CAT D, C explained
CAT D, C explained
Check the category
Vehicles in Categories A. B, C and D are categorised as per the Association of British Insurers Code of Practice for the Disposal of Motor Vehicle Salvage and are the only categories that will show on an HPI check.
Categories A and B can (but not always) signify the level of damaged incurred by the vehicle whereas C and D are determined by the cost of repairs in relation the vehicles Pre AccidentValue and have no bearing on the level of damage to the vehicle.
The categories can be defined as follows:
A: Vehicle will have suffered extreme damage in the past, probably in an accident. The vehicle had no salvageable parts, so most Cat A vehicles are destroyed. However, very occasionally a Cat A vehicle may be returned to its owner, who may subsequently repair it.
B: Vehicle will have suffered serious damage in the past, probably in an accident. Most vehicles are destroyed once any usable parts have been removed. However, very occasionally a Cat B vehicle may be returned to its owner, who may subsequently repair it.
S: Vehicle has specifically suffered damage to its structural frame including its chassis, probably in an accident. The insurance company that handled the claim decided that repairing the vehicle would have cost more than replacing it.
C: Vehicle will have suffered significant damage in the past, probably in an accident. The insurance company that handled the claim decided that repairing the vehicle would have cost more than replacing it.
D: Vehicle will have suffered damage in the past, probably in an accident. The insurance company that handled the claim decided that repairing the vehicle would have cost more than replacing it.
N: Vehicle has suffered some damage, probably in an accident, but not to its structural frame or chassis. The insurance company that handled the claim decided that repairing the vehicle would have cost more than replacing it.
Retail Ready: Vehicles prepared to retail standard and sold with a MOT (where applicable).
CatigoryCars buys cars that only have panel damage or cars that have been stolen recovered or HP recovered. We do not buy cars that have any shell/chassis damage.
Once repaired some Category C cars did require a DVLA VIC (vehicle identity check).
The VIC test was phased out on 1st October 2015.
Hard Facts and Total Nonsense
A car given a Category C or D does not mean the "car" is a 'write off' or 'total loss'
Insurance companies often call vehicles involved in an accident a 'write off' or 'total loss', which gives the wrong impression to anyone not familiar with the insurance or salvage industry. An insurance company faced with a claim first estimates the financial cost of repairing the vehicle to its pre-accident condition. The cost of the repair will be based on new parts prices, main dealer garage labour and storage charges, often making it uneconomical for the insurance company to carry out the repair.
If the financial cost to the insurance company is the same or near to the market price, the insurance company would normally call this vehicle a write off which means that they will 'write off' the financial cost of the repair, not the vehicle itself.
The term total loss is also often misused. It actually means the insurance company made a complete financial loss, i.e. they recovered no money from the sale of the salvage and therefore made a total financial loss on the claim.
Identical cars A and B both have identical damage. Car A was in London while car B was in Stockport. It cost £900 more to fix car A that car B because of the storage charges in London. It so happens that they are both with the same insurance company (not that it really matters).
The same Loss Adjuster decides not to have car A repaired (so car A automatically gets a category C) as the repair cost for car A are £400 above his maximum for that cars year and model, however, he will get car B repaired.
So car B gets repaired and is not shown on any database and the owner certainly will never tell a future buyer that fact and even if he did the car is not on any database as a category car.
Car A, however, is bought from the insurance company by the registered workshop (not that it really matters) that repaired car B. They repair car A to the same standard BUT car A is now on the HPI register as a category C and no matter how many engineers inspect and pass the car it cannot be removed from HPI's database.
A vehicle can undergo a £300 Thatcham approved HPI vehicle inspection by AutoLign. This is the only UK inspection approved by HPI and MIRRC. It is a thorough test run by highly qualified vehicle engineers. Any repairs to the vehicle must be perfect or it's a fail, no compromise.
