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BikeNewbie
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PostPosted: 20:24 - 25 Mar 2012    Post subject: Motorbike Damage Reply with quote

Hello,

My bike is possibly a write off, I should hear back tomorrow if it is or not, The main damage was the Front Wheel and Forks. Apparently they are twisted.

If I was to fix these problems myself, Could I get it back on the road?

I'm not sure about the Categories but it should fall under a C or D if there is no damage to the frame? Correct? Which he said there wasn't.

Thanks for any help.
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Mikey3
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PostPosted: 20:36 - 25 Mar 2012    Post subject: Reply with quote

My old SV got written off as a Cat B - so not able to be put back on the road, and turns out the only damage there was a cracked front wheel and bent forks. Even the fairing got away with no damage, just a scuff on the headlight and that's it, but yeah, cat B.

I'd say it could be a B or C, depends on the insurance company, they won't actually test it properly, they'll look at it and go 'yeah that's f*cked', I'd be suprised if they actually jig or laser the frame and do it proper proper like, they'll more than likely do an 'educated guess' from the visible damage and the repair costs, speed of the crash blah blah blah

Mike
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Pete.
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PostPosted: 20:42 - 25 Mar 2012    Post subject: Reply with quote

If it's A or B they'll probably take the bike and you won't see it again.

You could just change the forks and wheel if it's bent and then ride the bike if it's a C or D and they offer you the salvage. You don't need to do anything but make it roadworthy.
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Mikey3
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PostPosted: 20:51 - 25 Mar 2012    Post subject: Reply with quote

I don't think they'll scrap it. Maybe with A, but I got offered my bike back for spares, as it is mine after all, and I took it, and am now streetfightering it with a new frame. They valued it at £1600 and said I can have the bike back for £240 and £1360 cash. I doubt they'd just scrap it without giving you the choice.

Mike
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BikeNewbie
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PostPosted: 21:53 - 25 Mar 2012    Post subject: Reply with quote

So I don't need to get another MOT done?

Thanks.
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BikeNewbie
Scooby Slapper



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PostPosted: 22:07 - 25 Mar 2012    Post subject: Reply with quote

What is an SVA?

Thanks.
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Pete.
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PostPosted: 22:07 - 25 Mar 2012    Post subject: Reply with quote

Quote:
So I don't need to get another MOT done?


Nope

Quote:
Cat C will need an SVA I think it is.


Nope, not for bikes.
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BikeNewbie
Scooby Slapper



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PostPosted: 22:17 - 25 Mar 2012    Post subject: Reply with quote

So I can just get it fixed and start riding it again? Brilliant!

I will just have to see what they come back with now.

Thanks.
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bin
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PostPosted: 22:41 - 25 Mar 2012    Post subject: Reply with quote

The wheel is no problem get a new one...there are people out there who specialise in straightening forks and frames,depends what part of the country your from.
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Pete.
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PostPosted: 23:24 - 25 Mar 2012    Post subject: Reply with quote

Mk1GSF wrote:

You need to apply for docs for a Cat C?


No, you just fix it and ride it.
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lozzypop1
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PostPosted: 23:35 - 25 Mar 2012    Post subject: Reply with quote

Pete. wrote:
Quote:
So I don't need to get another MOT done?


Nope

Quote:
Cat C will need an SVA I think it is.


Nope, not for bikes.


When I wrote off the CG I was told by the insurance company that I had to get another MOT on it.
When it was stolen 2 days before MOT was booked, after I finished rectifying the problems, they would only have paid out the scrap value on it as it wasn't deemed roadworthy.
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Pete.
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PostPosted: 23:55 - 25 Mar 2012    Post subject: Reply with quote

lozzypop1 wrote:
When I wrote off the CG I was told by the insurance company that I had to get another MOT on it.
When it was stolen 2 days before MOT was booked, after I finished rectifying the problems, they would only have paid out the scrap value on it as it wasn't deemed roadworthy.


That might be a stipulation by that particular insurance company, but it's a pointless one since an MOT doesn't mean a bike is roadworthy and a claim doesn't invalidate a current MOT. Seems silly that they should require it.
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mad4it028
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PostPosted: 02:26 - 26 Mar 2012    Post subject: Reply with quote

yes you do have to re mot a cat c bike as otherwise whats to stop you buying it back leave as is after payout then reporting it missing to get another payout the mot at least nshows it was fixed to a road worthy state
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iooi
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PostPosted: 07:08 - 26 Mar 2012    Post subject: Reply with quote

junglejim wrote:
Pete. wrote:
an MOT doesn't mean a bike is roadworthy.


