E320CDI Great Car Cat N payout offered for cosmetic damage

Stocho

Active Member
Joined
Jul 4, 2009
Messages
388
Hi All,

Have a car that I really love E320CDI, grey colour, cream leather (not black that I find a bit depressing) cooled seats, heated seats, memory seats, folding back seats, panoramic roof, full command.

Another driver scratched pretty much of the driver side when parking. The scratch is long but is not really too bad. Car passed MOTs with that damage with no mention. No question of the possibility of any structural damage.

Yet insurer (other party's who is at fault) is saying it is Cat N and offers £4,600 if I surrender the car and £3,400 if I do not.

£3,400 sounds like a lot for that damage - surely would pay for respray of the whole car. But then would I pay through the nose for insurance for the next five years (I was hoping to keep the car for) if it becomes Cat N?

If it did not have all those extras would have just surrendered it for £4,600 .... but given all the extras it has surrendering it for £4,600 does not appear attractive.

I was thinking about trying to argue against CatN by saying that I will accept £2k in lieu of repairs (so that it is less than 50% of the amount they valued it at to avoid CatN). But does anyone have any ideas by how much premiums increase if it is CatN? Perhaps I should just accept the £3,400 offered?

Or may be it is possible to buy a replacement for £4,600 with all the extras ?
 

Fady

Active Member
Joined
Sep 9, 2005
Messages
445
Car
S213 E63, BMW X4 M40i & Toyota MR2 MK3
Hi All,

Have a car that I really love E320CDI, grey colour, cream leather (not black that I find a bit depressing) cooled seats, heated seats, memory seats, folding back seats, panoramic roof, full command.

Another driver scratched pretty much of the driver side when parking. The scratch is long but is not really too bad. Car passed MOTs with that damage with no mention. No question of the possibility of any structural damage.

Yet insurer (other party's who is at fault) is saying it is Cat N and offers £4,600 if I surrender the car and £3,400 if I do not.

£3,400 sounds like a lot for that damage - surely would pay for respray of the whole car. But then would I pay through the nose for insurance for the next five years (I was hoping to keep the car for) if it becomes Cat N?

If it did not have all those extras would have just surrendered it for £4,600 .... but given all the extras it has surrendering it for £4,600 does not appear attractive.

I was thinking about trying to argue against CatN by saying that I will accept £2k in lieu of repairs (so that it is less than 50% of the amount they valued it at to avoid CatN). But does anyone have any ideas by how much premiums increase if it is CatN? Perhaps I should just accept the £3,400 offered?

Or may be it is possible to buy a replacement for £4,600 with all the extras ?
Recent discussion on the PH forum
 

clk320x

Hardcore MB Enthusiast
SUPPORTER
Joined
Sep 27, 2016
Messages
11,608
Location
UK
Car
W211, W212 & Tesla Model S
Assuming that it’s a W211 £4600 sounds like a great pay-out for a 320CDI
 

fabes

MB Enthusiast
Joined
Apr 12, 2007
Messages
2,000
Location
Southampton
Car
E 400 Coupe and X-Trail
Premiums won't rise for a Cat N, but the payout for a total loss will be less (circa 20%).

If you like the car, I'd keep it.
 
OP
OP
S

Stocho

Active Member
Joined
Jul 4, 2009
Messages
388
Assuming that it’s a W211 £4600 sounds like a great pay-out for a 320CDI
57 E320CDI W211 Unlike even some 56 facelift W211s it is definitely not a rust bucket as in one place has a scratch down to bear metal and not a speckle of rust in 5years+. ULEZ Exempt. Grey color, cream leather cooled seats, heated seats, memory seats, folding back seats, panoramic roof, full command, parktronics.

If it did not have all the extras and things I like as per above I might have agreed that £4600 is fair, though not necessarily great.

Having briefly looked on Autotrader I can not find a replacement with even half the extras at any price. Was planning to keep for another 5 years.
 

clk320x

Hardcore MB Enthusiast
SUPPORTER
Joined
Sep 27, 2016
Messages
11,608
Location
UK
Car
W211, W212 & Tesla Model S
57 E320CDI W211 Unlike even some 56 facelift W211s it is definitely not a rust bucket as in one place has a scratch down to bear metal and not a speckle of rust in 5years+. ULEZ Exempt. Grey color, cream leather cooled seats, heated seats, memory seats, folding back seats, panoramic roof, full command, parktronics.

If it did not have all the extras and things I like as per above I might have agreed that £4600 is fair, though not necessarily great.

Having briefly looked on Autotrader I can not find a replacement with even half the extras at any price. Was planning to keep for another 5 years.
In that case then I would take the £3600 offered as the pay out to CAT N it, the bodywork will be cheap to repair (assuming it’s just a respray)…If you keep it 5 years the value difference at sale time should be negligible - keep photos anyway to show the next buyer…
 
OP
OP
S

Stocho

Active Member
Joined
Jul 4, 2009
Messages
388
In that case then I would take the £3600 offered as the pay out to CAT N it, the bodywork will be cheap to repair (assuming it’s just a respray)…If you keep it 5 years the value difference at sale time should be negligible - keep photos anyway to show the next buyer…

I do not intend to sell it - intend to run it for as long as it is economical to run which I hope will be another 5 years.

