Buying a Cat D bike

[Alisonsbrothe...]

Hi, can anybody tell me the exact rules when a bike is a cat D. I know that it is deemed as cosmetic and not viable to repair (mostly) But where does this appear, do I need to tell the insurance company? Is it marked on the V5 or somewhere else? Does it lose it's cat D at some stage? i.e. if I repair the damage at my own cost is the bike no longer a cat D? Any info would be great people. Looking at a GSXR 750 or thou. Cheers
____________________
As confused as a hungry baby in a topless bar.

[Wafer_Thin_Ham]

It'll always come up as a CAT D if it's been recorded, so if anyone does an HPI check on it, it'll come back as previously a CAT D.

At least that's my understanding.......
____________________
My Flickr

[0ddball]

Don't need to tell the insurance co and ime it doesn't affect the premium. Not marked on the V5. If you come to sell it you don't have to tell the buyer (legally) unless they specifically ask but moraly you should.

The cat D mark sticks with it forever but most people realise it's only very light damage so aren't bothered as long as the price is right.

[Keir]

if its cat d it will always be cat d regardless.
my cat d car was not marked anywhere on the v5 etc, only noted on the hpi report.
insurance companies didnt seem to care when i had the car it was just worth less in their valuation.
where the cat c line stops and the cat d line starts varies greatly. dont always assume it 'just cosmetic' because its a d - check it as thoroughly as you would any other crashed bike regardless of its category.
____________________
Current : '08 Yamaha FZ1s
Previous: '99 Honda CBR 600FX, 03 ZX636 B1H, 99 Fazer 600 (red), 02 GSX-R 600 K2, 00 SV650s (red), 2008 ZX10R, 97 Bandit 1200N, 04 ZX6RR K1H, 04 GSX-R 1000, 98 Fazer 600 (gold), 05 Madness 110 Pit bike, 04 CR125R, 00 SV650s (black), 06 KTM 625 SMC, 99 SRAD 600 track bike, 03 SV650, 98 Bandit 1200N, Bandit 600SY, 03 GSX-R 600 K3, 01 GSX-R 600, 01 Fazer 600 (black), VFR 400 NC30 x3, 78 Honda Dream, 00 Speedfight 50

[the grim reaper]

As I understand it, the CAT D will show up on an HPI check for the lifetime of the bike, I don't think it is listed on the V5 though, hence the need for HPI in the first place.

You won't need to let your insurance company know, if the bike has a valid MOT then, as far as they are concerned, it's fine. They may be able toa ccess the information anyway, so be prepared in case they ask the question.

Cheers

Grim
____________________
Adverts don't always work: Remember that advert, where the army are running across the desert and they have a wounded man on a stretcher. They get to a ravine, the bridge is down and a caption pops up that says, 'What are you thinking?'. I don't know about you but I was thinking, 'Christ, I'm glad I'm not in the f***ing army'.

[The Original Muzza]

Does Cat D not also apply to stolen/recovered vehicles? Which could be completely mechanically and cosmetically sound, but price halved because of the Cat. I was looking at a stolen recovered 4x4 at about 1/3 of it's typical market value and insurance companies didn't seem to care.
____________________
Current Bikes: Husqvarna Svartpilen 401 (2020)
Former Bikes: Honda MSX125 (2014), BMW Funduro (1996), Honda VT500 (1983), Yamaha FZR250 (1989), Suzuki GZ125 Marauder(2005),:Triumph TT600 (2002) (stolen)
From then on, I and the bicycle feelings deeper.

[ms51ves3]

[Gazz]

I used to buy and sell written off cars for a few years. (Bikes are the same).

You dont need to tell any new potential buyer that it has been written off, etc however it is seen as morally correct to do so. If you choose not to tell them, then just say that you didn't know it was a Cat D.

Cat D is not marked on the V5, however a Cat C is, it is written under the extra notes bit on the logbook.

Cat D usually means it is just cosmetic damage, however some Cat Ds are in a worse condition as the Cat Cs. An example of this is; I done a Mazda 323F before that was a Cat C and all it was needing was a passengers side window. All I had to do was put a new window in it. Because it was a Cat C, it needed a VIC test - done at VOSA test station in Bishopbriggs. Think it was about £35. Also had to apply for a new V5 for this and it came back with the VIC test date on the V5.

If you do any HPi checks or anything it was come up that the car/bike has been written off.

Some HPI checks only tell you if it has been written off or not (they do not all tell you what catagory it was), so best to check first.

Hope that helps.

[arry]

[Gazz]

Found this:

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 the scrap value rarely covers the cost of recovery and delivery to a scrap yard.

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.

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.

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.

Category X Insurance Write Off - the vehicle is easily repairable and may even be still roadworthy.

Unrecorded Insurance Write Off - the vehicle damage was not reported to the insurer or the driver was uninsured. The most common example is drivers who only have third party insurance but have had an accident that was their fault (usually not involving anyone else).

[Tricolor]

[Tricolor]

[ms51ves3]

[arry]

[Tricolor]