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You’ve been in a bump and told your car is an insurance write-off, and terms like Cat C or Cat D are banded about in the motor trade, particularly when shopping for a new car.
One thing’s for sure, selling the vehicle fast can become a chore, due to their condition.
A Cat C is classified as a vehicle with repairable total loss: Cat C cars can be put back on the road, since damage is repairable. The difference here between these and a Cat C is that the repair costs are less than the value of the car.
These are the cars you need to look out for most, as they are more likely to be repaired and put back into circulation at a dealership. In general, if you’ve been in a bump, try to avoid having the car written off if possible. Enter your email address to subscribe to our car advice and receive notifications of new posts by email.
So you’ve made it out alive, but your car is in tatters and the insurance company has just told you that your car is a write-off.
Your insurance company will send your car to a garage of their choice and it will be their mechanic that has decided that it will cost more than your car is worth to repair. Always reject the first offer that your insurance company proposes, most insurers will expect you to haggle with them.
Once you’ve agreed on an amount, your insurance should send you a cheque for the total amount, at this time you need to claim back any road tax that may be due to you. You’ll also need to make a SORN (Statutory Off Road Notification), this basically tells the DLVA the vehicle has been scrapped and is no longer on the road.
This step is really important as it releases you from any responsibility as the car’s owner and will stop you receiving a hefty fine and possible court order. Finally if you pay your insurance annually and your car has been written off before the year is up, then you might be entitled to a discount if you insure your new car with them, so it’s well worth asking. It’s a hassle writing your car off, but once you’ve agreed on an amount with your insurer, it can be wrapped up in a very short amount of time. Thank you for visiting, the site with the best collection of automotive-related images in the world! Category A The vehicle must be scrapped and no parts or components can be sold other than for scrap. Category B The vehicle must not be used again but non- structural and roadworthy parts and components may be recovered for use in other vehicles.
Category C The vehicle is repairable but the parts and labour would exceed the value of the car.

Category D The vehicle is economically repairable but other factors are involved that cause the insurer to declare the vehicle a write off.
Thank you for the information.I will recommend to anyone to check with cartell first before purchasing a car. If you have a car written-off by an insurance company, don’t think the cheque arriving in the post will be enough for you to replace your old car. Time and time again, motorists find that the cash offered by their insurer falls well short of their vehicle valuation.
The result is the cash only pays for a cheaper car and the car insurance pay out does not put the motorists back in the same financial position as prior to the incident that caused the write-off. The problem seems to be that increasingly motorists trust their insurers to do the right thing after a crash, but the insurer seems to look at every possibility available to avoid making a pay out. The insurer will consider every dent, scuff and scratch inside and out to argue the cost of replacement down.
The best way to counter the offer is to scour the locality for a similar car for sale that has clocked up the same mileage.
If the price is higher than the insurer’s offer, send photos and details of where the car is on show so the in surer can reassess their valuation.
If the local price of a similar car is higher, but the insurance company still does not accept their offer should be increased, consider an independent assessment.
Several garages and motoring organisations, like the AA and RAC, will send out an independent expert to value a car for a small fee. In the even you want to fix your car up, you must subject to a Vehicle Identity Check (VIC). Once yours has been classified as a car written off it doesn’t necessary mean that you’ll never see it again. At this stage you can chose to have an independent mechanic look at the car and re-evaluate the original report, this is something that you will have to arrange yourself and you might incur a small cost.
Try to find the same model, make and year with similar mileage and see how much it is being sold for. Direct them towards your online estimates, it will show that you’ve done your research, don’t forget to add extras or special features your car might have had and also what condition your car was in before the accident. In an ideal situation, before your car was taken away you would have removed everything from the car, including your TAX DISC. If you have your tax disc go to and fill out the online V14 form, again you should receive a cheque for any remaining months. You can either fill out the SORN section on your V5C registration certificate and pop it in the post or if you are the registered the keeper, you can fill out the form online, but you will still need the reference number on your V5C registration certificate.

Unfortunately the majority of insurance companies will not refund you for any remaining months on the policy.
Earlier this year my car was written-off and once the car had been given the once over by a mechanic and officially declared not road worthy, it only took a week to agree on an amount and receive a cheque! Feel free to comment on our photos to let us know what you think, and share our pictures with your friends. Amounts vary but the scrap value rarely covers the cost of recovery and delivery to a scrap yard.
Care must be taken to ensure that they are not critical components with important safety functions. Perhaps the replacement car hire is too costly or it will take too long for a specialist part to be delivered. Somewhere in the policy small print is a clause that say that not only should a replacement value be ‘like for like’ but the comparison should be with a similar local vehicle as well.
A motorist and the insurer should both agree to stand by the result – but if the price comes in lower than expected, the motorist not only loses the argument but the assessment fee as well.
Category A is severely damaged, total burnout or flood damage with no serviceable parts, or already a stripped out shell. A Category B will have been damaged beyond economical repair, usually with major structural damage.
Usually applies to vehicles with significant damage and where the cost of repairs exceeds the book value. In the UK the DVLA will require “Notification of Destruction” but parts can be removed and sold on. The Motor Insurers Anti-Fraud and Theft Register (MIAFTR) defines Cat C as repairable total loss vehicles where repair costs including VAT exceed the vehicle’s pre-accident value (PAV).
The Motor Insurers Anti-Fraud and Theft Register (MIAFTR) defines Cat D as repairable total loss vehicles where repair costs including VAT do nor exceed the vehicle’s pre-accident value (PAV).
In Ireland this vehicle would have to be disposed of in an authorised treatment facility and have a death certificate issued and the vehicle then becomes End of Life (ELV).

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08.04.2016 admin

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