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[Martin_1962]

Category C

I phoned them up and said the damamge was minor and I was getting repaired for less than the excess, had a letter this morning saying category C

1) WHat does this mean?

2) Can someone check the database?

[Gaffers]

I might be wrong but I think you can get a second opinion.......

[HolyCount]

Category A: Total burnout. No value left in the vehicle
Category B: Break only. Value lies in salvage
Category C: Damage to car is more than total value of car
Category D: Repair would cost almost as much as the vehicle is worth. Better to write off than repair. No comebacks for the insurers

[Martin_1962]

It only came off the road to be pulled straight and repanelled, and the repairs were only £25 more than my excess!

[JamesV6CDX]

I thought you weren't telling insurance?  :-/

[Markie]

repair costs only need to be circa 50% of car value to start it being considored ....

[Martin_1962]

I thought you weren't telling insurance?  :-/

I contacted them thinking I should - but then I cancelled

[Lizzie_Zoom]

I thought you weren't telling insurance?  :-/

I contacted them thinking I should - but then I cancelled

I'm sorry to say Martin but I think that may have been a mistake as you didn't have to unofficially (officially you do about any accident) and those sods can take advantage as they have!

[cem_devecioglu]

If the owner dont want to scrap the insurers have nothing to do ..

Here is like that.. :-/

[Danny]

yep, get a second opinion, cos a Cat C needs a VIC check before it can go back on the road

[Martin_1962]

yep, get a second opinion, cos a Cat C needs a VIC check before it can go back on the road

What do you mean back - it never came off!

I have driven it everyday since the bump and it was off road for 26 hours (overnight while it was repaired)

[Danny]

i know, they must class it as "off the road" then in a cat c situation

you'll need to grille your insurance company i think, find out how they come to the conclusion of cat C

i dont know how they can even categorise it since you havent actually claimed

[HolyCount]

Did they ever send an assessor around?  If not tell them it polished out and show them the car as it is now -- no real damage, therefore no cat C

[Danny]

another thought actually... how can they categorise it without paying out on it??

are you sure it wasnt just an opinionative letter??

[Martin_1962]

Did they ever send an assessor around?  If not tell them it polished out and show them the car as it is now -- no real damage, therefore no cat C

THey sent one round as he was in the area,