Cat 'D' insurance write-off?????

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Mr Posh

Mr Posh

New Member
Posts
20
Location
West Oxfordshire
Hi all,
having been without a Landy for a while, I've found a very sweet 90 TD5 I'm negotiating on, but having done an HPI check, it's thrown up that it's a Cat 'D' write-off.

This in itself isn't a deal-breaker as I'm well aware of what that implies, along with effects on resale etc, but does anyone know if there's a way of finding out exactly what caused the total loss, i.e. an accident or stolen/recovered, as that'll make a big difference as to what I might pay. The HPI check doesn't give that much detail unfortunately!

The vehicle in all other respects is a gem - clean, straight, tidy, drives nicely and no obvious faults, so I don't want to immediately turn it down without good reason.

Cheers,
Mike.:5bcheers2:
 
Cat 'D' is not so much the amount of damage done to the vehicle, its the cost to repair. My Disco TD5 was a Cat 'D', it had a busted bumper, radiator and bonnet. The cause was a lump of wood chucked up on the motorway, smashed through the bumper and rad plus damage to the leading edge of the bonnet. All this was done and repaired before I bought the vehicle, the owner bought it back from the insurer and replaced the busted bits himself. I was quite happy with this as the vehicle was worth a grand less with the Cat D shown as repaired on the HPI. So providing you're prepared to keep the vehicle for some years its not a problem. There was no problem when I insured the vehicle.
 
Good stuff! I was starting to think it'd be a good buy, and subject to the Engineer's report saying it's all ok (a proper Landy engineer too) I reckon it's a go-er. And yes - the aim is to hang on to it for a long while!:crazy_driver:
 
I once heard from a pal in the insurance trade that a car can aquire a cat d if it is stolen with the keys and missing for more than 1 month or 3 months (I can't recall which).
 
As long as your not paying the full market price and all/any repairs are done right its a good way of getting a cheap car
Cat D is the least damaged they start at A
I've bought cat C cars before with side damage that dont need any work doing just a dent along the side that you can live with but because of there age and market price have been write offs
 
As above really.
Ive had a few in the past and my current Disco was written off in 2006 but its fine.

Cat D is normally light to medium cosmetic damage which is uneconomical to repair.

Cat C is normally light to medium body damage which is uneconomical to repair which will have had a VIC check.

Depending on age it should be cheaper.
 
I'm suspicious of these two new posters with names ending 89. I've had a quick look at the first ones other posts, two of which contain links to an essay writing service & I think we have at least one spammer.
 
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