Putting a Cat-D back on the road??

Nelspeth · 11th March 2010, 12:01

Hi people, just been reading the thread about the ZT-T V8 that has been writen off, got me thinking.
Just been doing some research on Cat-D's am i right in thinking that as long as the vehicle is repaired, then inspected by an independant garage as long as it passes an MOT its fit for the road again??
Reason im asking is there are loads of ZR's (amongst others) on the Copart website for only a few ££'s only needing a wing or very minor work to get back on the road.
A repair like this would be half a days work for me and the mrs really wants a ZR...lol

Whats your thoughts????

Cheers..

Paul..

calibrax · 11th March 2010, 12:07

I believe that Cat D just needs an MOT, and any other inspection isn't a legal requirement. However, the main problem with a car classified as a write off is getting insurance. Lots of companies won't touch them at all, so your choice is severely limited, and therefore more expensive.

Nelspeth · 11th March 2010, 12:19

I think if you could get a decent ZR on the road for next to nothing then paying a little more for insurance would not be a big deal! from what iv seen you could buy and repair a good ZR for a couple of hundred £!!
here
Looks like it just needs an O/S/F door, £50 from breakers and a good valet

Has anyone here got a Cat-D car that they drive??? would like to know how much more the insurance is on it.

Paul..

Departed 32016 · 11th March 2010, 12:23

Insurance wouldn't be a problem, you could get insured with a majority of insurers- just check the small print, most companies will insure you but will only pay out 1/3rd of book value. As above, yes just an mot needed and V5 may need to be applied for. Most cars cat d are very light damaged especially our cars I've seen a dented sill be a cat c write off...

Nelspeth · 11th March 2010, 12:34

With the car only costing very little in the first place i think i would only go 3rd party insurance anyway!!
Just phoned a couple of insurers 'AXA' and 'Tesco' they say "Computer says No" ill keep looking...lol

Paul..

Nelspeth · 11th March 2010, 13:05

Adrianflux Insurance will insure a Cat-D vehicle and they dont put any extra on the policy because its a Cat-D!! just got a quote for my partner and she got a very reasonable price!!
This is lookin like a good way to get a nice car for very cheap!!

Paul...

patrolman pete · 11th March 2010, 13:14

My Tourer received a kick up the backside last year writing her of as a cat D. I bought her back and thanks to help from the club replaced the tailgate and had the bumper repaired and repainted and the only condition from the insurance company was a new MOT. To look at her now she is imaculate but i'll have to wait until August to see if i have any fun and games with insurance qoutes!

stocktake · 11th March 2010, 13:39

I'ts either a cat c or cat d that needs a VIC as well, simply book it into a VOSA site and it takes around 20 mins and £36 last time I did it, then off you go

Nelspeth · 11th March 2010, 13:50

Quote:

Originally Posted by stocktake

I'ts either a cat c or cat d that needs a VIC as well, simply book it into a VOSA site and it takes around 20 mins and £36 last time I did it, then off you go

From what iv read its a Cat-C that needs a VIC check, Cat-D just an MOT!!

Categories Of Write-Off

An explanation of the categories of write-off are listed below:
Category A
A vehicle which should have been totally crushed, including all its spare parts.
Category B
A vehicle from which spare parts may be salvaged, but the bodyshell should have been crushed and the car should never return to the road.
Category C
An extensively damaged vehicle which the insurer has decided not to repair, but which could be repaired and returned to the road.
Category D
A damaged vehicle which the insurer has decided not to repair, but which could be repaired and returned to the road.
Category F
A vehicle damaged by fire, which the insurer has decided not to repair.
Theft
These vehicles have not been recovered and ownership rests with the insurer who made the total loss payment. They are able to repossess the car as soon as it is identified, even if it has been bought innocently.

Paul...

WIDE LOAD · 11th March 2010, 14:06

I bought a Vauxhall carlton cdx years ago with every single extra you could imagine. Paid £1500, £200 on bits from the scrap yard and I had a car which cost £29500 when new 5 years earlier. I wrote it off 18 months later, good and proper but still got £2200 off the bloke who shunted me and they let me keep the car

11th March 2010, 12:01	#1
Nelspeth Regular poster MG ZT190+ Join Date: Feb 2010 Location: Cheadle Hulme Posts: 94 Thanks: 0 Thanked 1 Time in 1 Post	Putting a Cat-D back on the road?? Hi people, just been reading the thread about the ZT-T V8 that has been writen off, got me thinking. Just been doing some research on Cat-D's am i right in thinking that as long as the vehicle is repaired, then inspected by an independant garage as long as it passes an MOT its fit for the road again?? Reason im asking is there are loads of ZR's (amongst others) on the Copart website for only a few ££'s only needing a wing or very minor work to get back on the road. A repair like this would be half a days work for me and the mrs really wants a ZR...lol Whats your thoughts???? Cheers.. Paul..

