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CAT N advice
#1
Hi All,

A friend's 19 year old son is looking to get a bike.  He's currently looking at a few CAT N 125s and he's coming to me for advice.  Now, for me, I would never buy a cat N, be it a car or bike, maybe unless I knew the owner and the circumstances of the write off.

What are peeps thoughts on here?
Money doesn't buy happiness, but it buys beer, and that helps!
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#2
Cat N is one that is not a structural write off - basically the cost of repair wasn't worth doing it. For example, if your Fazer fell over and cracked the fairing, it would be a Cat N as they cannot get a new fairing at a reasonable price.

Nothing to worry about with the bike as such when buying a CAT N but.......

- some insurance companies wont insure them and those that do may not be at the cheaper end of the market
- The price your friends son should pay is no more than 50-60% of a non-Cat N bike as the insurance companies will value it much lower than a non-cat-N bike
- When selling it on again, make sure you tell the buyer (at least dont lie) that it is a CAT-N and expect only 50-60% of the value of a non CAT-N

CAT-S on the other hand i would not consider as that is a structural issue that may not have been repaired properly.

To be fair, there are loads of bikes out there, especially at the bottom end of the market that have been crashed etc with no insurance claims being made. If they had, it would have been a CAT-N. Instead its not categorised but you are still buying damaged/repaired bikes that are exactly the same.
Another ex-Fazer rider that is a foccer again
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#3
(03-09-24, 12:18 PM)BBROWN1664 Wrote: To be fair, there are loads of bikes out there, especially at the bottom end of the market that have been crashed etc with no insurance claims being made. If they had, it would have been a CAT-N. Instead its not categorised but you are still buying damaged/repaired bikes that are exactly the same.

So if you are going to then you are better off buying a Cat N that has been properly checked and passed rather than a "single light" conversion as in a fazer or a "naked conversion"
I don't do rain or threat there of. dry rider only with no shame.
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#4
(03-09-24, 02:59 PM)fazersharp Wrote: So if you are going to then you are better off buying a Cat N that has been properly checked and passed rather than a "single light" conversion as in a fazer or a "naked conversion"

To get a CAT-N back on the road, i believe it only needs a new MOT so no real checks aver the alternatives but it would/should be cheaper to buy
Another ex-Fazer rider that is a foccer again
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#5
(03-09-24, 06:02 PM)BBROWN1664 Wrote:
(03-09-24, 02:59 PM)fazersharp Wrote: So if you are going to then you are better off buying a Cat N that has been properly checked and passed rather than a "single light" conversion as in a fazer or a "naked conversion"

To get a CAT-N back on the road, i believe it only needs a new MOT so no real checks aver the alternatives but it would/should be cheaper to buy

oh s not a full inspection from the insurer's then. And if when you come to insure the bike an insurer would charge you more then you may not be saving much in the end.
I dont get why an insurer would charge more for a cat n bike apart from them being thieving barstools. Unless they think the bike is going to crash because it has done so before with a different rider.
So the insurers will be getting more money from the original rider and also more money from the next rider Fish
I don't do rain or threat there of. dry rider only with no shame.
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#6
Cheers guys, I knew it was non structural, but in my head, the admittance it had been in a crash always worries me if the inspection missed something structural. But what you guys say all makes sense.

My friend's Son did push back for a cheaper price but the seller was after top dollar and didn't seem to care it was CAT N in his pricing so he's still looking around.

Cheers :-)
Money doesn't buy happiness, but it buys beer, and that helps!
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