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Audi A6 Saloon - Cat D. Am I wise to buy? - sitchey

Hi

I am looking at buying an 2007 Audi a6 that I just found out is a cat d write off.

The dealer has said that the car was only damaged slightly on the back side. The dealer bought the car and repaired the panel for £2k and the car looks in good shape.

However what I am unsure off is why the initial insurance company decided to write off a 3 year old car when it could have been repaired and cheaply?? Is there anyway to find out what the exact damage was (just to be safe) and also why the insurance wrote the car off rather than repair it??

Also could I ask what the implications of buying a cat d might be for me? EG if I insure the vehicle for say £13k will the insurance company honour this or will they reduce the value of the car as it's cat d? My insurance company also said they needed an engineer report confirming the car is road worthy. I have heard conflicting reports that this is only needed for cat b & c and not d. Is this correct?

Audi A6 Saloon - Cat D. Am I wise to buy? - oldroverboy

Walk away! the only one who will benefit is the dealer and your insurance will charge you extra, + you will always have that niggling doubt. I have bought a couple a few years back and in the end got rid of both at a loss, and i had the use of our dealer facilities and paintshop.

Audi A6 Saloon - Cat D. Am I wise to buy? - Collos25

An insurance company is quite within its rights to ask for what it wants before it takes on a risk..

Insurance companies pay out on cars when the costs outway the benifits if they can get x thousand for a car as it is they save the cost of repairs and hire cars.They pay the customer out quickly and sell the car on a back street bodyshop repairs it and its back on the road as a cat c or d.The damage could be very slight or quite severe the only way of really finding out is if they took pictures something the insurance assessor will have done but is unlikely to release to you.

Any vehicle that has an insurance marker against it is always going to viewed with some suspicion if the car is cheap and you like it buy it but if you can afford a car without the marker than thats the best option.I believe its only dealers who have to tell of any damage private sellers don't may be wrong on that.You also have to bear in mind lots of cars sustain damage in their life time and the damage is never declared for various reasons so you pays your money and takes the chance.

Audi A6 Saloon - Cat D. Am I wise to buy? - sitchey

thanks for the replies guys!

I asked the dealer if there was any pics available before the repairs were carried out and funny enough they aren’t none!! I also am doubtful of the original insurance company releasing info or pics on why they wrote off the car.

The repairs carried out according to the dealer were minor and were on the back passenger wing panel costing £2k to repair. My suspicion is why would the insurance company write off a car that only needed £2k repairs (well I’m sure that if Audi were repairing it you would be looking at double that). HonestJohn thinks its prob cos the insurance company wanted to sort it out quickly and so remove the need and cost of an accident repair company, who would also charge and also there would be a hire car to pay for too.

I really like the car, it is under value (hence the cat d!!) and is fully loaded as it is the le mans spec. As I said above, I’m not worried about the car loosing value as I would be driving it for a long time (well hopefully). I’m more worried about having a damaged car that could be fatal in crash.

I asked the dealer to get an independent engineer report from RAC/AA to give the car a once over, cos I think only this will tell me what the damage was originally and if the car is safe.

My other concern is on my insurance. If I buy it and tell them it’s cat d and set the value of the car as say £12k. Is there a chance that if I’m involved in an accident were the car is really written off that the insurance company will say you insured it for £12k which we agreed to, but as it was a cat d we are only giving you £6/7k as the value of the car is nowhere near £12k??

Audi A6 Saloon - Cat D. Am I wise to buy? - madf

Some insurers refuse to insure Cat C and D/

Why? Cos they reckon the cars are not repaired properly.

The story you are being told does not make economic sense. I would run - not walk - away. There is something wrong...

Audi A6 Saloon - Cat D. Am I wise to buy? - sitchey

I know the sums of money doesn’t seem to make sense, however the seller does seem genuine and has even offered to pay for a RAC/AA engineer report on the car. I’m sure if they were trying to hide something they wouldn’t have offered as it is costing them more and so move onto the next mug.

But if the engineer report comes back and says yea this car is structurally fine and the minor cosmetic damage it had was repaired well, it will make the whole thing even more confusing

It might be a long shot, but what do you think the chances are of asking the seller to give me details of the original owner and then contact him/her to find out exactly what happened and what the damage was?

