Are there any downsides To CAT D's

[Muscle Bike Rider]

Forgive me if this has been asked before but I'm not having much luck searching.

What are the negative issues with buying a CAT D bike, from what I can make out its described as light cosmetic damage which the insurance company has decided to0 expensive to repair, so could be fairings etc on a bike, is this right? could insurance refuse to insure it or only at a lower value, do you need to tell them its a cat d when you insure it? Only asking as when browsing bikes for sale on auto trader theres a few come up as repaired CAT D at some good prices, are they worth looking at or best avoiding?
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Previously Known As A5tra_G
Old Bikes :2010 Kawasaki ER6 F & 2000 Honda VTR Firestorm
Current Bike : XJR1300

[Pete.]

Not much to be worried about, except the bike will have a lower re-sale value and might have a lower insurable value (you'll get paid out less if it's nicked).

Remember, an insurer has already paid out full market value (supposedly) of the bike to one owner, they aren't likely to consider it worth market value again.
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a.k.a 'Geri'

132.9mph off and walked away. Gear is good, gear is good, gear is very very good

[P.addy]

I was watching a Hornet, 2008 which was a cat d back in 2010.

Missing indicator, snapped brake lever and scuff no bigger than 2p on the exhaust. Was up for 4995

[DrDonnyBrago]

[Muscle Bike Rider]

Right, got a reply from the garage selling it with some more details, bike is 2yrs old, apparently was dropped on its nearside so needed left fairing, mirror, clutch lever, engine casing, indicators, bar end and gear shift. All works carried out and parts replaced with genuine bits. Dont seem much to be a cat d, anyway going to arrange a viewing but just want to make sure I wont have any problems insuring it if it looks a good buy.
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Previously Known As A5tra_G
Old Bikes :2010 Kawasaki ER6 F & 2000 Honda VTR Firestorm
Current Bike : XJR1300

[grant965]

[Muscle Bike Rider]

Ahhh, found this eventualy, seems to make a bit more sense now.

Category A - Must be crushed. All of it.
Category B - Vehicle may not be returned to road. Parts may be sold.
Category C - Repairable. Possibly structural damage. Cost of damage (at dealer prices and labour rates) is more than book value of vehicle.
Category D - Repairable. Probably non-structural damage. May have been economic to repair, but insurer doesn't want to.
Category X - Repairable. Minor Danage.

In more detail:
Category A - May not be resold. Must be crushed. Total burnout or flood damage (salt or foul water). Severely damaged with no serviceable parts, or already stripped out shell. DVLA require "Notification of Destruction".

Category B - May not be resold. Damaged beyond economical repair, usually with severe structural damage. DVLA require "Notification of Destruction". Parts can be removed and sold.

Category C - Repairable salvage. Usually applies to vehicles with significant (structural) damage, where cost of repairs exceeds book value. Can be sold complete to Trade or Public. Recorded as "Category C" at DVLA. Category C vehicles' V5 documents are returned to DVLA. You re-apply, to DVLA or at your local VRO, for registration on the original identity once you have fixed it up, MOTed it and want to Tax it. Re-registration removes the Category C classification, but evidence it was at one time Category C remains on the vehicle's record at DVLA (and HPI and AA and the others).

Category D - 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. Or for unusual models or grey imports where the difficulty of obtaining new parts hinders a quick repair. Does not need VIC inspection to return to road. Recorded with HPI, AA, and the like.

Category X - Insurance-speak for 'Not Recorded', but subject to some claim and sold on by them as repairable salvage. Not recorded on registers at HPI, AA, .. or known at DVLA. Very light damage, or vehicle is fairly new. Requires minimal repair work.
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Previously Known As A5tra_G
Old Bikes :2010 Kawasaki ER6 F & 2000 Honda VTR Firestorm
Current Bike : XJR1300

[Pete.]