Worth buying Cat C bikes ?

[ko5i]

Hi all,
I have a questions.
I just passed my A2 license and my insurance for my 125cc bike ends in few weeks so im looking for a bigger bike.
I really like MT-07, the sound and the look of it but its kind of expensive and I was questioning my self as there are used bikes for about 4500-4900£ with about 3000+ milage but you can buy brand new one for 5390£ from Yamaha.
I found good offer for 3500£ but the owner says its Cat C ''Low speed right hand side drop'' and the bike has done 6000 miles.
For me it looks fine everything in good condition [I personally have now my Yamaha r125 recorded as Cat C aswell and the only thing was that I had small ''crash'' also low speed and the bike fell on left side the only thing was break lever bend but I was able to straighten it and the bike runs fine as it was before but it was recorded as ''CAT C'' so I don't really mind it since the bike runs good and I got money for it .
So I don't mind getting Cat C bike as long as I have proof that it wasn't any bigger crash.
However I have few questions about it.

What about insurance ?
For example when I check on Comparethemarket they don't ask if its recorded as cat C or anything same when I was applying for insurance with my 125cc, So I guess I will get it insured but what about if I have some accident later on will it affect it somehow that I wont get money for the bike because it was already been written off ?
Also what are others things I should take in mind buying Cat C bike ?

Thanks for helping !

[Pjay]

I don't think anyone would say you should buy it.
There is no good reason to, unless you are going to do something with it that means you dont need to insure it in the UK.
This is because you will pay more to insure it and get less back from them in a claim and not only that, it will be worth peanuts in a few years, when the other ones that are £500 more, will be worth £1000 more.

Just buy one that is in your budget and not a write off.

Also are MT-07 A Licence bikes? I thought they were 700cc ish?

[M.C]

[Pjay]

[Rogerborg]

[M.C]

Problem with Cat C bikes is that they're sometimes missing a few bits: https://www.ebay.co.uk/itm/2012-KTM-690-DUKE-12-BLACK-/182095542574?hash=item2a65bd792e%3Ag%3AiZAAAOSw~oFXEo0~&nma=true&si=A%252BvvWQD79XYcwwH4ixa5Qxbp6ys%253D&orig_cvip=true&rt=nc&_trksid=p2047675.l2557

[Rogerborg]

[ko5i]

My budget is about 4690£ max 5000£ with insurance [yamaha mt 07 cheapest costs me 900 and for xj6 costs me 1100 same suzuki sv650]
I think i wanna keep the bike for about 2 years or maybe 1 year but for sure i wont be selling it anytime soon earlier will be 1 year but will try to keep it 2 years and do my full license and finally get my dream bike R1.
So the bike is for 3500 but i would want to get it for 3000£ as its cat C anyway and 3000 and 4500 its a difference so i would get cat C. Question is because im insuring it for third party only, if i buy this one for 3000 i could buy full insurance per year for 950£, but if i lets say get bike for 4300£ and i will pay it monthly [as i wont be able to afford to pay fully] and if the bike gets stolen what happens then ? do i still have to pay insurance even tho i dont have the bike ?
Also [to get it insured for thieft the cheapest is 3000£ which is basically nearly cost of bike so if i had another 3000£ i might just keep it in case it gets stolen so i buy new one instead paying insurance for thief thats ridiculous but back to topic if i select i keep it in garage i get 1400£ a year which is quite ok price, what if i select i keep in a garage but i dont ? [ to be honest for me safer is keeping the bike in front of house on drive way locked with thick chain almax immobiliser to anchor rather than keeping the bike in garage away from house as its just not so safe for me , people can go garages and open/steal without worrying someone will see them becasue garages around but in front of house rare that someone will steal bike locked alarmed and under camera

[Pjay]

If your dream bike is an R1, why not just get a 2006/7 R6 and save the money for an R1?

[ko5i]

[Pjay]

[ko5i]

Any bike reaching originally 94bhp is not legal to restrict for A2, meaning all the nice sexy sport bikes arent legal for A2
The closest looking sport bike i found is fully fairing suzuki sv650 [however it doesnt sound so sporty] the sportiest sound i found to be legal is XJ6 N
If i would be lucky enough i will get an A license instead A2 as the egzaminator written on my pass certificate ''Category A'' and the other on mod 1 wrote A2 but the one who did pass certificate wrote A but i really doubt this tbh i can ride /test ride any bike now just show them i have passed cat A

[GPC]

[ko5i]

Anyway what do you think about the thread because we went a little of topic ?
What about this bike should i get it for 3000£ ? as i will ride it for about year or two on it.
What about insurance if i crash it have accident will third party [because most likely would not be my fault as i drive carefully and responsible ] so will third party give me money for bike repair or with Cat C they wont give any money. Would it be worth ? [im insuring third party only, not fire and theft or so ever]

[Pjay]

[Rogerborg]

[ko5i]

Ok thanks for helping i will contact him later and try to go down to 3000£

[Rogerborg]

That's what I'd do. I'm not recommending that you do it.
____________________
Biking is 1/20th as dangerous as horse riding.
GONE: HN125-8, LF-250B, GPz 305, GPZ 500S, Burgman 400 // RIDING: F650GS (800 twin), Royal Enfield Bullet Electra 500 AVL, Ninja 250R because racebike

[Pjay]

[Pjay]

https://ssli.ebayimg.com/00/s/NjcyWDU4OA==/z/OOcAAOSwxp9W-9l4/$_86.JPG

That's got a nice commuter band worn into that tyre.

Knock him down £100 on that alone*


*Don't buy it.

[ko5i]

I saw it, but yeah tbh my bike that i have now has Cat C and the only thing was that i got hit at about 10/15 mph on left more like ''touch'' not hit and then i fell and jump out of bike and it just got bend break lever rear one and gear lever which i just straighten with hammer and all works as it was before. So if something like this happened and bike has Cat C then i dont really mind paying 40%+ less, But yeah seeing tire we can tell this guy use it a lot and not really care because it doesnt even have thread in the middle and he keep using it.

[Wednesday Biker]

Bought a bike that was cat c and 10 years later its still a good reliable bike with no issues.
If the price is good and its bought from somewhere you can go back and kick off its worth considering.

[ko5i]

Thanks but as people say above not to buy it because i see it has not much miles but the tire thread is bad will have to change it so it means he used it alot + its Cat C for 3450 and i can get no category for 4000£ But i think i will leave the Nice sound away as i cant afford it and will get some yamaha XJ6 naked version

[Wednesday Biker]

Yeah maybe not get this one but don't be put off by cat c bikes.
Might only save a few hundred but its basically the same bike but just cheaper because some people are scared stiff when they see Cat C.
Yep you'll get less for it when you sell but then you payed less for it.