11th March 2010, 12:07	#2
calibrax Posted a thing or two BMW 4 Series Join Date: Nov 2008 Location: Rochester, Kent Posts: 1,975 Thanks: 29 Thanked 37 Times in 28 Posts	I believe that Cat D just needs an MOT, and any other inspection isn't a legal requirement. However, the main problem with a car classified as a write off is getting insurance. Lots of companies won't touch them at all, so your choice is severely limited, and therefore more expensive. __________________ Steve 2004 MG ZT+ CDTi 160 (sadly now gone!) 2015 BMW 435d GranCoupe XDrive

11th March 2010, 13:39	#8
stocktake Vis Whiz Rover 75 2.5 auto Saloon Join Date: Jun 2007 Location: LEEDS Posts: 20,591 Thanks: 2,057 Thanked 3,056 Times in 1,621 Posts	I'ts either a cat c or cat d that needs a VIC as well, simply book it into a VOSA site and it takes around 20 mins and £36 last time I did it, then off you go __________________ Dave... Lost a few stones and a Gall Bladder and part of a bile duct and all of my dignity in the suppository incident

11th March 2010, 14:06	#10
WIDE LOAD Gets stuck in MG ZT-T CDTi, MGF 1.8i Join Date: Aug 2009 Location: Wolverhampton. Posts: 754 Thanks: 0 Thanked 4 Times in 4 Posts	I bought a Vauxhall carlton cdx years ago with every single extra you could imagine. Paid £1500, £200 on bits from the scrap yard and I had a car which cost £29500 when new 5 years earlier. I wrote it off 18 months later, good and proper but still got £2200 off the bloke who shunted me and they let me keep the car __________________ http://www.stobartshop.co.uk/images/membeslogo2.gif http://www.midlandsnanomeets.co.uk/i...nocard_sig.jpg

11th March 2010, 12:19	#3
Nelspeth Regular poster MG ZT190+ Join Date: Feb 2010 Location: Cheadle Hulme Posts: 94 Thanks: 0 Thanked 1 Time in 1 Post	I think if you could get a decent ZR on the road for next to nothing then paying a little more for insurance would not be a big deal! from what iv seen you could buy and repair a good ZR for a couple of hundred £!! here Looks like it just needs an O/S/F door, £50 from breakers and a good valet Has anyone here got a Cat-D car that they drive??? would like to know how much more the insurance is on it. Paul..

11th March 2010, 12:23	#4
Departed 32016 This is my second home Rover 75 Join Date: Sep 2009 Location: Edinburgh Posts: 5,190 Thanks: 101 Thanked 257 Times in 145 Posts	Insurance wouldn't be a problem, you could get insured with a majority of insurers- just check the small print, most companies will insure you but will only pay out 1/3rd of book value. As above, yes just an mot needed and V5 may need to be applied for. Most cars cat d are very light damaged especially our cars I've seen a dented sill be a cat c write off...

11th March 2010, 12:34	#5
Nelspeth Regular poster MG ZT190+ Join Date: Feb 2010 Location: Cheadle Hulme Posts: 94 Thanks: 0 Thanked 1 Time in 1 Post	With the car only costing very little in the first place i think i would only go 3rd party insurance anyway!! Just phoned a couple of insurers 'AXA' and 'Tesco' they say "Computer says No" ill keep looking...lol Paul..

11th March 2010, 13:05	#6
Nelspeth Regular poster MG ZT190+ Join Date: Feb 2010 Location: Cheadle Hulme Posts: 94 Thanks: 0 Thanked 1 Time in 1 Post	Adrianflux Insurance will insure a Cat-D vehicle and they dont put any extra on the policy because its a Cat-D!! just got a quote for my partner and she got a very reasonable price!! This is lookin like a good way to get a nice car for very cheap!! Paul...

11th March 2010, 13:14	#7
patrolman pete Posted a thing or two Rover 75 club se tourer CDT and a Connoisseur SE Diesel Auto Saloon Join Date: Nov 2006 Location: Houghton - le - Spring Posts: 1,418 Thanks: 618 Thanked 333 Times in 197 Posts	My Tourer received a kick up the backside last year writing her of as a cat D. I bought her back and thanks to help from the club replaced the tailgate and had the bumper repaired and repainted and the only condition from the insurance company was a new MOT. To look at her now she is imaculate but i'll have to wait until August to see if i have any fun and games with insurance qoutes!