So the only concern is how much extra insurance as some people say zero effect and no need to even disclose as comparison sites do not ask the question and there there are things such as this:


"You can insure write-off cars that are in categories N and S, if they’re properly repaired. When you compare car insurance through us, we won’t ask you the history of your vehicle. But when you get a quote, you should speak to your insurer and let them know that your vehicle was previously a write-off."

The insurer in question is not my insurer but the other paty's so I am not really claiming insurance but demanding payout for damage in negligence. So thinking of phoning to say that will accept the cash offered (or even less) as long as it is a payment in lieu of repair rather than cat N total loss pay off.
 

clk320x

Hardcore MB Enthusiast
SUPPORTER
Joined
Sep 27, 2016
Messages
11,608
Location
UK
Car
W211, W212 & Tesla Model S
I do not intend to sell it - intend to run it for as long as it is economical to run which I hope will be another 5 years.

So the only concern is how much extra insurance as some people say zero effect and no need to even disclose as comparison sites do not ask the question and there there are things such as this:


"You can insure write-off cars that are in categories N and S, if they’re properly repaired. When you compare car insurance through us, we won’t ask you the history of your vehicle. But when you get a quote, you should speak to your insurer and let them know that your vehicle was previously a write-off."

The insurer in question is not my insurer but the other paty's so I am not really claiming insurance but demanding payout for damage in negligence. So thinking of phoning to say that will accept the cash offered (or even less) as long as it is a payment in lieu of repair rather than cat N total loss pay off.
I don’t think insuring a Cat N car is an issue. There used to be a forum member on here who switched cars a lot and he said insurers never cared. What you could do is ring a few insurance companies as a new customer & ask the question??? (If they don’t agree to pay out as payment in lieu of repair)
 

m80

MB Enthusiast
Joined
Apr 26, 2015
Messages
3,976
Location
Derbyshire, High Peak
Car
Viano, 651 2014. W211 646 (for a short while)
Assuming you wont suffer renewal penalties, aside from some minimal loading even after a no fault claim, keep it.

The 211 takes a lot of beating.
We are going through a motoring revolution over the next few years ICE cars are being attacked. So paying for newer motors is some what questionable.
The less said about ULEZ exemption the better, too many would get jealous.
 

zipdip

MB Enthusiast
SUPPORTER
Joined
Mar 5, 2015
Messages
4,463
Location
Essex
Car
s320
Well if I was you I would keep the car take the money and get it repaired,getting future insurance will not be anymore expensive for a cat N some insurance companies ask is it a cat N some do not,the only difference is that if you have to declare it a Cat N then if you had another accident the pay out woud reflect that the car is worth lees than a non Cat N.
 

Londonscottish

MB Enthusiast
SUPPORTER
Joined
May 12, 2007
Messages
4,495
Location
London
Car
E500 & Fiat 500
57 E320CDI W211 Unlike even some 56 facelift W211s it is definitely not a rust bucket as in one place has a scratch down to bear metal and not a speckle of rust in 5years+. ULEZ Exempt. Grey color, cream leather cooled seats, heated seats, memory seats, folding back seats, panoramic roof, full command, parktronics.

If it did not have all the extras and things I like as per above I might have agreed that £4600 is fair, though not necessarily great.

Having briefly looked on Autotrader I can not find a replacement with even half the extras at any price. Was planning to keep for another 5 years.

I'd keep it. As you say, it's a great spec and an unusual one. Hard to find another just like that.
 

kam09

Active Member
Joined
Jul 1, 2013
Messages
823
Car
E350cdi coupe sport obs black
If you do decide to sell it, I'll be interested.. ;)
 

bigyank

Active Member
Joined
Jan 3, 2007
Messages
102
Location
South Sheffield / Derbyshire
Car
Hopefully another E320 sport W211 soon!
To put this in perspective, Admiral offered me a whopping £1200 for my e320 cdi sport after buy back @£280 and cat N (small engine fire fried all the electrics) Some service history but 200k on the clock. Apparently, that's the Glass' guide market value and they pay that, not replacement value.
£3400 sounds pretty good!
 

Tekman

Member
Joined
Mar 26, 2022
Messages
41
Location
South Yorkshire
Car
C 320 CDI
Hi My son buys them a lot asked him you only have to declare it if your asked by insurance cat N because of the car it would cost more to repaint it because they have a standard they go by it used to be beyond economical repair now just cat N. keep it accept the money and shop around you will find someone cheaper to fix it if you take pic`s then if you ever get asked they look at pics see its only paint and go yep no problem
 

E55BOF

MB Enthusiast
SUPPORTER
Joined
Mar 11, 2013
Messages
9,111
Location
South Bucks
Car
CLS 350 SB, SLK55, FJR1300,
Take the money, keep the car, have it repaired and spend the balance, don't worry about the insurance. Simples...
 

Users who are viewing this thread

Top Bottom