Audi A6 Saloon - Cat D. Am I wise to buy? - Cymrogwyllt
2K for a wing is way ott. There must be other damage. I reckon they did the cosmetic bits leaving out the structural bits that are hidden. Plenty of cars out there. When someone used my Vectra as a brake two doors, a front wing and repair to rear wing was £1300 odd.

Just how long is the salesman's nose? Pinnocchio? Run away.

btw a reputable place once tried to sell me a car. The price was good etc. The back of my mind told me to walk away. Nothing specific. I later learnt from the bod who had to clean it that the car had been for a swim in the sea.
Audi A6 Saloon - Cat D. Am I wise to buy? - Collos25

"however the seller does seem genuine "

All con men or women are always are plausable otherwise they would be out of business.

Audi A6 Saloon - Cat D. Am I wise to buy? - madf

The story has been well presnted and contains the answer:

"The dealer bought the car and repaired the panel for £2k and the car looks in good shape.

However what I am unsure off is why the initial insurance company decided to write off a 3 year old car when it could have been repaired and cheaply?"

Because the repair has been done cheaply.. and corners cut...

Audi A6 Saloon - Cat D. Am I wise to buy? - ForumNeedsModerating

No-one offers you a 'bargain' - there's always a reason for something appearing cheap.

If there's really no problem or question mark with written-off cars - why do they appear 'bargains' ? No dealer is in the charity game.

With the complexity & structural interactions in a modern car, I simply wouldn't trust a body shop/ repairer to have anywhere near the know-how & equipment to re-instate a car to factory specs. Older chassis based cars with 'bolt-on' wings etc, I'm sure could withstand bodywork damage without compromising function too much - so a quick new wing/paint job might suffice - but modern monocoque cars with crumple zones & integral structural construction (i.e. hit one part & they all 'hurt' or are affected) - like buying 2nd hand climbing rope in my view.

Audi A6 Saloon - Cat D. Am I wise to buy? - sitchey
ok guys update on the car.

The dealer has paid for a private assessor to review the car. Today the assessor came out and reviewed it I have a copy of his report which goes as follows…

He tested the car’s post-accident condition and remarked that its condition is "very good". He looked into the repair and found that the following parts were fitted;

- rear bumper
- n/s read bumper guide
- n/s rear splash guard
- n/s read quarter panel
- rear bonding kit
- rear quarter glass

All parts fitted were genuine new parts from Audi

He also said that the “bodyshell was rejigged on a car bench to the manufacturers original specification and specialist repairs were made to the read panel and n/s read inner quarter panel.”

He finally commented that the his “road test confirmed that the vehicle was driving in a fit and proper road worthy manner and would be in a condition to pass an MOT test if required”.
Audi A6 Saloon - Cat D. Am I wise to buy? - sitchey

so I guess the question is does the above repairs sound as if they cost £2k and also does the engineer report remove any fears of further damage??

I didnt mention it above, but the report was compiled by an independent car assessor who is a full member of the institute of the motor industry

Audi A6 Saloon - Cat D. Am I wise to buy? - the_bandit

In a word, no.

Value car at 50% of trade and not a penny more because it isn't worth it.

Audi A6 Saloon - Cat D. Am I wise to buy? - bathtub tom

>>bodyshell was rejigged on a car bench to the manufacturers original specification

So it was bent and been pulled back into shape. How does the assessor know that?

The seller paid for the assessment. That would ring alarm bells for me, a bit like 'the seller's done an HPI check'.

It seems like you're determined to buy it despite the advice you've asked for. Please keep us informed on how it is in the future.

Edited by bathtub tom on 22/02/2011 at 19:24

Audi A6 Saloon - Cat D. Am I wise to buy? - Collos25

Hook line and sinker.

Question.does it hurt if I jump of this cliff.

Answer.Yes

Reply.I will jump anyway you may be wrong.

Audi A6 Saloon - Cat D. Am I wise to buy? - volcane

My first decent car was written off 2 years ago, the damage was fairly extensive. It reappeared several weeks later for sale as an 'easy repair' light damage Cat D with no airbag damage. I know for sure that the airbags went as I was sitting in it.

I would not for one second trust any car that has been through any salvage recovery/repair firm.

Your money would be better spent on a proper car, unless it was going very very cheap with a good discount on that price!!

Audi A6 Saloon - Cat D. Am I wise to buy? - sitchey
Thanks for all the comments. I haven't decided what to do yet.

