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Category C? How will it effect me?!?! - Need help ASAP

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Andy J This post is not being displayed because the poster is banned. Unhide this post / all posts.

Fisty
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PostPosted: 09:23 - 14 Apr 2011    Post subject: Reply with quote

If you buy it and it ends up being stolen/crashes/burned your insurers wont pay out the market value of a none written off one. Otherwise its good to go.

£2100 is alot tho for a 125 with a cat c history.
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MarJay
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PostPosted: 09:28 - 14 Apr 2011    Post subject: Re: Category C? How will it effect me?!?! - Need help ASAP Reply with quote

Andy J wrote:
Hi guys...

I'm interested in picking up a yamaha r125 I found for 2.1k... It's immaculate condition, part service history and 6k miles.

Speaking to the guy on the phone he said the only thing was it was a Category C. The story is the bike was stolen, recovered and found with a sligh crack in the fairing where it was lying down. The bike was literally picked up and put in a van.

Apparently this won't effect my insurance preimum or anything like that, but when I come to sell it is this gonna come back to bite me in the arse?

I mean it will be in the v5 document won't it, but am I legally bound to tell them the story about or can I just sell it, because by the looks of things it hasn't effected the bike really in anyway. (I'm not trying to sell this bike for a profit or anything, just thinking of the future)

Cheers Thumbs Up


I don't think it appears on the V5 but if the buyer does a HPi check on the bike it will return as a Category C write off. Cat C is surprising, I'd have thought if it was just a crack in the fairing it would be Cat D...?
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Rogerborg
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PostPosted: 09:30 - 14 Apr 2011    Post subject: Reply with quote

Uh... why not spend £500 or so on getting a license, then buy a 250+ bike that'll go better, cost less and be cheaper to insure?
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.Bishbash.
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PostPosted: 09:55 - 14 Apr 2011    Post subject: Reply with quote

As Marjay said it won't make a difference at all and only show up on the HPI check. The Mrs just bought a cat C for the H.I.S.S steering lock damage, it was replaced and good to go.

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Kris
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PostPosted: 10:01 - 14 Apr 2011    Post subject: Reply with quote

It may make it harder to sell on in future but personally I don't see Cat Cs and Ds a problem. Worth looking over it properly before you buy it though. Karma
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Chalky.
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PostPosted: 10:01 - 14 Apr 2011    Post subject: Re: Category C? How will it effect me?!?! - Need help ASAP Reply with quote

MarJay wrote:
[Cat C is surprising, I'd have thought if it was just a crack in the fairing it would be Cat D...?


This.

Cat C mean significant damage on a bike worth as much as it is.

Older vehicles get written off easily due to how little they're worth.


One of the oldest tricks in the book - rear shunt, just needed a bumper, pushed over and given a cat d for the paint job etc. Don't believe what people tell you.
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DrDonnyBrago
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PostPosted: 10:14 - 14 Apr 2011    Post subject: Reply with quote

Would be surprised if a fairing panel cost it a Cat C...

Edit: I'm fairly certain my V5 says cat c on it too...

My car is double cat c because it was bumped whilst being worth less than the fuel in the tank, a £2500 desirable 125 would surely need more than a few fairing panels to sort before being considered a write off?

That said, spending that money on a slow 4t 125 is insane.


Last edited by DrDonnyBrago on 10:17 - 14 Apr 2011; edited 2 times in total
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69.9mph
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PostPosted: 10:15 - 14 Apr 2011    Post subject: Reply with quote

I wouldn't buy a Cat. C or above unless I personally knew the history of the vehicle. I might consider a Cat. D if it was cheap though.

A Cat. C usually has had some considerable damage, ask to see the receipts for the repair - I'll bet it's more than just the fairing.
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Andy J This post is not being displayed because the poster is banned. Unhide this post / all posts.

Chalky.
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PostPosted: 10:26 - 14 Apr 2011    Post subject: Reply with quote

It would be stolen recovered, not cat C. He's chatting shiz.

Cat C cars will be on the log book - it says they have had their VIC check. Bikes don't need it, so not sure if it would be.
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MarkJ
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PostPosted: 10:33 - 14 Apr 2011    Post subject: Reply with quote

Yep, cat C should go on the V5, it's only cat D that doesn't.
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Chalky.
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PostPosted: 10:51 - 14 Apr 2011    Post subject: Reply with quote

Andy J wrote:
Chalky. wrote:
It would be stolen recovered, not cat C. He's chatting shiz.

Cat C cars will be on the log book - it says they have had their VIC check. Bikes don't need it, so not sure if it would be.


The bikes mint condition though that's what I don't understand. Why would anyone pay more money than what it's worth to get it fixed.


The quote to mend from the insurance company would be for brand new parts professionally done, often by the dealer.

The insurers sell the bike cheaply once the payout has been made, than they can be mended using second hand parts and people doing the work themselves. Can be a cheap way to own a vehicle.



