hello mate, your insurance wouldn´t be anymore because the viechle is a cat c/d , ive had cat c´s and d´s in the past you dont say to your insurance that its a cat d for e.g they will already have all the details/history of the viechle just from the reg anyway imo your insurance wont be anymore, cat c/d are good buy providing all damage as been fixed properley and your planning on keepin for a good amount ov time,only downside is they can be a pain to get rid of as and when you want to sell cause a lot of folk think cat c/d could be a death trap or somthing along them lines, thats not the case though mate, just be careful wat you buying and get it checked over

I echo what Col has said, catD are easily sold on as nobody knows unless they check the history through their insurance company, but catC actually say on the log book front cover – substantially damaged/repaired and these are much harder to sell on. I have had loads of damaged repairables with no real problems, i currently have a 1997 Ford Ka with 76k on the clock, 1 owner from new that i bought taxed + tested for £225 as it had been repaired but it runs and drives perfectly. Surprisingly it also fits all my gear in with the seats folded down.

also the car youve mentioned sounds like a cat d to me, which is mainly cosmetic damage,just get it checked over, h.p.i check it and it will tell you what cat it is, a cat c means the damage was a bit more serious than a cat d but still repairable,if you gona go down the road of a c/d just h.p.i check it and get a mechanic to giv it a once over for you

Cat D motors are ones usually with repairable damage where its not economical for insurance companies to fix them due to the fact that they have to guarantee the work for 2-3 years. Its not to say the car is a death trap as has already been pointed out and you can pick up some bargains.

However if you dont disclose to your insurance that the vehicle has previously been a write off they can refuse to pay out in the event of an accident – I know as I deal with insurance companies every day and have seen it many times.

Check with your insurer first, as some companys won’t insure them. A mate is trying to sell a CatD diesel Scenic at the moment and is struggling big time. I saw the car prior to repair and it required a bumper, wing an bonnet (bonnet could have been repaired). That was it!

Hi Mike, the reasons these cars are not repaired and classed as cat D or C is down to cost, its cheaper for the insurance company to pay out the insured person and then they sell the damaged car to a salvage company. The reason for this is the cost of genuine replacement parts and the rising labour costs that body shops and repair centres charge. If you are planning to keep the vehicle for many years then a cat D or C is a good choice. my last fishing car was an astra estate which was cat D, it had a smashed front bumper and no brakes, repaired and back on the road it owed me £1200, i ran that car for two years up until april last year when it got hit on a roundabout, the insurance paid out £1790. I went and bought another damaged cat D car which is a fantastic vectra sri diesel estate which is my current fishing car.