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The NSR I crashed... Cat B

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Snorty
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PostPosted: 16:52 - 17 Mar 2014    Post subject: The NSR I crashed... Cat B Reply with quote

So the insurers have finally decided they're going to look at the bike and offer my friend some money for it (bear in mind it was crashed in December...)

They've offered him £1369 which is their first offer - most NSRs in a similar condition to his are £1500 on eBay so we've told them to come back with a better figure.

It's been written off as a Cat B and they're telling him he can keep it. What can we sell and what do we do with regards to V5 etc?
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Red Rocket



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PostPosted: 17:10 - 17 Mar 2014    Post subject: Reply with quote

_Iain_ wrote:
I think you can just put it back together & use it if it's not too bent regardless of category.


Yup, I'd do that!
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P.
Red Rocket



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PostPosted: 18:01 - 17 Mar 2014    Post subject: Reply with quote

mpd72 wrote:
I thought Cat A was scrap not even allowed to break for spares and Cat B was OK to use some for spares but couldn't go back on the road. I'd definitely HPI it first though as the insurers obviously don't bother recording some write offs.


You thought wrong buddy, categories are not in law, just insurance faggots eyes.
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ficedula
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PostPosted: 21:42 - 17 Mar 2014    Post subject: Reply with quote

https://www.whatdotheyknow.com/request/returning_a_motorcycle_to_the_ro

VOSA wrote:

Taken that into account to return a written off motorcycle to the road
requires only that the vehicle be repaired to a road worthy standard. Some
insurance providers require a new MOT be conducted but this is purely their
own company policy and not national law any pre-existing MOT remains valid
regardless of a write off.


Basically, the fact it's written off means nothing, legally. The bike just needs to be road worthy to be put on the road (which it has to be anyway!), and any existing MOT is still valid (so you don't need to have it re-inspected to prove that it is road worthy).
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Rogerborg
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PostPosted: 22:15 - 17 Mar 2014    Post subject: Reply with quote

mpd72 wrote:
Anything official to back that up?

No, hang on, we don't yet live in a regime where everything is prohibited unless allowed.

The way it works is that anyone who tells you that you can't do anything needs to point you at the statute and section that makes it an offence. Nobody will, because it doesn't exist.

As noted several times, the only issue is:

#1 A Vehicle Identity Check (VIC) for cars (not bikes), although even that's just administrative.

#2 The insurance cartel spitting its collective dummy because they've already paid for the vehicle and don't want to be paying out on it again.

If you can find one who will insure a "written off" vehicle - or more likely, one who pretends not to notice at the time when they collect your premium - that's their look-out, not yours.
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ficedula
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PostPosted: 22:35 - 17 Mar 2014    Post subject: Reply with quote

Nope, as they mentioned, VIC isn't required for a car to be used on the road in any case.

Conflicting information is probably just insurers, being insurers. Wouldn't be surprised if customer services at your random Joe Bloggs Insurance Co. actually believed you can't put cat A/B on the road just because they've been told "don't issue insurance on those". It's all just their company policies, though.
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Teflon-Mike
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PostPosted: 13:31 - 18 Mar 2014    Post subject: Reply with quote

Paddy. wrote:
mpd72 wrote:
I thought Cat A was scrap not even allowed to break for spares and Cat B was OK to use some for spares but couldn't go back on the road. I'd definitely HPI it first though as the insurers obviously don't bother recording some write offs.


You thought wrong buddy, categories are not in law, just insurance faggots eyes.


Err... well technically they are in law. Practically they are in the mind of the collective that is DVLA and its drones the MIB.

Catagory A - Totally undeniably, dead metal; might be weighed in and recycled but not a lot else.
Catagory B - May be salvaged for parts, but the 'vehicle' as registered is dead, the main structural member, damaged such as to make the vehicle impossible to make road-worthy again.
Catagory C - Significantly Beyond Ecconomical repair; so could be fixed, but not worth doing it; at least by the insurance companies bean counters.
Catagory D - Damaged, but such an old or low value vehicle, Beyond Ecconomical Repair, or even propper assessement.

IF the vehicle is GENUINELY deemed a cat write off, that is done by the insurance company, who report it to DVLA who either remove or suspend the vehicles registration from the DVLA database.