You say the bike was claimed on insurance before it was found.... why would it be a cat c then Wink
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0ddball
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PostPosted: 10:51 - 14 Apr 2011    Post subject: Reply with quote

Had a few cat C bikes and none have said it on the V5 or been mentioned when i insured them. Might be different with the new style V5's?

Fairing damage could easily make that bike a cat C. But i'd be surprised if it was just 1 small crack, usually other stuff gets scuffed or bent. It could be a good buy but you'd need to know how to check it over properly as there could be hidden horrors.

And no, you wouldn't legally have to mention it when you come to sell unless the buyer directly asks you if it's ever been written off.
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Last edited by 0ddball on 11:11 - 14 Apr 2011; edited 1 time in total
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RichieZX6R
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PostPosted: 10:57 - 14 Apr 2011    Post subject: Reply with quote

Still a bit much, lad at work picked up a none wrote off 58 model for 1.6k. Found it on ebay but it was in the winter..
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0l0dom0l0
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PostPosted: 11:06 - 14 Apr 2011    Post subject: Reply with quote

Just do a HPI check...

Personally, it still sounds a lot for a 4t 125. You'd be better off buying something a little less flashy, doing your test and buying an old rs or simular.

I don't really see the apeal of the R125's. Just seem so expensive for what they are.

If you're middle age you could pay for your test, and still buy and insure an early R1 for the same price as it would cost you for an R125 Shocked
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joneseyjnr200...
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PostPosted: 11:07 - 14 Apr 2011    Post subject: Reply with quote

My '97 thundercat was kicked over by scrotes in the night trying to nick it. Broken indicator, mirror, clutch lever, cracked and scuffed fairings and casings on the left hand side.
My insurance company wrote it off as cat c when the engineers quoted over a grand for repairs.
Considering the claim bumped my premium up from hundreds to thousands and i disagreed with the repair valuation i told them to do one, cancelled the claim and got my bike back.
As far as i'm aware all i have to do is repair it myself, get it mot'd and i can get it back on the road?
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Teflon-Mike
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PostPosted: 11:24 - 14 Apr 2011    Post subject: Reply with quote

If it's Cat C, they wont issue a V5 until the Cat C has been 'cleared' by an MOT...

Good way to flog a stolen bike that......

Hammer out the locks, chuck it in a van, take it to another county sell it from a lock up.......

"Yeah, it was Stolen..... look, the wrote it off for the locks and this ere crack in the fairing........ No mate, dont have the log book...... they wont issue one 'till its been cleared by an MOT....... and I dont have the time..... I just want rid....... but its no big hassle..... you just take it for a test, then send of a form....."

Could be a genuine Stolen recovered....... could be just stolen......
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Codemonkey
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PostPosted: 11:38 - 14 Apr 2011    Post subject: Reply with quote

Andy J wrote:
The bikes mint condition though that's what I don't understand.


Have you actually seen the bike in person and had a really good look at it, or are you just going on what the owner has said on the phone ?

Don't underestimate what it costs to replace the plastics on these, if you want new parts they cost a small fortune.

How old is the bike ?

There are loads of R125's out there used, I paid £2700 for a 6 month old 2010 one last year which other than a not very well looked after chain is pretty much mint, so for a cat C write off I'd be wanting at least a grand knocked off!

Also check if its been modified in any way. Common mods are noisy exhaust, removal of the pillion pegs and fitting a tail tidy. If its stolen & recovered, chances are you won't get the original parts with the bike which could be a problem come MOT time (someone correct me if i'm wrong, but I think you need the pillion footpegs if the bike has a pillion seat).
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Kickstart
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PostPosted: 12:08 - 14 Apr 2011    Post subject: Reply with quote

Codemonkey wrote:
(someone correct me if i'm wrong, but I think you need the pillion footpegs if the bike has a pillion seat).


Thumbs Up .

All the best

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AL-
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PostPosted: 12:16 - 14 Apr 2011    Post subject: Reply with quote

Over 2k for a 125 Shocked
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ThoughtContro...
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PostPosted: 12:29 - 14 Apr 2011    Post subject: Reply with quote

Sort of echoing Rogerborg (with some distortion)

Either buy a YBR/CG, or if you want something that looks sporty an older CBR125 for far less. The CBR will go no faster than the CG/YBR, but neither will your R125, since they're all pretty much the same in reality, that's why they're learner legal. And non-biking people with no clue will think the CBR is a sports bike, but be prepared to be laughed at by bikers who know its a pretend sports bike. As it's an older CBR it'll likely be pre-dropped, saving you some money and the effort of taking the pristine look off it yourself. Razz

Ride it around and get used to it, maybe a couple of lessons. Do an A2 test on it, sell it and recoup the money to spend on a big bike (SV?) and fit some restrictors for 2 years (or till they fall out Wink )
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