Insurance for cat D cosmetic damaged bike?

Cheeseybeaner · World Chat Champion Joined: 15 Jul 2010 Karma :

Hi just wondering if buying a cosmetically repaired cat D bike has any effect on the insurance premiums?

grant965 · Brolly Dolly Joined: 02 Mar 2011 Karma :

G · The Voice of Reason Joined: 02 Feb 2002 Karma :

Never seen an insurance company ask; but do expect a bit lower payout if it does get crashed or stolen, as they (reasonably) consider it to be worth less.

kernow24 · Crazy Courier Joined: 15 Jun 2011 Karma :

Cheeseybeaner · World Chat Champion Joined: 15 Jul 2010 Karma :

So I suppose they wouldn't have a record of the bike's history which would come up and thereby load premiums.
I see what you mean about payouts possibly being less which I suppose is reasonable, more concerned about the premium being loaded due to it.
Bike has had a new tank, nose cone and professional respray as far as I'm told.