Should I Buy A Cat S Car JAGUAR F-Type Convertible (X152) (10.2012 - ...)

Considering a Cat S (formerly SORN) 2019 Jaguar F-Type involves some specific risks and benefits, especially around insurance, resale value, and hidden issues. Here’s a detailed breakdown:

Risks
- Insurance Costs:
Jaguar F-Types are generally expensive to insure due to their performance and repair costs. For a 2019 model, UK insurance groups range around 47-50 depending on the engine and trim, which places it in a high insurance bracket. Real owner quotes suggest annual premiums can be several thousand pounds, especially for younger drivers or those with limited no-claims bonus. Some owners report quotes around £2,500 per year, while others have found cheaper deals (~£649) by shopping around. Specialist insurers like Keith Michaels can help with performance car policies. Jaguar’s own insurance offers flexible plans with good coverage but may not be the cheapest.
- Resale Value:
A Cat S title means the car has been written off by insurers due to structural damage but repaired to roadworthy condition. This significantly reduces resale value compared to clean-title F-Types. Buyers are often wary of Cat S vehicles, limiting your pool of potential future buyers and lowering trade-in or resale prices.
- Potential Hidden Issues:
Cat S cars can have hidden structural or electronic issues if repairs were not done to a high standard. The F-Type’s complex electronics, performance parts, and aluminum chassis require expert repair. Check for:
* Quality of body repairs and alignment
* Functionality of safety systems (airbags, ADAS)
* Signs of water ingress or electrical faults
* Service history and whether Jaguar-approved parts were used
- Maintenance and Repair Costs:
Even without Cat S status, the F-Type is expensive to maintain due to specialist parts and labor. Repairs on a previously damaged car can be costlier if issues arise from substandard repairs.

Benefits
- Performance and Styling:
The 2019 F-Type remains a highly desirable sports car with strong performance, sharp handling, and iconic Jaguar styling. If the Cat S car is well restored, you get this at a significantly reduced price.
- Insurance Options:
While insurance is costly, you can reduce premiums by increasing voluntary excess, adding named drivers, and shopping around for specialist insurers. Jaguar Insurance offers comprehensive cover with extras like key cover and courtesy cars.
- Warranty and Coverage:
If the car is still under any manufacturer warranty or has extended coverage, this can mitigate some risks. However, warranties may be voided or limited on Cat S vehicles.

Recommendations Before Buying
- Have the car inspected by a Jaguar specialist or trusted bodyshop experienced with Cat S repairs.
- Obtain a full history report and ensure all repairs were done with genuine parts.
- Get multiple insurance quotes tailored to your profile.
- Consider the impact on resale value and whether you plan to keep the car long-term.
- Budget for potentially higher maintenance and repair costs.

In summary, a Cat S 2019 Jaguar F-Type can be a rewarding but risky purchase. You benefit from a lower purchase price on a desirable sports car but face higher insurance premiums, reduced resale value, and possible hidden repair issues. Careful inspection and insurance shopping are essential to avoid surprises.