Cat D insurance cost?

Explosivo · 17 Aug 2018 at 13:56

Looking at a little citreon c1 for the misses, 2009 with 73k mileage for £1990
Looks pretty mint and had zero advisories on last mot.
But it's cat d.
Does this mean it's going to cost a fortune for insurance?
I've read that some places won't even insure a cat d.
Should I avoid this car?

Diddums · 17 Aug 2018 at 13:57

I take it you've got quotes for it? Do you have the reg?

Explosivo · 17 Aug 2018 at 14:01

RJ58 YHY

GravyMonster · 17 Aug 2018 at 14:30

Were you particularly attached to that one? There's lots of ~£2k C1s on AT which aren't CatD, eg this

Diddums · 17 Aug 2018 at 14:33

Explosivo said:
RJ58 YHY

Ja I wasn't implying that I find the quotes for you, I was gonna say maybe you should get quotes for that car and get quotes for one that hasn't been borked and compare the two. The difference might be a lot smaller than you think.

Explosivo · 17 Aug 2018 at 14:37

It seems to be the best one in my local area, just wondering about insurance costs

Diddums · 17 Aug 2018 at 14:44

I give up.

Semple · 17 Aug 2018 at 14:52

What Diddums is eluding to is to run a few quotes through an insurance company, to give a ballpark figure use something like moneysupermarket etc.

You'll need to fill in details such as her age/dob/address/occupation/where the car will be parked etc.

This will give you a list of companies with approx prices.

EDIT: It's no good us running a quote for you, as the prices could be miles apart, i.e. if your partner is a new driver.

Maccy · 17 Aug 2018 at 14:53

Run some quotes yourself using the reg, perhaps?

Scrutinize · 17 Aug 2018 at 15:48

It's ok @Diddums I've just run @Explosivo s details through a couple of comparison sites so he doesn't have too. Based on a Cat D Vs non Cat D assuming parked on the drive at his home address it was 27.6% higher.

tom_nieto · 17 Aug 2018 at 17:27

If Explosivo could give us his home address and credit card details we can get a much more accurate quote and even purchase it for him too!

Scania · 19 Aug 2018 at 04:51

If it’s something you really want and is rare (neither of which I’d apply to a Citroen C1) then maybe consider it but frankly C1’s are everywhere and there’s no reason to get one that’s a cat D when you’ll most likely find one that isn’t for more or less the same price.

It’ll cost you more to insure than a non cat D and will be worth less and less appealing to buyers when you come to sell it on.

And £1990 is more than I’d pay for one that wasn’t a cat D anyway.

Forget it.

IAmATeaf · 19 Aug 2018 at 06:02

Think I’d personally go for something Japanese, Micra, Yaris ... than a cat D C1

rebel rebel · 19 Aug 2018 at 06:20

If you want rid of your misses it's probably easier to sign her up for Strictly Come Dancing than it is forcing her to drive an unsafe car. Does she have any ballroom skills or is she a z list celebrity?

Janesy B · 20 Aug 2018 at 00:14

rebel rebel said:
If you want rid of your misses it's probably easier to sign her up for Strictly Come Dancing than it is forcing her to drive an unsafe car. Does she have any ballroom skills or is she a z list celebrity?

Cat D isn't unsafe poor repairs are.

rebel rebel · 20 Aug 2018 at 00:22

Janesy B said:
Cat D isn't unsafe poor repairs are.

Would the average person know if a Cat D car has been safely repaired? I find buying a car is enough of a minefield as it is.

Janesy B · 20 Aug 2018 at 08:42

Would an average person know a car had undeclared accident damage?

rebel rebel · 20 Aug 2018 at 09:07

Probably not, I could only look for slightly different coloured body panels, or gaps that dont look normal. But doesn't a cat D suggest that it's more than just a little knock?

Frozennova · 20 Aug 2018 at 09:29

rebel rebel said:
Probably not, I could only look for slightly different coloured body panels, or gaps that dont look normal. But doesn't a cat D suggest that it's more than just a little knock?

Depends on age and market value at the time of the damage.

Cat D is uneconomical to repair.

Brand new Range Rover then its likely to be £40k+ in repair costs, a £2,000 Citroen C1 it's not going to be much over £1k in damage to be Cat D which doesn't get you very far. I had a car reversed into 8 years ago, a new wing and paint was £600

Janesy B · 20 Aug 2018 at 09:42

Repair costs can be inflated by courtesy car costs etc so just easier to pay out rather than having the car repaired and giving the customer a car for the duration of the repair. Especially when it's something cheap like this, it won't take a lot of damage.