The car itself us a fully loaded 2007 170bhp le mans edition a6 with 64k miles. The dealer was looking £11.5k before this cat d came to light.

I would say that if you apply the general 20-30% cat d reduction it would value the car at £8-9k. In addition I will be trading in my own car on top, bringing the figure down by £3k.

Even though the seller paid for it I would trust the assesor to give a fair review of the car, after all it's their prof reputation at stake which includes membership to the I.M.I.M. They are saying it's fine and to be honest it looks it.

So the question is (and I prob don't want to hear the answer) is am I mad spending that kind of doe on this??
Audi A6 Saloon - Cat D. Am I wise to buy? - sitchey
Also out if interest what the hell is bodywork rejigging????
Audi A6 Saloon - Cat D. Am I wise to buy? - Lygonos

It means the bent parts of the shell are 'unbent' back to manufacturer specs.

Audi A6 Saloon - Cat D. Am I wise to buy? - whathaveidone!

I know your going to buy this car have it checked by

www.autoligninspections.co.uk/inspections.html

or an Audi dealer body shop and pay £300 -500 for it to be tested .

Would work out cheaper than a new set of tyres if the car is not straight /safe.

Howmuch did you buy the car for ?

Audi A6 Saloon - Cat D. Am I wise to buy? - sitchey
Thanks for the link.

I haven't bought the car yet but I was thinking that if I did I would like to get it checked out on my own. The fact that I am going to pay by cheque gives me that 3-5 day grace to do that. So uf I buy a check will def be done.

Its interesting to know that if you get the car tested by those guys (or someone similar) they remove it from the HPI write off register! I thought once a car is marked it is marked for life??!?
Audi A6 Saloon - Cat D. Am I wise to buy? - johncyprus

Over many years I tried to get more for less by buying cars that appeared undervalued sometimes I was sucessful but occaisionally I caught a cold. This car could be potentially be worth scrap value in a six months time if it's a botchjob, are you that reckless? Even in my wilder moments I would never consider an insurance writeoff, far to many pitfalls at best it's a gamble. Much richer now I am happy to pay a good price for a good car. Many knowledgeable people having given you sound advice on this thread, I too would suggest you forget this car and search anew.

Edited by johncyprus on 23/02/2011 at 08:45

Audi A6 Saloon - Cat D. Am I wise to buy? - whathaveidone!
Thanks for the link. I haven't bought the car yet but I was thinking that if I did I would like to get it checked out on my own. The fact that I am going to pay by cheque gives me that 3-5 day grace to do that. So uf I buy a check will def be done. Its interesting to know that if you get the car tested by those guys (or someone similar) they remove it from the HPI write off register! I thought once a car is marked it is marked for life??!?

Fone them and ask before you buy or you may regret it as all the posters above have said !! Have it checked before you part with your money you dont have any grace if the history of the car is known to you ( thats just my view ask a' legal advisor' for conformation ). I dont think Audi would make a contribution to any problems you may have with the car !




Audi A6 Saloon - Cat D. Am I wise to buy? - gfewster

How can this 'independent car assessor' possibly know whether the car has been on a jig?

The only way they can investigate the repair is to (a) look for evidence on badly-repaired or unrepaired damage, or (b) ask those who did the repair about what went on - which means nothing because they'll lie.

Audi A6 Saloon - Cat D. Am I wise to buy? - madf

If the car has been repaired on a jig, there will be marks where the jig was clamped to the body prior to being stretched straight.

A properly done repair would ensure those clamp marks were cleaned up and filled so not to be evident to a visual inspection...

Say no more..

And of course once a body has bent and been straightened, its crash rigidity by definition is reduced..

Say no more.Again..

Audi A6 Saloon - Cat D. Am I wise to buy? - tintin2

You seem to think you can get the car for about £8/9k plus your part-ex. This is still a huge amount of money on a car that seems a bit of a punt, to me anyway.

When you see a car you really want it's easy to get carried away and logic goes out of the window. If you pay £8k, it will be worth £4k in 3 years time I would guess - but because it is an insurance write off that has been rejigged it may be worth a lot less and you may actually find that you can't give it away. A lot of people just will not touch a rejigged car - there will always be a question mark about it's structural integrity for most of us.

I would give this one a miss. There are thousands of cars out there, all depreciating nicely, and you will find yourself another bargain soon.