MK5 Golf GTI
All Things Mk5 => Mk5 General Area => Topic started by: ArildStavrum on September 25, 2012, 01:01:35 pm
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just a point for general discussion but would anyone or has anyone ever bought a Cat D car??
For example check this 2007 Ed30 Candy White with 50k miles for under £7500!!
http://www.autotrader.co.uk/classified/advert/201238485549825/sort/default/usedcars/colour/white/price-from/7000/price-to/8000/model/golf/make/volkswagen/onesearchad/used/page/1/keywords/gti/postcode/sw198ej/radius/1501?logcode=p
Im not looking to buy this ata ll but if I was on a tight budget and wanted a candy white ed30 surely this would be tempting?!?
Cheers
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Certainly.
CAT D Means the insurance said repairs were over 60% of the value of the car (50% with some companies)
As long as the Car has a VIC check done, I'd have no issues.
CAT C applies the same, but more thorough, CAT B on the other hand...
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Nowt wrong with a CAT D as long as its inspected.
Only problem comes with re-sale values, make sure you don't pay a lot for it !
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I looked at a cat D Ed30 for that price. It was an absolute mess and had had a very sad, hard life. Car needed to be put down really!
Just my experience, I've read about good cat D cars as well.
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If I was doing a bit of a mad project, Id probably look for one to initially save money as most/all of the parts would be renewed.
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I saw that candy white CAT D. Looked pretty nice :love:
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I know that car and who put it back together when it was bought smashed up as he said no chance he was putting the ed30 lip on the front as he was shocked how much it cost compared to the normal gti one :signLOL:
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I know that car and who put it back together when it was bought smashed up as he said no chance he was putting the ed30 lip on the front as he was shocked how much it cost compared to the normal gti one :signLOL:
Few corners have been cut then? :sad1:
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Personally speaking I would not touch a Cat D car as you dont know who has repaired it and what was done and (more importantly) if it was done well.
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Yeah personally I wouldn't get a Cat D. It could be repaired badly, or could be repaired just to hold up for couple months.
If you do buy, make sure you speak to Insurance, as it will cost more to insure, and also they might not pay out a full amount if you crash. Ask for pictures of the damage, and receipts of the damage being repaired.
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Yeah, I saw this ED30.... 'bargin' sprang to mind. But its priced to sell and I fear if i bought it I would feel on edge all the time!
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Certainly.
CAT D Means the insurance said repairs were over 60% of the value of the car (50% with some companies)
As long as the Car has a VIC check done, I'd have no issues.
CAT C applies the same, but more thorough, CAT B on the other hand...
cat d's dont need a vic check
Cat c's do
If your wanting to buy something like that then your better off buying it with the damage and fixing it up yourself imo. At least you will know yourself then if any corners have been cut
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I know of someone who makes a regular habit of buying and selling Cat D rides of the supercar variety. That's Lambo's etc and his recent is a Porsche Carrera GT but he's having trouble with Porsche helping him. I was very flattered by his interest in my car when we first met - I returned to my parked car to find him having a close look.
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My previous car,a mk5 gt170 was catd after I had a accident in jan this year.. TBH I was shocked as I fought it b a easy repair but anyway insurance paid up a good amount I'm happy with & in the end I brought a ed30
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My previous car,a mk5 gt170 was catd after I had a accident in jan this year.. TBH I was shocked as I fought it b a easy repair but anyway insurance paid up a good amount I'm happy with & in the end I brought a ed30
Did the car loose a lot of its value?
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My previous car,a mk5 gt170 was catd after I had a accident in jan this year.. TBH I was shocked as I fought it b a easy repair but anyway insurance paid up a good amount I'm happy with & in the end I brought a ed30
Did the car loose a lot of its value?
if airbags generally deploy, the insurance companys usually write them off as they price in airbag kits and a new dash, thats where the majority of the money goes
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My previous car,a mk5 gt170 was catd after I had a accident in jan this year.. TBH I was shocked as I fought it b a easy repair but anyway insurance paid up a good amount I'm happy with & in the end I brought a ed30
Did the car loose a lot of its value?
if airbags generally deploy, the insurance companys usually write them off as they price in airbag kits and a new dash, thats where the majority of the money goes
Yeah mate. The airbags went off
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I was going to be getting a e92 320 coupe before I bought my golf but the only one in my price range was a cat d
I found out that my insurance wouldn't cover me and a lot of insurers wort cover cat x cars (even though they will let you buy a policy online) decided against it because of the insurance issues
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With all the info above... I would pretty much stear clear unless you are Mr Insurance or 97 with 80 years no claim :rolleye:
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My ED30 is a cat d.
purchased myself from a company that got cars 30 at a time from insurers.
