How do they decide which salvage category?

[grant965]

How the hell is this cat C ?!?!
https://www.ebay.co.uk/itm/2006-Triumph-SPRINT-ST-1050-ABS-BLUE-DAMAGED-REPAIRABLE-/170897271445?pt=UK_Motorcycles&hash=item27ca456a95
You could ride that home !! Bargain for someone
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Ex bikes: 05 Suzuki En 125, '98 Yamaha Thundercat, '08 Honda cbr125, '05 Kawasaki z750, '03 Triumph Daytona 600, '91 Kawasaki ex250, '03 Hyosung Comet 125
Current Bike: '02 Suzuki TL1000R

[Walloper]

It's probably down to cost to repair Versus Market value. (Brand new goods sometimes have different underwriter conditions/allowances.)

I think cat C is where repair involves critical structural areas of a vehicle.

This will increase CoR so insurers 'write it off'.

The way to beat it is to find someone who can repair the 'Unrepairable'.

But if it's deemed Cat C it most often remains Cat C. though would be marked Cat C repaired. Most often difficult to get finance and insurance of these things though.

If you Google 'Cat C' it will give you the whole story though.


You have Google???

That beast has a load of miles on it. The cost of repair to 'cosmetic' damage would probably run to about £2000 (@main dealer rates) so not worth repair. But the bike looks mint. And you could find a shop to paint the whole bike for less than a grand.
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W-ireless A-rtificial L-ifeform L-imited to O-bservation P-eacekeeping and E-fficient R-epair

[covent.gardens]

I've seen cars on copart that are totally ruined, front end missing.... Cat d!! It's all a bit of a lottery

[TaiChi]

The Cat system is not about the cost of repairing or even an indicator of the type or extent of the damage.

It is all about insurance fraud.

[Walloper]

[Tomzo47]

if the insurance wasn't so high id buy that in a second. GOD DAMN I HATE INSURANCE
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Ybr 125 > Bandit 650SA > GSXR 600 > Triumph Sprint St1050 > CB1300 > Z1000SX + FJ1200 (written off) > VFR750 >FJ1200

[pinkyfloyd]

Found this, its for a car but I would assume its the same deal.

Insurance Write Off Categories

The insurance write off categories are as follows:

Category A Insurance Write Off – the vehicle must scrapped and no parts or components can be sold other than for scrap. Amounts vary but Category A Insurance Write Off vehicles can be very valuable. Consider some of the online companies that will buy you car ‘what ever the condition.’ If the insurance company are prepared to give you a settlement figure and the car wreckage then make sure you shop around the various websites for the best offers.

If all else fails try your local scrap metal dealer, they will often pay good money for scrap cars or unrepairable vehicles. Visit our Scrap Cars page for more details. Also visit our car crashs website.

Category B Insurance Write Off - the vehicle must not be used again but non- structural and roadworthy parts and components may be recovered for use in other vehicles. Care must be taken to ensure that they are not critical components with important safety functions. Again there are several online companies who will offer significant amounts of money for Category B Insurance Write Off vehicles.


Category C Insurance Write Off – the vehicle is repairable but the parts and labour would exceed the value of the car. This is a tricky situation as there are plenty of amateur and professional mechanics who could use second hand parts to repair these vehicles at much lower prices than the list costs for parts and labour. Discuss this with your insurance company if you want to keep the car rather than have it written off.

Category D Insurance Write Off – the vehicle is economically repairable but other factors are involved that cause the insurer to declare the vehicle a write off. Perhaps the replacement car hire is too costly or it will take too long for a specialist part to be delivered. Again, discuss this with your insurance company if you want to keep the car.

Category X Insurance Write Off – the vehicle is easily repairable and may even be still roadworthy.
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illuminateTHEmind wrote: I am just more evolved than most of you guys... this allows me to pick of things quickly which would have normally taken the common man years to master
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Teflon-Mike:I think I agree with just about all Pinky has said.

[TheSmiler]

Motorbike Write Off Categories

Category A
Vehicle must be crushed.
All of it. May not be resold. Entire motorcycle must be crushed. Severely damaged with no serviceable parts, or already stripped out shell. DVLA require "Notification of Destruction".

Category B
Bike may not be returned to road.
Parts may be sold. Motorcycle itself may not be resold. Damaged beyond economical repair, usually with severe structural/frame damage. Parts can be removed and sold.


Category C
Repairable. Possibly structural damage. Cost of damage (at main dealer prices and labour rates) is more than book value of bike.
Repairable salvage. Usually applies to motorcycles with significant frame damage, where cost of repairs exceeds book value. Can be sold complete to Motorcycle Trade or Public.

Category D
Repairable. Probably non-structural damage. May have been economic to repair, but insurer doesn't want to.
Repairable salvage. Minimal damage, probably not structural, but insurer does not want to repair, even though it might be economic to do so. Often stolen and recovered after claim has been paid

Category F
Damaged by fire. Damaged by fire. Should be repairable. If not safely repairable, it should be called Category A or B.

Category X
Repairable. Minor Damage.
Insurance-speak for 'Not Recorded', but subject to some claim and sold on by them as repairable salvage. This is Not an official category, this is what you may see in a private advert.

Insurance companies often call vehicles involved in an accident a 'write off' or 'total loss', which gives the wrong impression to anyone not familiar with the insurance or salvage industry. An insurance company faced with a claim first estimates the financial cost of repairing the vehicle to its pre-accident condition.

The cost of the repair will be based on new parts prices and garage labour charges, often making it uneconomical for the insurance company to carry out the repair. A person doing the work themselves and sourcing recycled spares can often make the repair viable.
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CB125>CG125>GN125>ER5>K100RS>R1100RS>K100RS
A2 completed 23/07/15 Ready for the Golden Crisp Packet

[anthony_r6]

[pinkyfloyd]

[Vincent]

Buying written off bikes can be a bit of a gamble, you see a lot of Cat C and Cat D bikes with hammer/fist shaped dents in the tank, makes you wonder if there's anything seriously wrong with the motor and it's the only way the owner could get some money back. However, there are more bargains, and if, like me, you're not too bothered about scratched/repaired bodywork you could do a lot worserer in the private market or eBay.
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Space Is Deep

[TaiChi]

Rather than take someone's interpretation of the categories, why not take it straight from the horse's mouth.

www.abi.org.uk/Information/Codes_and_Guidance.../40510.pdf

The ABI introduced the salvage code of practice in a vain effort to reduce insurance fraud, which at the time was 'rampant'. Nowadays it is merely 'common'.

[anthony_r6]

[TaiChi]

[daemonoid]

[.Chris.]

Try this link.

I wonder if there's any actual statutory basis for those categories, or if it's just something the ABI and DVLA have dreamed up?
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Chris
1985 Kawasaki Z550F

[TaiChi]

[Walloper]

[daemonoid]

[TaiChi]

[Walloper]

[.Chris.]

[Walloper]

[Vincent]

[Rogerborg]