Date: 29-03-24  Time: 12:08 pm

Author Topic: cat d,c  (Read 3768 times)

sadlonelygit

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cat d,c
« on: 18 April 2013, 10:26:07 am »
why is there so much predjudice about buying a cat d/c bike.
some poor bloke is trying to sell a very nice fazer and he's getting 'that's far too much for a write off'
well the fact is lads (and laddies) a cat d isn't a write off, it's just been recorded on the insurance database as having a claim on it. how many of you have had a bump in a car and got it sorted yourself, or dropped your bike and put a new mirror/indicator on yourself. do you declare that to a potential purchaser?
Cat C on the other hand is 'beyond economical repair', but if you wreck the fairing (£200 + fasteners) tank (£820 + decals) rear surround (£400).........that's a write off.
project shoestring was purchased with a dented tank and dark grey fairing and a very shiney standard can.
a bike is worth what you're willing to pay for it, and someone, somewhere will be seduced by it's charms.

















and it's far too white for my liking ;)
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Tilts

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Re: cat d,c
« Reply #1 on: 18 April 2013, 10:52:20 am »
My thoughts exactly...
Don't bullshit me, and I wont bullshit you.

Dead Eye

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Re: cat d,c
« Reply #2 on: 18 April 2013, 11:22:05 am »
Agreed, as long as a bike is in good nick mechanically (I can live with fixing scrapes later) then I don't really have a problem with it being Cat C

Hell, mine has gone through a garage fire and I'm rebuilding it but the insurance companies don't know that... pretty sure that's a little more than replacing a mirror from an off ;)

red98

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Re: cat d,c
« Reply #3 on: 18 April 2013, 11:35:09 am »
if i was a buyer i would be using cat c/d as a haggling tool,nothing wrong with buying them,but the owner has been paid out by the insurers  ;) .......probs not the true value though  :rolleyes
One, is never going to be enough.....

Tilts

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Re: cat d,c
« Reply #4 on: 18 April 2013, 11:45:53 am »
only if your buying from the keeper who made the claim, mine happened two previous owners before hand.
Don't bullshit me, and I wont bullshit you.

stevierst

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Re: cat d,c
« Reply #5 on: 18 April 2013, 11:50:56 am »
My last 3 bikes have been cat d's and perfectly good bikes. Can't see the problem myself if its been rebuilt properly.

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Stop polishing it and ride the bloody thing!!

red98

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Re: cat d,c
« Reply #6 on: 18 April 2013, 11:51:42 am »
only if your buying from the keeper who made the claim, mine happened two previous owners before hand.

 
 
 
yeh,good point TILTS,did you know ?
One, is never going to be enough.....

Tilts

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Re: cat d,c
« Reply #7 on: 18 April 2013, 01:58:01 pm »
Yeah, the guy I bought it from told me, otherwise I wouldn't be able to tell, most bikes have suffered damage, its just down to whether the owner decides to make a claim.

Never go Full Retard.

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tomjimtom

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Re: cat d,c
« Reply #8 on: 18 April 2013, 03:27:32 pm »
I'd be cautious of paying the same price as a 'normal' bike, thinking of eventual resale value. Whether rightly or wrongly, a vehicle that's been written off is worth less.


Well done the seller for saying in the listing it's been written off, there's no legal reason to put it. You only have to state it if asked, don't have to volunteer the info!

Arfa

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Re: cat d,c
« Reply #9 on: 18 April 2013, 05:16:31 pm »
Just the other week, I had a low speed clip (~10mph), chap pulled out of stationary queue of traffic as I was coming to halt in other lane, just rubbed my knee on his car, swerve, brake, and I'm down.

Damage: cracked, scuffed faring with slightly bent brackets, crumpled/broke belly pan, scratched pegs and top box. Repair quote is £1600. Insurance say if repairs cost more than 60% of bike, they'll write it off as un-economical.