Basically had been broken into on dealers forecourt and the interior stripped. Only damage was to outer door skin.
If it the price is right wouldnt be put off. As with any used car it has to be judged on its merit.
Never had a problem insuring etc
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"Never had a problem insuring etc"
If you had an accident and made a claim , and the insurance company discovered that the car was a CAT D , I,m sure it would lower the pay out !
Insurance companies will do every thing they can to reduce costs (payments), as I said before , don't pay a lot for a CAT D car as its re-sale value is very low, I know as I had one and had trouble selling it.
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"Never had a problem insuring etc"
If you had an accident and made a claim , and the insurance company discovered that the car was a CAT D , I,m sure it would lower the pay out !
Insurance companies will do every thing they can to reduce costs (payments), as I said before , don't pay a lot for a CAT D car as its re-sale value is very low, I know as I had one and had trouble selling it.
Common sense suggests if you pay less in the first place you expect to get less back when time to sell or insurance pay out. Am i missing something?
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"Never had a problem insuring etc"
If you had an accident and made a claim , and the insurance company discovered that the car was a CAT D , I,m sure it would lower the pay out !
Insurance companies will do every thing they can to reduce costs (payments), as I said before , don't pay a lot for a CAT D car as its re-sale value is very low, I know as I had one and had trouble selling it.
Common sense suggests if you pay less in the first place you expect to get less back when time to sell or insurance pay out. Am i missing something?
:signLOL: Otherwise people would surely buy Cat D's write them off then get full price for the car and go out and buy the original.
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The best thing to do would be to take the car to a garage, or take a mechanic with you, and get them to make a full mechanical check on the vehicle. This way they can tell you if everything has been repaired up to standard, or if there is still damage to the chassis, or faulty airbags, etc.
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I bought a cat d car 5 years ago. The wife is still running it now. Never had anything other than a service four tyres and fuel. Been a smashing car :signLOL:
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I'd only buy one if I could see what it was like before it was repaired. So much BS in ads where it was "only a light repair wing/bonnet/scratch"..... balls it was.
Lots of dangerous shortcuts done in this market too, as they don't have to be inspected. Airbags never replaced, just coded out. Seatbelts having blown pre-tensioners and not been sorted.
You've really got to know what you're looking at and think of the bigger picture.
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I'll add my two pennies worth.
I've had quite a few CAT D vehicles over the years and generally bought direct from the insurance clearance auctions as damaged stock from people such as www.copart.co.uk
Like most have said above, as long as its been repaired properly I don't see the issue with them as long as photos were taken prior to repair. 9 times out of 10 the damage is totally superficial and there is nothing major to worry about. I bought a 2003 Range Rover Vogue TD6 a good few years ago classed as CAT D....it had been impounded by the police taken off a drug dealer....reason for CAT D....no keys and a lightly dented door skin. Cost me £300 to repair and was one of the best cars I had owned, it was immaculate and the door was repaired by a dent removal company.
Yes you will always struggle to sell them on if you don't have records of the damage and yes you will be hit with a much lower resale value BUT better the devil you know.
ON the flip side there are PLENTY of previously damaged cars on the road which aren't recorded and generally more of a death trap, for example my bro in law had a Peugeot 307 a few years ago, had a MAJOR shunt in it, airbags deployed, chassis leg damage etc but that was repaired by an 'insurance approved' bodyshop, drove like a pig when repaired :sick: and I wouldn't have trusted the car with my family in it YET it was never recorded as a CAT D (really should have been a CAT C) but had a clear title because it was repaired.
To be fair I wouldn't buy a CAT D at the moment unless it was really really cheap though purely because of the re-sale hassle but when my finances were tighter in years gone by it was the means to an end and the chance to own a better car at a cheaper price.
In a nut shell - Cat D fine with recorded repair, Cat C - would always steer well clear.