[rowdy]

I haven't looked at the ad, but for peace of mind, if I was buying a cat whatever, I would ask the seller for a geometry check, to see if it was straight.
Of course, being a cat d cosmetic only it should be ok but you never know.

As for insurance, there are some you can take out, like gap insurance, but I don't know if they are relevant for cat d vehicles.
For instance, my parents bought a couple of month old focus for 11k.
They paid for the car outright, but took out insurance on it, which cost them 3 or 4 hundred quid, which means if it gets totalled anytime within 3 years they get 11k back for it, and not market value.