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Dangers of Cat D insurance write off
- Thread starter JonnyB
- Start date
JonnyB said:I was hoping you could provide some advice/ help concerning Cat D insurance write offs for Z4's.
Run a mile. Find a better quality Zed, just takes time.
JonnyB said:although the winter months could be a bit interesting (i've never owned a rear wheel drive car before!) how do Z4's cope with the snow?
Thanks in advance!
Mine didn't, I drove <15mph on the motorway, couldn't brake and kept loosing traction and sliding. In my opinion it was very dangerous.
k.leeming said:JonnyB said:I was hoping you could provide some advice/ help concerning Cat D insurance write offs for Z4's.
Run a mile. Find a better quality Zed, just takes time.
JonnyB said:although the winter months could be a bit interesting (i've never owned a rear wheel drive car before!) how do Z4's cope with the snow?
Thanks in advance!
Mine didn't, I drove <15mph on the motorway, couldn't brake and kept loosing traction and sliding. In my opinion it was very dangerous.
Not all CAT Ds are worth running a mile! i purchased mine without knowing it was a CAT D and have had no issue that any other Z would have had! if the car has only had some panel damage and has been repaired to a good standard then you can grab a great deal on a great car!
Sorry buddy yes it does. The payment they offer you for total loss is considerably less. Also some companies refuse to cover them. I was looking into covering a cat d exige and was refused by aviva plus two others.Sim_Simma said:A car being a write off doesn't affect insurance at allStug said:At least a 1/3rd below retail. You are unlikely to ever find out the full extent of the damage, we've all seen the ' just needed a new wing' sellers storys. Check with your insurance about if they will insure it and about what they will pay out if you write it off again. They are also a nightmare to sell on in the future. Other than that go for it lol.
Stug said:Sorry buddy yes it does. The payment they offer you for total loss is considerably less. Also some companies refuse to cover them. I was looking into covering a cat d exige and was refused by aviva plus two others.Sim_Simma said:A car being a write off doesn't affect insurance at allStug said:At least a 1/3rd below retail. You are unlikely to ever find out the full extent of the damage, we've all seen the ' just needed a new wing' sellers storys. Check with your insurance about if they will insure it and about what they will pay out if you write it off again. They are also a nightmare to sell on in the future. Other than that go for it lol.
Thats funny because I insured 3 write offs and had no problems. If the car is considerably cheaper to the point where you can afford a car that you otherwise couldn't and you know what you're looking for/can fix it yourself then it can work out very well. Like it has for me for the 4th time.
My Astra is likely to become a Cat D once I receive a quote for repair works.
A minor knock on the passgenger side, only a smallish dent, but will need 2 new doors, plus some other work etc. Minor damage really, doors still open and lock perfectly and are watertight. Tracks true etc. Would probably be a great car if you bought it for 70% market value once fully repaired etc.
A minor knock on the passgenger side, only a smallish dent, but will need 2 new doors, plus some other work etc. Minor damage really, doors still open and lock perfectly and are watertight. Tracks true etc. Would probably be a great car if you bought it for 70% market value once fully repaired etc.
I would stay away from Cat Ds, but no experience so can't state.
Z4 in the snow however ... pretty funny! My E46 (diesel) was bad enough, but the Z4 is almost completely uncontrollable for much more than a brief slip'n'slide onto a gritted road. You certainly wouldn't want to go too far in it.
Z4 in the snow however ... pretty funny! My E46 (diesel) was bad enough, but the Z4 is almost completely uncontrollable for much more than a brief slip'n'slide onto a gritted road. You certainly wouldn't want to go too far in it.
When you're spending thousands of pounds on a premium car.. why take the risk?
While in general I'm against Cat D's because the unwary get bitten, there are many bad examples around and sale time is always more challenging, there are for the right car and certain ownership circumstances good reason to consider.
