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I am considering buying a vehicle that was a category D loss. How does this affect the price of the vehicle and does the category D loss stay with for the life of the vehicle or is there anyway it can be removed?

A category D loss in the UK is what is called repairable salvage. The vehicle is damaged to the extent that the retail cost of the repair does not exceed the retail pre-accident value (PAV). The insurance company has decided that though the car is repairable, it is not economical to do so due to their policies or guidelines.

A Category D vehicle can be bought at auction and repaired by those that are able. This is due to the fact that the automobile's damage was determined to be non-structural. Many times the car was written off by the insurance company due to it being stolen and recovered after the claim had been paid to the owner/policyholder.

A vehicle that is under the Category D loss does not need a VIC inspection to return to the roadway but a notification regarding the vehicle's status will remain on the its vehicle history check.

The extent to which to having a the car classified as a Category D will affect the value depends mainly on the type of damage that occurred to the car, the age of the vehicle and the quality of work done to the vehicle to make it roadworthy once again.

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From the information we could find, a rough estimate is that a Category D vehicle can loss 25 to 30 percent of its value due to the classification. The loss classification will also be listed on a vehicle check that you or anyone else does on the vehicle through HPI Limited, Auto Trader Vehicle Check or any of the other companies that offer vehicle history checks.

It does not appear that the loss classification can be taken off the vehicle, but you want to double check this information with DirectGov. This site was produced by the Central Office of Information and provides information from across UK Government departments to help the needs of citizens across the United Kingdom.

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Car Insurance Related What specifically is a Category B insurance loss? My friends were involved recently in an accident, not majorly and not their fault, but they have been told their car is Category B. Also, does this affect their insurance?
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Very helpful-thanks!
Comment added: 05:46 AM Jun-07
Exactly what I needed 2 know. Thanx!!!!!!
Comment added: 07:23 AM Jan-04
yes very easily explained
Comment added: 11:24 PM Sep-07
Thanks my question was answered - great.....
Comment added: 09:16 AM Jun-11
thanx, that's what i was looking for, brilliant!!!!!
Comment added: 10:04 AM Dec-14
Great answer solves all of the pending questions too.
Comment added: 09:32 AM Nov-02
A clear answer which eleviates any concerns I had regarding the structure of the car.
Comment added: 04:14 PM Jul-09
Very Clear and answered all my queries at the first hit on the website
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straight to the answer i needed.
Comment added: 07:17 PM Mar-01
thanks, that is just what I was looking for. well done!
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Question Details
This car insurance answer was last updated 10:18 AM Jan-25.
This Insurance Claims question was asked 09:17 AM September-14-2006.
Niki Y. requested this car insurance help from CarInsurance.com experts.
Rated 9.5 out of 10 based on 16 votes.
Insurance Claims Category
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