Cat A and Cat B when reported are removed from the data-base, the 'road vehicle' no longer exists and cannot be returned to the road, they will not re-issue the V5 for the bike.

Cat C and Cat D, when reported have the registration 'suspended'. Remains on the data-base, but they wont issue a V5 for it until the flags re-set by the vehicle having been deemed road-worthy again. For cars this demands a version of the single vehicle approval test, I believe... for bikes they just have to pass a new MOT.

So insurance company (Salvage Trader, Mechanic thats looked at it; e-bay seller,, ANY-ONE really) can SAY that a bike is a Cat-X... they can say its a Banana, or the long lost Lord Lucan..... ent TRUE unless or until the bike is OFFICIALLY recorded as such with DVLA.

Technically, for it to be logged as an official Cat X, the insurance company would get you to surrender the V5 to them as part of the settlement, then they would surrender that to DVLA.

But we live in a world of computers, and I believe that they can do it 'blind', leaving a paper V5 out in the real world, that could be confusing/dangerouse.

So... if they SAY it's a Cat-B.....

It could be that they have pre-emptorily registered the Cat-X with DVLA ahead of settlement... which would be a bit nauighty of them, but is possible.

Could be that they INTEND to declare it a Cat-B with dvla upon settlement, when all is agreed, money and paperwork changes hands.

Could be that they are merely talking terms... and its 'suggested it should' be a Cat-B.

If you still have possession of the bike, and the log book... until the insurance company hand over the folding, its YOUR (or your mates) bike, legally your property for YOU to decide what to do with...

Whatever the Ins Co SAY they think as far as Cats... if you decided to 'drop' the claim...... THEY cant 'Cat' it! Its thier 'ownership' of the vehicle that gives them that right.

But, assuming a settlement is agreed, money changes hands, and you accept the 'salvage' as part of the settlement....

Theoretically, they SHOULD get you to surrender the V5, and as legal owners of the 'vehicle' as opposed to owner of the 'salvage'; they can then register the Catagory Write Off with DVLA and the 'vehicle' ceases to be on the data-base...

If you fixed it up? Well, if you didn't give them the V5, and you still had a tax disc and old MOT.... might look good to go, but... if it HAS been catted, then the ident has been struck off the DVLA records, and if stopped and checked... would come back as a dangerouse vehicle, instant sieze and destroy job.

All you can 'safely' do with it, is strip it for spares; put an angle grinder through the head-stock, and weigh in whatever you cant use, including the frame as dead metal.

IF its been O-Ficially Catted.

Which is the real question.

If they are just talking the talk, using the jargon, which they are want to do.... but DONT actually follow the CAT process with DVLA....

You have bent bike, to do with as you wish. You start by sending off form to get a new V5... as 'lost'.... give it a couple of months after teh check has cleared to let any lag in the system settle... and IF DVLA issue a new V5... it end bin Catted. If they dont... they tell you what cat it is. and if A or B, then back to dead metal. If it comes up as C or D, then just needs fixing and MOTing... and soon as it has an MOT a new V5 can be obtained. the Cat-flag lifted.

Another point of note on Cats... when it comes to adverts and HPI checks... and its said the bike 'IS' a cat D or D in an advert... but selling with tax and test on it? NO! If it IS a Cat C/d cant have either V5 tax or MOT... if it HAS a post cat flag MOT, it ENT a Cat.. WAS not IS.. and mire of motor-trade jargon where bikes that have been fixed up after a bump get described as a 'Cat-C', because they have been fixed up... when REALLY they have never been 'Catted' because damage wasn't paid for by an insurance co, or insurance co that paid for the work didn't follow legal process for Cat registration etc.

So that's your answer... depends whether it has been LEGALLY catagorised as 'unfit for road' and registered as such by DVLA against the registration.

And what insurance companies say, and what they do, is not always the same thing.
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Snorty
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PostPosted: 13:43 - 18 Mar 2014    Post subject: Reply with quote

Sadly that's one less two-stroke on the road...
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Chalky.
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PostPosted: 13:54 - 18 Mar 2014    Post subject: Reply with quote

Teflon-Mike wrote:

Err... well technically they are in law. Practically they are in the mind of the collective that is DVLA and its drones the MIB.

