apparently doesn't know the reasons behind it. However, looks immaculate and has subsequently passed a couple of MOTs.

Insurer seems fine with it, but has anyone had any positive / negative experiences with them? Cheers [^]
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goingnowhere Posted on 17/07/2017 10:59

Ever bought a Cat D write-off?

 
I think I would be looking at how many owners since it has been a Cat D and how long they kept it for. If it's had a few owners since and they only kept it for short periods stay well clear.

Cat D can be nothing in terms of damage and just an insurance company decision that it's not worth repairing in the overall value. If a car was worth 10k and had 4k worth of repairs including labour but they could get 6k in damaged sale value for the car without repair they would write it off. Doesn't take a lot of damage to create big bills for labour.

Downside is it will always be worth less as a Cat D if you come to sell it especially if you have no record of what was wrong with it or photographic proof of damage as like your doing now your asking questions of if you should buy one.

If it had a relatively long term owner, looked immaculate and was going to save a decent chunk of money and not just slightly cheaper then yes why not consider it. If it would save enough get a company like RAC to do an inspection on it and then they will do a thorough inspection and give you a full report of their findings and would probably be able to tell you what damage has been done if any traces have been left behind. You also get a warranty from them too.
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WeeGord Posted on 17/07/2017 12:10

Ever bought a Cat D write-off?

 
Thanks mate, appreciate it. The car I am looking at is a Mercedes C220 CDI AMG, and its around 4,000 less than comparable year and mileage cars that aren't cat D write offs.

It's a private sale which is why I am being very cautious about it - that said, the guy selling it owns a prestige garage selling luxury cars but they've never sold insurance write-offs hence the private sale.
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japsterbor0 Posted on 17/07/2017 12:26

Ever bought a Cat D write-off?

 
In theory, if you have it inspected and its all fine, then you should be ok ... as long as the price is relative.

I just think come selling time it could take longer to move in so I wouldn't bother with a Cat D car. I'm sure many in the motor trade have seen more damage to none categorised cars than those that have been registered as a Cat D!
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Ticker_Tape Posted on 17/07/2017 12:36

Ever bought a Cat D write-off?

 
Its getting shot of it if you dont like it or whatever WG.
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colin21 Posted on 17/07/2017 12:38

Ever bought a Cat D write-off?

 
Lift up the rear carpets and have a look for any creases in the rear under body, if you see them leave well alone.
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WeeGord Posted on 17/07/2017 12:39

Ever bought a Cat D write-off?

 
My intention is to keep the car for 3 years at least, I have kept cars 4 years and 5 years in the past too so I'm not too fussed about that aspect of things.

I appreciate that when I do come to dispose of the car it may be more difficult to move on, but if I am paying around 30% below the market rate, then surely by selling it at the same kind of reduction down the line with FSH, receipts, MOTs etc it shouldn't be too much of a task if the car is still in great nick and been well maintained?
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Ticker_Tape Posted on 17/07/2017 12:45

Ever bought a Cat D write-off?

 
He`d be able to supply a full service history on anything you want owning a garage, either his or pals etc.

Give it a miss WG.
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Boro_Boro_Boro Posted on 17/07/2017 15:32

Ever bought a Cat D write-off?

 
Deffo dodgy if he isnt prepared to sell it through his business. it means that sale of goods act doesnt apply to yourself if it goes wrong.

Sounds like he has been sold a lemon either at auction or Part ex and wants rid.

General rule is a Cat D is valued 25% Less than non CAT D.

Personally wouldnt touch a write off no matter how light the damage... cars are different to how they were 20+ years ago and now chassis and body are all are mostly subframes that are connected... even a light knock to this can cause issues down the line.

also remember that it was deemed too expensive to repair in a franchise Garage so instead "BOB" did it in his lockup with unknown parts and no QC on the repair or the paint job in order to make a quid or two... so chances are the parts are not genuine merc.
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ChrisTheRed Posted on 17/07/2017 15:37

Ever bought a Cat D write-off?

 
Get it independently checked over.

A cat d write off could be anything really... Someone might have keyed every panel or alternatively it could have been stoved in to a wall. Without pictures and information from the owner at the time it is impossible to tell.
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WeeGord Posted on 17/07/2017 15:38

Ever bought a Cat D write-off?

 
The service history can't be faked as apparently its all recorded centrally and is online with Mercedes.

Been to see the car and its spotless, previous owner had it for 18 months though he bought it after it was written off.

Part ex'd it for a newer Merc.
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goingnowhere Posted on 17/07/2017 17:27
Edited On: 17/07/2017 17:28
Ever bought a Cat D write-off?

 
At the end of the day only you can decide what's right for you. If the previous owner had it for 18months they would have noticed any issues with the repairs and tried to get rid.

I would be very cautious about buying it from a dealer who won't sell it through his business, that part does sound very dodgy as the protection you would get through buying from a business could be worth the value of the car.

As for cars being bodged from a previous comment what a load of rubbish. Some could be like that but generally top line cars which have repairs will end up being done to a high standard. Don't forget a merc dealer will charge probably around 90 a 120 per hour labour but obviously don't pay their workers that much so make massive profits on the labour side. Parts are not the expensive part of any repair job.

Some people are just too up themselves to buy a car that's had a bump. It's not a big bump and cannot have structural damage as a Cat D. See the link below for RAC explanations for each Category
.
Do what your comfortable with and what makes you happy.

Link: RAC
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POKERTIME55 Posted on 17/07/2017 18:36

Ever bought a Cat D write-off?

 

Lift up the rear carpets and have a look for any creases in the rear under body, if you see them leave well alone.










How do you lift the carpets ? you have to start pulling trim off it . I have never ever seen any one lifting a carpet in a car. would take ages .

Would,t the creases be visible from under the car if it had any creases in the floor panel ?
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northstand126 Posted on 17/07/2017 21:20

Ever bought a Cat D write-off?

 
Cat D is only cosmetic damage so little point lifting the carpets ... just check with DVLA that it was Cat D
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newusername Posted on 22/07/2017 22:00

Ever bought a Cat D write-off?

 
Oof that's some unlucky shinizzle right there.
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TABLOID_MAN Posted on 23/07/2017 10:28

Ever bought a Cat D write-off?

 
An AMG Merc is always going to be worth money, so it must have been something quite expensive for the insurance to decide not to repair it.

Whatever, you need to remember that when you come to sell it, potential buyers will have the same doubts you are having now. Personally I would not go near - plenty of cars around.
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WeeGord Posted on 23/07/2017 10:52

Ever bought a Cat D write-off?

 
Bought it Tuesday, somebody smashed into the back of me on Friday... [:(!]
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gramercy Posted on 23/07/2017 18:21

Ever bought a Cat D write-off?

 
Unless its letting you buy a car you wouldn't otherwise be able to afford, or you only plan on having the car for a few years it can be a false economy.
Your getting a discount compared to a non cat d car. But so will the person you sell it to.
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