What is a Cat D Car? What Does it Mean for Buyers
Introduction
Certainly, when looking through the used car market it's not unusual to come across cars emblazoned with a "Cat D" label. Yet what does this category really signify and where do would-be purchasers stand once they're dealing with such an automobile? This article details exactly what a Cat D car is, how it affects ownership and what to look out for when buying one.
What Is a Cat D Car?
A Cat D car is one that has been involved in an event that causes damage, but not severe enough to leave the structural integrity of a vehicle compromised. Cat D vehicles, unlike Category A or B, can be repaired and returned to the road. Top Reason for Consideration: The total cost of repairs is almost at or slightly greater than the pre-accident value of a car. In other words, the insurer had determined that it simply wasn't worth fixing.
How Does a Car Become Cat D?
Traditionally cars that make it on to the Cat D registers have sustained non-structural damage in accidents, such as broken bumpers, headlights or panels. Labour and parts can soon mount up in repair costs. If those costs are close to or exceed the car's worth, it could be declared a Cat D.
What Does It Mean for Buyers?
Advantages and Disadvantages of Purchasing a Cat D Car Here's what to consider:
Advantages:
- Cheaper Buying Price: Generally, Cat D cars will be far cheaper than non-categorised equivalents so long as the buyer is not hell-bent on having 'the perfect car without accident damage'. These damages are typically repairable, as the cat d cars do not involve structural damage.
Disadvantages:
- Higher insurance premiums: because of the accident history, insurers are likely to charge higher premium or refuse to cover Cat D cars
- Resale Value: Selling a Cat D car is difficult later on, These need to be classified in a way that usually means they are worth less as used cars and then appeal only to specific customers.
- Status: Ensure all of the work has been professionally done. Before purchasing, a complete inspection by an experienced mechanic is recommended.
Buying a Cat D car: What to consider?
- Professional Inspection: Always demand a professional inspection after repairs have been made to ensure proper completion. Check for poor workmanship, like inconsistencies in paint or misaligned parts.
- Inspect the History: Get a deeply detailed vehicle history report for an idea of how much damage and repairs were done, as well.
- Insurance: Always get a quote before you buy, as Cat D cars can have variable premiums
- Resale Prospects: consider the Cat D status of your car as it may have a bearing on its future resale value and marketability.
Conclusion
It is true that a Cat D car can be great for someone searching for an affordable vehicle. Quite the contrary, but buyers should be cautious. It is important to review the car's history, check out repairs and consider future resale value. If they are doing their homework, buyers could have paid for a smart purchase on something that proves to be dependable.
FAQs
1. Can a Cat D car be insured?
Yes, but rates can be higher. A Cat D car may in some cases be a non-starter for anybody buying based on insurance — so you should really check with your insurers before taking the plunge.
2. Is a Cat D car safe to drive?
If the repairs were performed properly and the car is able to pass all safety checks, it can be driven. Still, a good first look.
3. Will a Cat D car pass an MOT?
A Category D vehicle is still legal for the road and must have a valid MOT. Eric further explained that any category would have to be subject to the MOT test, which determines whether a car is safe and fuel-efficient for use on the road in general.
4. Can I sell my Cat D car through Carfero?
Absolutely! At Carfero we simply allow Cat D cars to be displayed on our platform. But we are not responsible for this consequently want to have honest history about the car. This honesty will go a long way to redevelop trust with potential buyers and further the sales process. If you have a Cat D vehicle that you want to sell, then why not list your car on our network and accessible by thousands upon 100's of interested buyers.