Shocked
Bit if a daft statment.
If a bike isn't roadworthy, then it's not going to pass an MOT is it.
That's the whole point of them


MOT only means it roadworthy at the point it done...

After that it means nothing other than another bit of paper to go over the cracks Laughing

Far too many people think its got a MOT... OK the bike is safe....
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weasley
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PostPosted: 08:46 - 26 Mar 2012    Post subject: Reply with quote

Bit of information here. This suggests you need to re-register (and thus re-MoT) a cat C bike, but no need for a VIC (which cars do need).

Do not forget also that the insurer is under no obligation to sell you the wreckage back - after they have settled the claim and given you some money, it is their bike. They may offer to sell you the bike as part of the settlement, but it is not a right you have.
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lihp
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PostPosted: 08:49 - 26 Mar 2012    Post subject: Reply with quote

junglejim wrote:

If a bike isn't roadworthy, then it's not going to pass an MOT is it.
That's the whole point of them


An MOT meerly checks that the bike's major components are SAFE, not road LEGAL.
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lozzypop1
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PostPosted: 16:23 - 26 Mar 2012    Post subject: Reply with quote

PhilDawson8270 wrote:


An MOT meerly checks that the bike's major components are SAFE, not road LEGAL.


Do you not mean that they check that they are road legal, not safe?
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Teflon-Mike
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PostPosted: 18:02 - 26 Mar 2012    Post subject: Reply with quote

Pete. wrote:
lozzypop1 wrote:
When I wrote off the CG I was told by the insurance company that I had to get another MOT on it.
When it was stolen 2 days before MOT was booked, after I finished rectifying the problems, they would only have paid out the scrap value on it as it wasn't deemed roadworthy.


That might be a stipulation by that particular insurance company, but it's a pointless one since an MOT doesn't mean a bike is roadworthy and a claim doesn't invalidate a current MOT. Seems silly that they should require it.


I checked this with DVLA about a year ago, as the 'donor' bike I got with one of the Super-Dreams, I was told was a Cat-C.

It DID take alot of digging & I cant find the .gov web-page on it any more; all I can find is procedure for cars.

BUT: if the bike is FORMALLY recorded as a Cat-C with DVLA...

This is the first point; Cat-C is now often common 'slang' for 'written off' by the insurance Co...... doesn't necesserily mean it HAS actualkly been formally declared by them to DVLA

If DVLA get formally notofied that the bike is Cat-C'd, they set the flag on teh DVLA Data-base, and it remains CAT-C'd until that is 'cleared' by the bike passing a new MOT.

There are a LOAD of caveots & loops & potential pitfalls; and main one is over whether the Insuance Co 'declare' cat-C in abscence of teh V5.

As I can best understand it; for a formal Cat-C; Insurance co offer a settlement; and on accepting that settlement you return the V5 to the insurers who take title to the 'bike', and notify DVLA of teh write off & cat.

DVLC set the flag, and the insurers sell teh salvage.

Salvage co will NOT get a V5 with the bike; that I believe ought to go back to DVLA

To return the bike to road, you have to get an MOT to 'clear' the DVLA Cat-Flag; THEN they will issue a new V5 on application

BUT: if you take a settlement with an insurance co, where-by you retain 'salvage' as part of the settlement; you then have a quandry as to whether its formally declared or not. V5 ought to go back to DVLA but I believe they can record the cat without surrendering the V5.

If they dont declare to DVLA then you could be 'clear'... you have simply taken a settlement for damage & up to you to do what you will with it & make sure its legal & road-worthy.

If they DO declare the Cat in the abscence of V5; then you could have a full suite of effectively 'void' documents on the bike; having been nullified by the vehicle having been suspended by the cat-flag on DVLA data-base.

So, heed should be for the sake of £30... if you take settlement & salvage; get it fixed & get it tested.

BUT, beware DVLA 'Lag'.... if you are a bit swift.... and get the bike fixed & MOT'd next day after the Insurance cheque has cleared, possible that the delay in the insurance processing the claim papers, and DVLA taking any action on any Cat-Note, COULD see them effectively 'cancel' the post-crash MOT, becouse the Cat flag got set AFTER the post crash MOT was done!
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lihp
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PostPosted: 21:20 - 26 Mar 2012    Post subject: Reply with quote

lozzypop1 wrote:
PhilDawson8270 wrote:


An MOT meerly checks that the bike's major components are SAFE, not road LEGAL.


Do you not mean that they check that they are road legal, not safe?


Nope, they will check that components are in decent working condition, not that the bike is legal for the road, under construction and use regs etc.
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