Catagory A - Totally undeniably, dead metal; might be weighed in and recycled but not a lot else.
Catagory B - May be salvaged for parts, but the 'vehicle' as registered is dead, the main structural member, damaged such as to make the vehicle impossible to make road-worthy again.
Catagory C - Significantly Beyond Ecconomical repair; so could be fixed, but not worth doing it; at least by the insurance companies bean counters.
Catagory D - Damaged, but such an old or low value vehicle, Beyond Ecconomical Repair, or even propper assessement.

IF the vehicle is GENUINELY deemed a cat write off, that is done by the insurance company, who report it to DVLA who either remove or suspend the vehicles registration from the DVLA database.

Cat A and Cat B when reported are removed from the data-base, the 'road vehicle' no longer exists and cannot be returned to the road, they will not re-issue the V5 for the bike.

Cat C and Cat D, when reported have the registration 'suspended'. Remains on the data-base, but they wont issue a V5 for it until the flags re-set by the vehicle having been deemed road-worthy again. For cars this demands a version of the single vehicle approval test, I believe... for bikes they just have to pass a new MOT.

So insurance company (Salvage Trader, Mechanic thats looked at it; e-bay seller,, ANY-ONE really) can SAY that a bike is a Cat-X... they can say its a Banana, or the long lost Lord Lucan..... ent TRUE unless or until the bike is OFFICIALLY recorded as such with DVLA.

Technically, for it to be logged as an official Cat X, the insurance company would get you to surrender the V5 to them as part of the settlement, then they would surrender that to DVLA.

But we live in a world of computers, and I believe that they can do it 'blind', leaving a paper V5 out in the real world, that could be confusing/dangerouse.

So... if they SAY it's a Cat-B.....

It could be that they have pre-emptorily registered the Cat-X with DVLA ahead of settlement... which would be a bit nauighty of them, but is possible.

Could be that they INTEND to declare it a Cat-B with dvla upon settlement, when all is agreed, money and paperwork changes hands.

Could be that they are merely talking terms... and its 'suggested it should' be a Cat-B.

If you still have possession of the bike, and the log book... until the insurance company hand over the folding, its YOUR (or your mates) bike, legally your property for YOU to decide what to do with...

Whatever the Ins Co SAY they think as far as Cats... if you decided to 'drop' the claim...... THEY cant 'Cat' it! Its thier 'ownership' of the vehicle that gives them that right.

But, assuming a settlement is agreed, money changes hands, and you accept the 'salvage' as part of the settlement....

Theoretically, they SHOULD get you to surrender the V5, and as legal owners of the 'vehicle' as opposed to owner of the 'salvage'; they can then register the Catagory Write Off with DVLA and the 'vehicle' ceases to be on the data-base...

If you fixed it up? Well, if you didn't give them the V5, and you still had a tax disc and old MOT.... might look good to go, but... if it HAS been catted, then the ident has been struck off the DVLA records, and if stopped and checked... would come back as a dangerouse vehicle, instant sieze and destroy job.

All you can 'safely' do with it, is strip it for spares; put an angle grinder through the head-stock, and weigh in whatever you cant use, including the frame as dead metal.

IF its been O-Ficially Catted.

Which is the real question.

If they are just talking the talk, using the jargon, which they are want to do.... but DONT actually follow the CAT process with DVLA....

You have bent bike, to do with as you wish. You start by sending off form to get a new V5... as 'lost'.... give it a couple of months after teh check has cleared to let any lag in the system settle... and IF DVLA issue a new V5... it end bin Catted. If they dont... they tell you what cat it is. and if A or B, then back to dead metal. If it comes up as C or D, then just needs fixing and MOTing... and soon as it has an MOT a new V5 can be obtained. the Cat-flag lifted.

Another point of note on Cats... when it comes to adverts and HPI checks... and its said the bike 'IS' a cat D or D in an advert... but selling with tax and test on it? NO! If it IS a Cat C/d cant have either V5 tax or MOT... if it HAS a post cat flag MOT, it ENT a Cat.. WAS not IS.. and mire of motor-trade jargon where bikes that have been fixed up after a bump get described as a 'Cat-C', because they have been fixed up... when REALLY they have never been 'Catted' because damage wasn't paid for by an insurance co, or insurance co that paid for the work didn't follow legal process for Cat registration etc.

So that's your answer... depends whether it has been LEGALLY catagorised as 'unfit for road' and registered as such by DVLA against the registration.