After a vehicle has passed this examination it is removed from HPI's active Vehicle Condition Alert Register (VCAR) and reclassified on the Condition Inspected register.
It no longer retains its category C or D listing (although it could take a few weeks for all databases that have got data from HPI's database to show the change).
In other words, the £300 Thatcham approved HPI vehicle inspection proves that the vehicle is back in excellent roadworthy condition and been repaired to the manufacturers' original specification.
PS Just a footnote: Please note: the 104,143 cars that were repaired (2014/15 year) by the insurance companies had no inspection anything like the above if any inspection at all plus is the seller going to tell you the cars history (as insurance companies do not stick a Cat C or D on their repaired cars).
Did You Know? Just because your vehicle has no accident history recorded against it, doesn't mean it's never been in an accident before. There were approximately 104,143 thousand repaired cars www.gov.uk/government/statistical-data-sets/ras20-drivers-riders-and-vehicles-in-reported-road-accidents put back on the road in 2014 to 2015. These damaged car's that are repaired through their insurance will have nothing recorded against its history and so this information can easily be hidden from you the buyer.
CatigoryCars know our cars have to be in excellent roadworthy condition and nothing is hidden from you.
Category C - Generally applies to older vehicles
This is no longer a rule of thumb. It also often surprises me the category a car is given (I scrapped a new car because on closer examination I felt it should have been a category B).
Category C or D cars are not safe or roadworthy / Buying a non-category car is safer
Any car that is not looked after, serviced correctly, or repaired correctly is most probably not safe or roadworthy. Any car bought from a private individual that is not inspected means you really don't know if it is safe or roadworthy. All cars repaired by CatigoryCars come with a 3-month money back warranty. CatigoryCars has never had a car returned to us for any reason.
Am I likely to experience difficulties in obtaining insurance for a Category C or D car?
Most insurance companies have no problem insuring a Cat C or D car that has been correctly repaired nor should you receive any kind of loading on the premium.
The 104,143 cars that were repaired (this year) by the insurance companies had no AutoLign inspection if any inspection at all but are still insured. Also as they do not have HPI category C or D listing no insurance company knows the cars history.
Insurance companies sell insurance, if they don't they go bust. They have to be competitive (cheap). They keep their cost down by selling the cars they don't repair as damaged repairable. If they all started to not insure a repaired Cat C or D then (believe me) no one would buy their cars and insurance premiums would go through the roof. You should always tell your insurers all information about your car including that your car is a Category D or C repaired vehicle.
The Category C or D has something to do with the level of damage
Categories C or D have nothing to do with the damage sustained in an accident, categories are given to a vehicle based primarily on the cost of repair.
Category C cars are more heavily damaged than Category D
The category C or D given to a car is mainly determined by the cost of repairs in relation to the vehicles age and value. A category C car can have less damage than a car with a category D listing.
Insurance companies don't write a car off with hardly any damage?
Is it all about money? A desirable model car will have a very high salvage value, insurance companies no longer rely on percentage of the p.a.v. to assess a salvage value, they look what previous salvage vehicles of the same type have made at their dealer sales and take this into account when deciding which is the way they lose the least amount of money.
The MOT does not mean the car is roadworthy
Contrary to popular belief a badly repaired car will fail the MOT as any visible chassis damage is a failure. However, there is always the possibility a MOT test centre will miss something whether the car is a category D or C or not.
CatigoryCars know our cars have to be in excellent roadworthy condition and that's why all our cars go through an independent Autolign test and I give all my cars a 3 month no quibble money back guarantee.
All Category C or D cars must have a MOT
A common misconception is that a category C or D car must be MOT retested before it can go back on the road, this is not strictly true. If the vehicle still has an MOT, a duplicate could be reissued or the vehicle is under three years old.
CatigoryCars know our cars have to be in excellent roadworthy condition and that's why I put all our cars through a MOT whether they require it or not.
If you need any further information please do not hesitate to contact us. Thank you,