If you buy the right car at the correct price and plan on keeping it a very long time then then it allows entry to a car market at a much lower price point. If you keep it a very long time depreciation works well in your favour and the total cost of ownership will be much less. Through out all this the only person who would know is likely to be the owner.
Caveat emptor springs to mind though
If you buy the right car at the correct price and plan on keeping it a very long time then then it allows entry to a car market at a much lower price point. If you keep it a very long time depreciation works well in your favour and the total cost of ownership will be much less. Through out all this the only person who would know is likely to be the owner.
Caveat emptor springs to mind though
My E46 is useless in the snow as it just becomes one wheel drive. The Zed is better as the LSD helps gain a little traction but it's still hairy on normal tyres...SynapticFire said:I would stay away from Cat Ds, but no experience so can't state.
Z4 in the snow however ... pretty funny! My E46 (diesel) was bad enough, but the Z4 is almost completely uncontrollable for much more than a brief slip'n'slide onto a gritted road. You certainly wouldn't want to go too far in it.
bluestreak56 said:When you're spending thousands of pounds on a premium car.. why take the risk?
In my case, to save thousands of pounds :rofl:
I know everyone's budget is different and price us relative, but in the grand scheme if things Zeds are cheap cars now really. Buying a cat D just doesn't seem worth the risk to me just to save a few grand off an already fairly low value car.
As i understand it a crash stresses the chassis a lot. Even if repaired, in the event of a second accident the car may be far more susceptible to crumpling in the wrong places. Particularly a convertible, which has less structural rigidity in the first place.
As i understand it a crash stresses the chassis a lot. Even if repaired, in the event of a second accident the car may be far more susceptible to crumpling in the wrong places. Particularly a convertible, which has less structural rigidity in the first place.
James Junior said:I know everyone's budget is different and price us relative, but in the grand scheme if things Zeds are cheap cars now really. Buying a cat D just doesn't seem worth the risk to me just to save a few grand off an already fairly low value car.
As i understand it a crash stresses the chassis a lot. Even if repaired, in the event of a second accident the car may be far more susceptible to crumpling in the wrong places. Particularly a convertible, which has less structural rigidity in the first place.
A lot of these cars now will. Be written off for just panel damage, sims is an example of that. Just requiring a lower suspension arm and front disks, but iirc he is in the trade as well so access to cheaper parts made it worth while.
Don't get me wrong I would not buy one unless it has not been repaired and I can see the damage or it has a full documented photographic history of damage and repairs.
cj10jeeper said:While in general I'm against Cat D's because the unwary get bitten, there are many bad examples around and sale time is always more challenging, there are for the right car and certain ownership circumstances good reason to consider.
If you buy the right car at the correct price and plan on keeping it a very long time then then it allows entry to a car market at a much lower price point. If you keep it a very long time depreciation works well in your favour and the total cost of ownership will be much less. Through out all this the only person who would know is likely to be the owner.
Caveat emptor springs to mind though
+1
srhutch said:James Junior said:I know everyone's budget is different and price us relative, but in the grand scheme if things Zeds are cheap cars now really. Buying a cat D just doesn't seem worth the risk to me just to save a few grand off an already fairly low value car.
As i understand it a crash stresses the chassis a lot. Even if repaired, in the event of a second accident the car may be far more susceptible to crumpling in the wrong places. Particularly a convertible, which has less structural rigidity in the first place.
A lot of these cars now will. Be written off for just panel damage, sims is an example of that. Just requiring a lower suspension arm and front disks, but iirc he is in the trade as well so access to cheaper parts made it worth while.
Don't get me wrong I would not buy one unless it has not been repaired and I can see the damage or it has a full documented photographic history of damage and repairs.
Yeah you're right it's much more viable for me. But people are a bit paranoid when it comes to structural damage, from my experience though a bad write off usually has bad repairs where they've tried to fill and straighten damage when the should have bought a new panel, that and shite paintwork. Other than that I've not seen anything with anything particularly sinister underneath. And tbh I've seen just as many cars with those sort of gremlins that are hpi clear!
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