Whilst they sort liability etc, I'm happily riding round on the bike. It's fine, just looks a spot tatty. I could easily have done same damage dropping it myself, I would have just gone 'damn' and carried on. It's only because I want to claim for the damage off the other stupid twat, is the bike likely to be a write off. It's a real shame, and I'm still not sure how it's all going to pan out, but like anything dealings with insurance I'll probably finish worse off... :(


Lawrence

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Re: cat d,c
« Reply #10 on: 18 April 2013, 06:55:11 pm »
I bought mine knowing it'd been smashed (but not declared), but then it was my first bike and I wanted something that didn't really matter if I scraped it up a bit.
 
Turns out that it's also a cat C prior to being smashed up again by the previous owner.  Plus my accident means it's been written off three times in three years.  God knows what happened to it from 2001-2010  :eek :lol   That said it goes well, has done 22k in 11 months with only the front sprocket being an issue and has plenty more miles left in it.

cable tie

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Re: cat d,c
« Reply #11 on: 18 April 2013, 09:41:41 pm »
why is there so much predjudice about buying a cat d/c bike.
some poor bloke is trying to sell a very nice fazer and he's getting 'that's far too much for a write off'
well the fact is lads (and laddies) a cat d isn't a write off, it's just been recorded on the insurance database as having a claim on it. how many of you have had a bump in a car and got it sorted yourself, or dropped your bike and put a new mirror/indicator on yourself. do you declare that to a potential purchaser?
Cat C on the other hand is 'beyond economical repair', but if you wreck the fairing (£200 + fasteners) tank (£820 + decals) rear surround (£400).........that's a write off.
project shoestring was purchased with a dented tank and dark grey fairing and a very shiney standard can.
a bike is worth what you're willing to pay for it, and someone, somewhere will be seduced by it's charms.



Its not that he's getting grief, peeps looks at pretty things with rosé tinted specs without knowing the pitfalls from owning such vehicles so is it wrong to enlighten peeps to them pitfalls is it not ! and they are the insurance you need to disclose otherwise you ain't insured legally, so try telling your insurance I've got a cat D and done a fancy paint job and adding a can and different this and blinged that and wait for the LOL.

If there cheap as chips than take a punt on one, otherwise why bother getting your pants pulled down.


Cat F refers to a vehicle that has suffered fire damage. The other four 'Cats', A to D, all relate to vehicles that have had various levels of crash damage, and that are registered as such.

Cat A is the worst of the four, where a vehicle is so damaged that it cannot even be used for salvage and should be crushed.

Cats B and C mean that the vehicle has been heavily damaged and the insurance company has chosen not to go ahead with the repairs. Cat C cars are usually capable of being salvaged if the repairs are carried out correctly and need a vic check depending.

Cat D is the least serious category. It usually means that the vehicle has suffered light damage but the insurance company's decision to repair it is dependent on the cost of the repairs and the value of the vehicle.

Tilts

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Re: cat d,c
« Reply #12 on: 18 April 2013, 10:12:06 pm »
so try telling your insurance I've got a cat D and done a fancy paint job and adding a can and different this and blinged that and wait for the LOL.

So why doesnt the Insurance company ask if the vehicle has insurance history when giving details for a quote?
Don't bullshit me, and I wont bullshit you.

cable tie

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Re: cat d,c
« Reply #13 on: 18 April 2013, 10:45:35 pm »
so try telling your insurance I've got a cat D and done a fancy paint job and adding a can and different this and blinged that and wait for the LOL.

So why doesnt the Insurance company ask if the vehicle has insurance history when giving details for a quote?

Tilts, its not there responsibility to no as they dont check hpi database until you make a claim the only data base they check is dvla regarding the vehicle reg no for the bike details, its yours responsibility to tell them and it will clearly state this in there terms any undisclosed information will in the event of a claim void the policy and every time you go to insure another vehicle all insurance co ask have you ever had a policy cancelled or rejected so by not telling them what you no now can have massive effect on your future insurance if the truth comes out.

Also I think its a conning trick by insure co a get out of jail card to void policy as there are thousands of vehicles rolling around and the owners fail to tell insurance there cat vehicles because they never asked ! But trust me make a claim and when the past history comes out, if you was fully aware of its history they say sorry policy void and a lot of bikes I've seen cat d some insurance co will insist on engineers report as bikes substation more damage that go unseen easier than a car .


