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buying a cat b, advice UPDATE V5 HAS ARRIVED

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

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PostPosted: 19:35 - 01 Jul 2013    Post subject: Reply with quote

I've heard of someone having a bike inspected and reclassified but that was just after the Cat B order had been issued. They were successful, as it happens, as there wasn't a mark on the frame.

It wouldn't surprise me if it was occasionally cheaper for an insurance company to classify something B, rather than C, if they don't take into consideration what's best for the customer. It wouldn't surprise me at all.
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J.M.
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PostPosted: 19:43 - 01 Jul 2013    Post subject: Reply with quote

As far as I'm aware, there's nothing legally stopping you. However, getting the likes of the DVLA to believe that may be another matter.
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Rogerborg
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PostPosted: 21:25 - 01 Jul 2013    Post subject: Reply with quote

I've never seen any actual legislation about it. I believe it's all cooked up by insurers and the DVLA, and there's not even a VIC issue for bikes.

Thing is, how would you know a vehicle's been written off? The free DVLA vehicle check and askMID don't tell you, and neither do insurers when you buy a policy. Like heck am I paying them extra for a HPI check, so for all I know, every single one of my (2nd hand) bikes have been written off.

All that said, I wouldn't knowingly touch a cat B simply because of the hassle of dealing with the forces of idiocracy.
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Shaft
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PostPosted: 22:32 - 01 Jul 2013    Post subject: Reply with quote

Rogerborg wrote:
I've never seen any actual legislation about it. I believe it's all cooked up by insurers and the DVLA, and there's not even a VIC issue for bikes.

Thing is, how would you know a vehicle's been written off? The free DVLA vehicle check and askMID don't tell you, and neither do insurers when you buy a policy. Like heck am I paying them extra for a HPI check, so for all I know, every single one of my (2nd hand) bikes have been written off.

All that said, I wouldn't knowingly touch a cat B simply because of the hassle of dealing with the forces of idiocracy.


You're correct, you haven't seen any legislation, because none exists, it's just a gentleman's agreement between the insurance industry and the DVLA, ostensibly to reduce the number of 'dangerous' write offs going back on the road.

In theory, a Cat B is a vehicle that is fit only for breaking, with the identifiable part of that vehicle (car shell, bike frame) not able to be reused; the mechanism is meant to be that the VIN is marked on the DVLA database and, when you apply for a V5, your application is denied.

In practice, it seems particularly easy for bikes to slip through the net and there's plenty of Cat B bikes legitimately on the road.

As far as the insurance companies go, it doesn't seem to be that difficult to insure a heavily written off bike, mainly because it only becomes a problem (for the insured) when it gets damaged/written off again.

At that point, the insurance company run a check, discover the bike's history, then use that to leverage a lower pay out, either by claiming the condition of the machine contributed to the accident, or the written off status substantially reduces the value of the bike.

My personal recommendation would be to HPI every bike you intend to buy, but bike owners don't seem to be all that fussed about owning/buying/selling dodgy machinery, so you can treat that recommendation with whatever degree of contempt you feel it deserves.
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Shaft
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PostPosted: 23:08 - 01 Jul 2013    Post subject: Reply with quote

DivvyDumbarse wrote:
Ah ok so if i can get a v5 i should be fine


If you can get a V5 in your name ie, you apply to the DVLA for it and get it back, you will be fine, until you claim against your insurance when you smack it up, assuming you didn't tell your insurance company it was a write off.

Even then, it won't be a problem, because you paid so little for the bike in the first place, it won't be worth claiming.
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Efes123
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PostPosted: 06:41 - 02 Jul 2013    Post subject: Reply with quote

Expect a visit from the cops. That's what happened to me when I bought a Cat b and applied for the V5. As I'd already bought a 2nd frame (and V5), then they were OK, and actually quite helpful. But, they did recommend that I scrap the old frame.
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truslack
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PostPosted: 07:47 - 02 Jul 2013    Post subject: Reply with quote

I (accidentally, and unbeknownst) taxed, MOTed and insured a Cat B bike, and rode it for 6 months, then sold it to a mate, who taxed, MOTed and insured it - all without problem. We only found out 2 years later that it had been written off.
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PostPosted: 12:16 - 02 Jul 2013    Post subject: Reply with quote

Good work on reporting findings Thumbs Up.

Nice to have a reference to point to when others ask, at least.

Note that some people have had trouble with various places, but they shouldn't have because, as you've found, there seems to be legal standing for any of it.
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Pie-Roe
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PostPosted: 18:21 - 02 Jul 2013    Post subject: Reply with quote

As it's me selling him it, would it be better for him to apply for one separately, so I can destroy mine when he receives his? Or does it not really matter too much?

The dvla have no notification of the bike as of yet, I'm not sure when this happens, as the claim isn't settled (but both sides of solicitors given me written proof I can sell it)
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Shaft
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PostPosted: 18:28 - 02 Jul 2013    Post subject: Reply with quote

If it were me, I would send your V5 to the DVLA, informing them of a change of keeper; that is your responsibility and if you don't, it could bite you in the arse later.
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Seb
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PostPosted: 19:03 - 02 Jul 2013    Post subject: Reply with quote

Not strictly relevant, but certainly related. My Triumph is a Cat C and I had a small amount of the run around from Carol Nash when insuring it, I suspect it was more an idiot in the call centre than anything else mind. I initially got told I'd need to get the bike MOTed and have a VIC check on it, after some confused digging around, another phonecall back comfirmed that actually I wouldn't need either and that they were happy to insure it there and then Confused

Beyond that, my garage confirmed it was Cat C on it's first MOT last month but otherwise it's not even been mentioned. Quite happy with the savings tbh Thumbs Up
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Efes123
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PostPosted: 14:12 - 09 Aug 2013    Post subject: Reply with quote

Good result, loads of win Thumbs Up
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UnspeedySam
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PostPosted: 14:40 - 09 Aug 2013    Post subject: Reply with quote

DivvyDumbarse wrote:
New update! Full of win

V5 has arrived!!! Happy days


Yay! What is it?
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Timmeh
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PostPosted: 17:48 - 09 Aug 2013    Post subject: Reply with quote

DivvyDumbarse wrote:
Proof it dosen't need to be scraped!


not yet.

We'll wait until you've tinkered with it, then decide.
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UnspeedySam
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PostPosted: 13:52 - 11 Aug 2013    Post subject: Reply with quote

DivvyDumbarse wrote:
v5 = logbook Smile

final step is to put rest of new parts on and then tac, mot and insure Smile
most the large steps covered its now legaly in my posession as far as dvla are concerned.

Proof it dosen't need to be scraped!


I know what a V5 is you numpty. What bike is it? This the X11?
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