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Insurance write off back onto the road?

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Klause
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PostPosted: 21:40 - 24 Mar 2009    Post subject: Insurance write off back onto the road? Reply with quote

I went to view a very good condition bike the other day. I know these bikes very well and know where they crack/bend/wear when front ended crashed etc. This bike was exactly how the ad described. It had only done 8k.
It does however have light scuff marks on the exhaust and a dent in the tank as the ad said when it was dropped down the road... as the ad described nothing new.

I HPI'd the bike and it came up cat b. It just says 'CAT B BODY CRUSHED' which i guess some knob head of an insurance worker as classed a dent in the tank as a Cat b write off!! Even the seller was shocked. It's been through an mot since this Cat b.

I rang VOSA and DVLA they both said it only needs an mot to go back onto the road even as a cat b??

Anyone else been through this?
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sickpup
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PostPosted: 21:45 - 24 Mar 2009    Post subject: Reply with quote

I had a bike years ago that had 3 police write-off notices on it. Was always fun when stopped.
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ms51ves3
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PostPosted: 22:03 - 24 Mar 2009    Post subject: Re: Insurance write off back onto the road? Reply with quote

Klause wrote:
I rang VOSA and DVLA they both said it only needs an mot to go back onto the road even as a cat b??


That's very strange. A Cat B is only supposed to be used for spares Thinking
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jack_zxr400
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PostPosted: 22:07 - 24 Mar 2009    Post subject: Reply with quote

i think cat B has to have an inspection before being used on the road again and if its cat C or less it doesnt?

probably wrong though Laughing
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ms51ves3
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PostPosted: 22:23 - 24 Mar 2009    Post subject: Reply with quote

jack_zxr400 wrote:
i think cat B has to have an inspection before being used on the road again and if its cat C or less it doesnt?

probably wrong though Laughing


Source wrote:
* Category A - Vehicle must be crushed. All of it.
* Category B - Bike may not be returned to road. Parts may be sold.
* Category C - Repairable. Possibly structural damage. Cost of damage (at main dealer prices and labour rates) is more than book value of bike.
* Category D - Repairable. Probably non-structural damage. May have been economic to repair, but insurer doesn't want to.
* Category F - Damaged by fire.
* Category X - Repairable. Minor Damage.
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Klause
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PostPosted: 22:30 - 24 Mar 2009    Post subject: Reply with quote

This is exactly what I thought that Cat B's couldn't be put back onto the road. It seems stupid for a dented tank it's been written off.

I rang VOSA and they said motorcycles don't apply for "Vehicle Identity Check (VIC)" after any Insurance write off and Cat B bike would only need a new mot which it's already had in the past.

I rang DVLA and they said the same!?!

Tomorrow im going to ring my local VOSA Vehicle Identity Check (VIC) place in Guildford and see what the score is with them.
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Kickstart
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PostPosted: 23:49 - 24 Mar 2009    Post subject: Reply with quote

Hi

Best I can make out the insurance write off category system is just an insurance industry thing that they try and make sound like a legal restriction.

All the best

Keith
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trevoriv
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PostPosted: 23:57 - 24 Mar 2009    Post subject: Reply with quote

Most CAT B's that I have seen couldnt be identified, never mind driven/ridden again.
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Klause
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PostPosted: 00:35 - 25 Mar 2009    Post subject: Reply with quote

trevoriv wrote:
Most CAT B's that I have seen couldnt be identified, never mind driven/ridden again.


Yeah I really did think a cat B would be obvious frame damage or broken in two. I deal with up to 4-5 frame damaged bikes a month. Im quite good at spotting the signs and this one really is fine.

Kickstart wrote:
Hi

Best I can make out the insurance write off category system is just an insurance industry thing that they try and make sound like a legal restriction.

All the best

Keith


Yeah, however lots of sources say "Vehicles categorised as A, B or C require a VIC test before the DVLA will issue a new registration document" but according to the people i spoke to it doesnt apply for motorcycles.

Just annoying that such nice bike has a write off label stuck to it for no need what so ever.

Will phone insurance and VOSA tomorrow.
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Kickstart
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PostPosted: 10:52 - 25 Mar 2009    Post subject: Reply with quote

Hi

Also possible that it is a ringer, and someone has tried to give it a new ID with the history of a cat b write off.

All the best

Keith
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SlimRick
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PostPosted: 12:07 - 25 Mar 2009    Post subject: Reply with quote

Kickstart wrote:
Hi

Also possible that it is a ringer, and someone has tried to give it a new ID with the history of a cat b write off.

All the best

Keith


My thoughts too when I first read the thread, easy enough to do!
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