Insurance for a cat N A2

NCB

Member
Been looking at an A2 tdi thats for sale, i fancy a project and an A2 seems to be ideal for me. The car ihave seen has ahad a light bump and is cat n so a non structural damage. I am happy to do the repair as I am familiar with this sort of work.
The only thing I am not sure about is the likely cost of insurance due to the Cat N issue.
I was thinking about a limited mileage policy along with the £30 a year tax would have been a cost effective project. Has anyone any experience of insuring a cat N vehicle and the possible cost implications?
 

Ami

A2OC Donor
I have repaired & sold many CAT D & now CAT N A2's, it wont make any difference to insurance cost, I have never declared when insuring & if you ever have an accident and the car is written off by the insurance company, they would offer you 30% less than the value due to previuos category.
An A2 CAT N front damage is a very easy fix even if you changed the front panel. so if its low milage go for it.
They never ask you if the car has had a claim on it anyway, what they don't ask you don't need to give, Infact one of my 5 A2's is a CAT N probably my best one.
Cheers,
Ami
 

NCB

Member
Hi Ami

I looked at a couple of online insurance quotes and they asked if the car had ever been written off. As it’s cat N I would say the honest answer is yes.
I would agree if they don’t ask don’t say. But they did ask. And saying no is very obviously not true and very easily found out.


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Skipton01

Admin Team
Let's be honest about this, the state machinery is increasingly going to make keeping our dino-juice-burning aluminium friends on the road as difficult as possible.
If they can't price us off when fuel gets to £2 per litre, which is on the cards within a couple of years, then they'll make it uneconomical in other ways, be it pay per mile tolls, ultra low emission zone charges, maintenance hurdles or insurance wise. They'll do us all eventually.

Whether you declare previous category status or not is up to you. I'd advise being open and honest to avoid possible comebacks later.
 

audifan

A2OC Donor
Unfortunately by law you must inform the insurance company if it was written off ( strange because THEY keep the register of written off vehicles ) same with any modifications to the car when you apply for insurance. Lets face it you do not want to give them a reason not to cover you when needed.
 
D

Deleted member 16918

Guest
My car has been written off in 2010 and 2018. I have no problems with insurance with NFU. I think the write off statistics are centrally held, I was never asked about it.
I pay just over £200 a year for an ordinary comprehensive policy.
I am looking for a project if you do not want it and the car is cheap.
 
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Ami

A2OC Donor
My car has been written off in 2010 and 2018. I have no problems with insurance with NFU. I think the write off statistics are centrally held, I was never asked about it.
I pay just over £200 a year for an ordinary comprehensive policy.
I am looking for a project if you do not want it and the car is cheap.
How far away are you from Horsham :
 

Ritchtea

Member
Mine was a cat d in 07 I bought it in 2013 never been asked by insurance or Declared it as a cat d. Always found insurance good value.
Go for it. As these age cat status will become increasingly irrelevant, survival of the fittest.
 
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