And what insurance companies say, and what they do, is not always the same thing.


Well that's just a shed load of pure rubbish.
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Chalky.
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PostPosted: 13:57 - 18 Mar 2014    Post subject: Reply with quote

https://www.ebay.co.uk/itm/2010-10-LAND-ROVER-RANGE-ROVER-SPORT-3-0TDV6-AUTO-HSE-GEUNINE-6-000-MILES-/321348022883?pt=Automobiles_UK&hash=item4ad1d5b263

https://www.ebay.co.uk/itm/Audi-A4-TDI-SLINE-170-Special-Edition-2011-/121284351180?pt=Automobiles_UK&hash=item1c3d1c54cc
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ficedula
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PostPosted: 14:00 - 18 Mar 2014    Post subject: Reply with quote

Teflon-Mike wrote:

<An essay>


[Citation Needed] on that lot, I think, especially since it directly contradicts what VOSA say about putting a motorbike back on the road.
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P.
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PostPosted: 16:03 - 18 Mar 2014    Post subject: Reply with quote

If you don't want it, name your price. Bear in mind its Cat B so I won't pay shit loads...
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map
Mr Calendar



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PostPosted: 16:07 - 18 Mar 2014    Post subject: Reply with quote

Paddy. wrote:
...I won't pay shit loads...
iirc you never do Wink

On topic Cat-B motorcycle can be put back on road. With a car you'd have to jump through hoops, not with a bike.
As said, should affect resale value and it may be recorded on HPI and the like.
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j.silvs
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PostPosted: 06:24 - 19 Mar 2014    Post subject: Reply with quote

MCE cover previous Cat's FWIW

Spoke to them and they said they 'recommend' getting a new MOT but not compulsory
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P.
Red Rocket



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PostPosted: 07:55 - 19 Mar 2014    Post subject: Reply with quote

j.silvs wrote:
MCE cover previous Cat's FWIW

Spoke to them and they said they 'recommend' getting a new MOT but not compulsory


I don't even know why you would ask, just insure it and go.
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Clutchy
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PostPosted: 08:05 - 19 Mar 2014    Post subject: Reply with quote

Chalky. wrote:
https://www.ebay.co.uk/itm/2010-10-LAND-ROVER-RANGE-ROVER-SPORT-3-0TDV6-AUTO-HSE-GEUNINE-6-000-MILES-/321348022883?pt=Automobiles_UK&hash=item4ad1d5b263

https://www.ebay.co.uk/itm/Audi-A4-TDI-SLINE-170-Special-Edition-2011-/121284351180?pt=Automobiles_UK&hash=item1c3d1c54cc



Do you own a dealership or something? Rolling Eyes


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Ste
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PostPosted: 08:35 - 19 Mar 2014    Post subject: Reply with quote

You'd ask so that you don't risk your policy being voided for non-disclosure.

Rather than then having to get into a dispute about whether the bike being a cat B write off is a material fact, it'd be much easier to just tell the insurance company (and have something in writing that confirms what you've told them) before you buy the policy.
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Rogerborg
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PostPosted: 09:33 - 19 Mar 2014    Post subject: Reply with quote

Ste wrote:
You'd ask so that you don't risk your policy being voided for non-disclosure.

The thought of paying the cartel for information that they hold so that I can give them that information straight back fills me with mirth.

Don't know if any of my bikes have been written off, don't care.
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Ste
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PostPosted: 09:50 - 19 Mar 2014    Post subject: Reply with quote

I didn't suggest paying any extra for telling them that it's whatever category write off. Razz

The only reasons I'd be interested if a bike was a write off is that I'd pay less than than I would for one that hasn't been written off and if was a road going category B then I'd expect it to be a complete headache when it came to sell it on.
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Rogerborg
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PostPosted: 10:44 - 19 Mar 2014    Post subject: Reply with quote

Depends on the value, I suppose. I've never bothered checking because I've only had one bike where the difference in resale between "minted, mate" and "cat B, sold as seen" will be significant enough for me to notice.

That's Ze Beemer which came "HPI clear". Which I trust as much as the exhaustive "approved used" inspection that failed to spot a pissing fork seal. But I have the paperwork for it, so if it turns out that the bike is hooky I know who'll be footing my loss.
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