Cat N / Insurance...please help!! - Sarah Skelton
Hi, I’m looking to buy a 2nd car for my son to learn to drive in. I thought I’d found one but it’s Cat n, light damage nothing structural. I’ve already had an insurance quote and they didn’t ask me about this, is that because they’ll know too from the car reg number or don’t they care? Was actually going to go ahead with a different insurer via compare the market but now I’m panicking I should have said something and the insurance is going to go through the roof. Does anyone have any advice?
Thanks very much
Cat N / Insurance...please help!! - gordonbennet

one mans light damage is another's wouldn't touch it with a bargepole write off.

there are thousands of cars for sale, unless you happen to know this car and seller and know exactly what happened and who and how it's been repaired i'd advise looking elsewhere.

Cat N / Insurance...please help!! - RobJP

As said already by GB.

Unless you know exactly what the level of damge was, and how it was repaired - a full, photograped and documented list of what was done, and that it was done by a professional who actually knew what they were doing - then steer well clear.

Cat N / Insurance...please help!! - badbusdriver

Ditto, too risky. And while the car you are looking at may be cheaper, that will have a knock on effect once your son decides to change, so you aren't going to make any meaningful savings.

I like the fact that you can now filter out any insurance write offs on autotrader, but it irritates me that this is not the default setting. You have to select it on the menu, which i usually forget to do initially!

Cat N / Insurance...please help!! - Galaxy

I actually had to look up what a Cat N was! It appears they changed the Cat System recently which I was not aware of.

As others have said, unless you really know what you are buying, and I mean really know, then I would stay well clear of anything that's been placed in a category after being involved in an accident.

Also, bear in mind that any such vehicle will continue to bear that Category Marker for the remainder of it's life. It will always be worth significantly less than an identical uncategorised vehicle and, should the vehicle ever be subject to a total loss insurance claim, the insurance company will be well aware of the Categorisation which will result in a considerably lower pay-out.

My advice is to leave such a vehicle well alone.

Cat N / Insurance...please help!! - Andrew-T

one mans light damage is another's wouldn't touch it with a bargepole write off.

there are thousands of cars for sale, unless you happen to know this car and seller and know exactly what happened and who and how it's been repaired i'd advise looking elsewhere.

As is so often the case, it all depends. If a car is 10+ years old, it may automatically be an insurance write-off for almost trivial damage, but be fully roadworthy - if not aesthetically satisfying. If such a car can be obtained for peanuts it may still make some sense, as it is only a variety of bangernomics. But obviously the buyer needs to do some research.

I don't think insurers would be bothered if the MoT certificate is in order.

Edited by Andrew-T on 11/02/2018 at 23:20

Cat N / Insurance...please help!! - Sarah Skelton
Thanks so much for the quick responses. I’ve walked away...you’re all right!
Thanks again
Sarah
Cat N / Insurance...please help!! - gordonbennet

Well done Sarah, good luck searching out something for the lad.