Tilts

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Re: cat d,c
« Reply #14 on: 18 April 2013, 11:28:16 pm »
Done a bit of research, Insurance WILL know if your vehicle has past history, CAT D has absolutely no impact what so ever on policy cost or if you make a claim, so please do not try and scaremonger people with in correct information.
Don't bullshit me, and I wont bullshit you.

ghostbiker

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Re: cat d,c
« Reply #15 on: 19 April 2013, 12:20:47 am »
My bike was cat c after a small off last year. Very light marks to fairing, peg,bars,mirror,can and top box.  The company I was with would not insure the bike once it had been cat c. I then called a few companies as comparison sites are useless with out the ability to ti k that.
First 2 refused me then I had 3 that would but 1 wanted a full report on the bike, the other 2 just wanted a new mot. All increased the price a lot. I used to pay 96 now its closer to 296.

Since then I have found other companies that seem not to care..... So they say. We will see at renewal.
Not all the increase is because its cat c, the larger chunk is because I had a claim against another driver.
100% no fault of mine and I still have 8 yrs no claims, clean license and IAM,s
1 thing is for sure, I would NOT take insurance without telling them the bikes history. I don't know personally if it would make a diff in a claim, but as it increases the policy cost I would not take the risk personally.

cable tie

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Re: cat d,c
« Reply #16 on: 19 April 2013, 12:35:19 am »
Done a bit of research, Insurance WILL know if your vehicle has past history, CAT D has absolutely no impact what so ever on policy cost or if you make a claim, so please do not try and scaremonger people with in correct information.

You are completely Wrong with the above statement so we will have to beg to differ  but I strongly advise if your bike is cat d ring and ask your own insurance co as they they may not even insure it when you tell em than you have it from the horses mouth as do i as wifey works for a national insurance co and ..

To those that do not offer the information that their vehicle is Cat D when they buy insurance, are you aware that insurance contracts are not "buyer beware", but "utmost good faith"? You must declare all facts that a reasonable/prudent underwriter would want to be able to consider when choosing whether to accept a risk, or the premium to charge.


« Last Edit: 19 April 2013, 12:40:39 am by cable tie »

imax

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Re: cat d,c
« Reply #17 on: 19 April 2013, 01:32:34 am »
are you aware that insurance contracts are not "buyer beware", but "utmost good faith"? You must declare all facts that a reasonable/prudent underwriter would want to be able to consider when choosing whether to accept a risk, or the premium to charge.


Not any more. The Consumer Insurance  (Disclosure and Representations) Act 2012 came into force on 6 April and changed the onus from 'utmost good faith' to 'reasonable care not to make a misrepresentation'. (2.2 & 2.5a) The standard of care required is that of a reasonable consumer. (3.3)

Exactly how these changes will affect the process of taking out insurance and your rights in the event of a challenge to a claim will no doubt be tested in time, but the changes are designed to protect consumers from claims being voided so easily by insurers.

pitternator

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Re: cat d,c
« Reply #18 on: 19 April 2013, 08:15:10 am »
interesting thread as I had a bike which was going to be written off after a light crash , but I agreed with the underwriter to accept some cosmetic damage to the frame so it was  subsequently repaired and not written off ! ...work that one out !
I sold the bike in 05 so dont know if it had any category listed against it by th einsurance companies....and I had nothing written on logbook, so dont know how a future buyer could know ...never had any come back from it either. The repair btw was in 2002.

Grahamm

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Re: cat d,c
« Reply #19 on: 19 April 2013, 10:23:21 am »
are you aware that insurance contracts are not "buyer beware", but "utmost good faith"? You must declare all facts that a reasonable/prudent underwriter would want to be able to consider when choosing whether to accept a risk, or the premium to charge.


Not any more. The Consumer Insurance  (Disclosure and Representations) Act 2012 came into force on 6 April and changed the onus from 'utmost good faith' to 'reasonable care not to make a misrepresentation'. (2.2 & 2.5a) The standard of care required is that of a reasonable consumer. (3.3)


That's very interesting, thanks.

It stops Insurance Companies from trying to weasel out of paying for a claim because "you should have told us about X" when they haven't even asked the customer for that information  :thumbup