Cat C car - would you or wouldnt you...

Hertsdriver · 13 Nov 2018

Heres the scenario... plenty of nice looking C2 and C4's around for £15k, but theres also a high spec low miles '02 C4s for the same price.... BUT its Cat C...

lets just say that they are all well maintained, well serviced and with good provinance, and the Cat C car has an inspection repair certificate post fixing (was apparantly cat C at 5 months old which does raise questions about how much damage was done to what would have been a £60k car then)

WWYD? :?:

Martin996RSR · 13 Nov 2018

I wouldn't, for the sole reason that it would be that much harder to sell when the time comes. There is no technical/safety reason not to, provided the car passes a thorough inspection and has all the relevant documentation. I probably would consider a Cat C or D car if it was a forever car that I wouldn't ever intend to sell on.

Grey996 · 13 Nov 2018

I wouldn't rule it out but for me I'd have to know exactly what was repaired and 100% that it was repaired properly.

Then you've the sale price when you sell, if it's a keeper then no problem but if you do sell you won't lose either so to speak, just remember you bought it cheap so you'll have to sell it cheap.

Hertsdriver · 13 Nov 2018

have been having the same thoughts... its at least £5k under the market value of a C4s, maybe more.. and it puts a much nicer spec of car in my price bracket (no offense to the non wide bodies but the turbo body does really look nice at least to my eyes). the plan with this car is to keep it at least 5 years and for it to hopefully not depreciate too much. I guess that wont make much odds in the future if I do decide to sell it as long as I factor in that it will be slightly harder to shift, and that it will need to be the same percentage under normal market value. Then in that time ive got to drive a much nicer spec of car (a bit like a PCP plan

)

hmmm

Robertb · 13 Nov 2018

Cat C means that it has had structural damage, so probably quite a big shunt. Inspection repair certificate is a plus. As said above, if it all checks out and is a keeper for the right money, then proceed with eyes open, but be ready to accept a discount come sale time.

I took a similar view with my 4S is as much as it was relatively high mileage when I bought it, albeit in well above average cosmetic condition and from a dealer I knew well and trusted. But it will always be a higher miles car if I come to resell.

Hertsdriver · 13 Nov 2018

yes, a big enough shunt to write it off when 5 months old.... head is saying walk away..

X51 996 · 13 Nov 2018

Regards values - yes it's cheaper and yes you'll sell it for less in the future.

Maybe take it for a 3D 4-wheel alignment check as part of a PPI, check ride heights and measure wheelbases etc - should show itself if it's a straight car or not.

Funny thing is you could spend £20/25k on one privately and the engine could go pop 2 months later.

Downside is it will cost just as much to fix/maintain a lower-value/categorised car.

IMHO it would be less of an issue on a 15/20 year old car like a 996 today than say a 5 year old car. Most 996s are pretty much rolling restorations of sorts nowadays anyway and even straight cars will have had paintwork, new radiators/condensers and stuff over the years.

Go and see the car and if you really like it just have it inspected first would be my advice. It's obviously been in use for some time if it was damaged at 5 months old?

Dammit · 13 Nov 2018

Friend of mine just had his 4 month old S90 T8 written off for damage to the paint - a concrete sealant in use on a site was sprayed over the car and has put indelible circles in all the glass and the paint on every panel.

I have no idea what the cost of replacing every window would be, but I do know what a repaint costs, and it strikes me that it's an interesting decision to write this car off - but I'm not an Insurance company.

Properly repaired I'd have no issues with a cat-C, problem is, of course, knowing whether it has been properly repaired - hence why I skipped any advert that said either cat C or D when looking for my car.

wasz · 13 Nov 2018

It would not put me off.

You need pictures of damage
Pictures of repair
Receipts

Needs to be 20% cheaper than equivalent. Personally I would only buy it if its bolt -on -off parts.

You will not have trouble selling it on, but no trader will take it.

Robertb said:
Cat C means that it has had structural damage, so probably quite a big shunt..

:frustrated:

No it absolutely does not mean that. The old cat c and cat d were financial measures of the total claim value (Inc hire cars and claims management fees) Vs the cars value. C was more than cars value, d something like 60%.

A damaged nearly new 996... hmmm what is the cost of renting a new 911 for a month or 2 whilst this one is repaired? plus "claims management" plus everything else.. might fairly easily write it off.

The new cat N and S do however mean exactly what you describe, they are not financially based, simply non structural (N) and structural (S). They changed specifically to avoid the confusion above.

HSC911 · 13 Nov 2018

It's worth a shot I think :judge:

It's been ok for the last 14/15/16 years :dont know:

My first thought was as above, take it to CofG for an alignment check :thumb:

Slutters · 13 Nov 2018

A 100% yes for me if it all checks out ok, pay less for the car, sell it for less, seems fair to me, you get a lower millage, higher spec car for less money, no one can tell when your driving along...

asterix_the_gaul · 13 Nov 2018

Many people won't touch a cat write off, but there's no reason not to essential as long as you go in with open eyes, just check with prospective insurers if they have any issues insuring it, they probably won't, but quote on an identical not cat write off car to compare: you just need a valid registration number and ask for quotes on two cars you are looking at

wasz · 13 Nov 2018

asterix_the_gaul said:
Many people won't touch a cat write off, but there's no reason not to essential as long as you go in with open eyes, just check with prospective insurers if they have any issues insuring it, they probably won't, but quote on an identical not cat write off car to compare: you just need a valid registration number and ask for quotes on two cars you are looking at

Yes the pool of potential buyers when you sell is smaller. But I've had a few recorded cars and sold for a suitable discounted asking within 1 month. You do seem to get more texts saying as a recorded car its worthless and you should sell it them for 50p, but just ignore and stick to asking price.

Never had an insurer mention it. If you write it off they might value it lower given its a recorded car, but that is fair enough and should be inline with what you paid.

baldguy · 14 Nov 2018

Some insurers wont touch CAT registered vehicles, so check first.... Personally I'd rather buy a cherished example, plenty out there and pay the small extra amount....

wasz · 14 Nov 2018

baldguy said:
Some insurers wont touch CAT registered vehicles, so check first.... Personally I'd rather buy a cherished example, plenty out there and pay the small extra amount....

Any evidence for this? I've never been refused Insurance by any company on 3 or 4 recorded cars.

A recorded car just means it wasn't financially viable for the Insurance company to repair the car on a whole claim basis. It's nothing to do with the extent of type of damage. Lots and lots of cars are repaired every day by Insurance companies,, would you not touch these either? How would you ever know?

Cat C car - would you or wouldnt you...

Hertsdriver

Hockenheim

Martin996RSR

Montreal

Grey996

Nurburgring

Hertsdriver

Hockenheim

Robertb

Yas Marina

Hertsdriver

Hockenheim

X51 996

Trainee

Dammit

Paul Ricard

wasz

Paul Ricard

HSC911

Sebring

Slutters

Monza

asterix_the_gaul

Barcelona

wasz

Paul Ricard

baldguy

Hockenheim

wasz

Paul Ricard

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