brachunky
Scotland
Posts: 1,314
Club RR Member Number: 72
|
|
|
Apologies if posted before but here are the changes recently made to the insurance "category" classifications. Yet another probably worthless rewrite of vehicle regs. Just a cheeky grab from a reputable source!
Insurance write-off (total loss) categories:
Category A write-off- These vehicles are usually burnt-out and they must be totally crushed including all spare parts Category B write-off - These vehicles cannot return to road and the shell must be crushed, but their spare parts may be salvaged and sold for spares Category S write-off - Repairable, but cost of repair is more than value of car. Possibly has some sort of structural damage (previously category C) Category N write-off - Again repairable, but it would cost more than the car's value to fix. Probably doesn't have any structural damage (previously category D)
Insurance categories for other damage:
Category F car - These vehicles have minor fire damage and the insurers have decided not to repair them Category X car - These vehicles are repairable and have minor damage
|
|
|
|
piguin
Part of things
Posts: 136
|
|
|
I almost pressed 'like' for you sharing the information, but decided to do it the old fashioned way - especially since I wasn't really thrilled with the changes.
Good to see that fire damaged vehicles now have their own marker, so that the buyer will know what to look for. Renaming categories C & D seems like one of those 'Ode to the Gods of Bureaucracy' that will simply make matters a bit more confusing for new buyers.
The one that I am most intrigued by though, is category X. Will that marker be applied to every car that gets a simple scrape at some point of its life, so as to look inferior in the buyers eyes?
P.S. Thanks for finding this
|
|
|
|
|
|
|
This is some very useful info, I'll sticky this
|
|
|
|
|
|
|
Cat A can also be given to cars involved in a fatality even if no damage.
|
|
|
|
|
|
Oct 10, 2017 18:31:05 GMT
|
Please note the initial info is not 100% correct - So just to add a little to this
A- As stated above, no salvagable parts (usually burnouts but can be heaviliy damaged vehicles)To be crushed whole (after de-poluting)
B-As above, the vehicle has salvagable parts - shell is to be crushed (after de-poluting)
To be clear on S and N, costs have no bearing on the code (links to previous C & D are also incorrect, so to clarify
N - Non structural damage, can be anything but basically minor damage (think of it as not requiring jigging) There is more to it then that but that is in simple terms.
S - Structural, again as above - but think of it as needing jigging or re-alignment or some major structural part requires replacment. (again more to it but thats in simple terms)
It's basically to try and re-look at the issue where you would have a £40k value vehicle with £35k repair costs being a CAT D which many felt (incorrectly) that this was lightly damaged. Then you would have an older vehicle say £2k with £2 1/2K damage that was a CAT C. I know which i'd prefer. Just the perception thats put there.
The mention of F & X is not part of the code and some insurance companies may use that for internal procesess. However when doing a check you will not see any mention of F or X. As an example of X, if a vehicle is stolen and paid out and then later recovered with little or no damage then it falls out of the code so some insurance companies apply an X just they can process the salvage.
No disrespect to the original poster but the definition of S&N is not correct...
Again CAT A for fatalities is not in the code, that is at the insurers discretion but is not a requirment of the code.
|
|
|
|
|
|
|
You will find major salvage dealers such has Copart using the following in their description listings of damaged vehicles whilst also utilising the remaining categories has detailed above
X - Stolen Recovered Minimal Damage
U - Used Unrecorded
|
|
|
|
oldisbetter
Part of things
If it has a ECU it's complicated :)
Posts: 478
|
|
Apr 16, 2019 17:28:37 GMT
|
If you have a Category S write-off that you have purchased back from your own insurance what is required to make it road legal again? Do you have to contact the DVLA and inform them i am asking as a mate has a car that he wants to put back on the road and it seems to have very little damage, I could see no chassis damage just the rear apron and alloy bumper behind it.
|
|
|
|
|
|
Jan 15, 2020 17:01:58 GMT
|
Edit: made a new post instead...
|
|
Last Edit: Jan 15, 2020 17:34:23 GMT by sausage
|
|
|
|
Dec 21, 2021 15:02:14 GMT
|
I'm looking for a new car for my wife and seen some potential cat N bargains. What are the real world issues with buying one? Will it bump up my insurance premium? I'm not too bothered about resale value as we'll probably keep it a long time (we've have the current Touran nearly 12 years..)
|
|
67 VW Split bus 69 Beetle Cab 96 Jeep Cherokee XJ Sport
|
|
|
|
Dec 21, 2021 16:50:30 GMT
|
I'd call your broker/insurance co and ask the question.
|
|
|
|
foxy99
Posted a lot
Posts: 1,370
|
|
|
I'd call your broker/insurance co and ask the question. booooo rubbish response But seriously... my brother had a nice older Mazda 6 that was valuable to him. He went to an in-law's funeral and some old bint drove into the back of him near the church seemed to me there was some light damage to the rear end (tailgate and bumper ?) but a week or two later the car was assessed and written-off Not the end of the world (so to speak) but what if t was a classic car you'd spent 5 years restoring? Written off forever due to a bit damage on the boot
|
|
1974 Daimler Double-Six VDP 1965/67 Hillman Imp pick-up 1984 VW Polo breadvan 1970s Yamaha Twins (4) 1976 Honda SS50ZK1
|
|