Cat B proceedures?

[Pete.]

Following an accident some while back I had my old bike inspected by the 3rd party insurer's engineer and they have agreed it's a write off, and sent me a cheque. I get to keep the bike. The engineer commented that it would have to be a CatB because of a broken frame lug.

How can I find out if this has happened?
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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

[M.C]

Text check? Or you could use the autotrader trick for free.

Edit: found my awesome guide: https://www.bikechatforums.com/viewtopic.php?p=4247006#4247006

[Pete.]

That's very helpful, thanks.

Well, so far it's not recorded as anything but since they only sent me the cheque this week I think I will wait a fortnight and try again.

Anyone know if there's a time period within which they must update the database? I can repair the broken lug easily enough but I don't want to end up repairing a bike that ends up with no V5.
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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

[M.C]

Nope, but you might get lucky, they failed to record my bike

[Shaft]

I might have completely imagined this, but I'm sure I was once told that, even though they paid you as if it was written off, it's not the responsibility of a third party insurer to officially make the declaration; certainly when I had a car written off a few years back, I also got a cheque and the car and I know it was never recorded, it's still on the road.

As I say, that might be a complete figbox of my imagination (I can check with my tame assessor on Monday, if nobody confirms or denies) but I'm pretty sure this is one of the reasons why there are so many unrecorded write offs around.
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Things get better with age; I'm close to being magnificent........
20 RE Interceptor, 83 Z1100A3, 83 GS650 Katana
WooHoo, I'm a Man Point Millionaire! https://www.bikechatforums.com/viewtopic.php?t=234035

[trevoriv]

I'm pretty sure a cat b total loss cannot go back on the road. C's and d's can but a's have to be crushed and b's split for parts.

Shouldn't really take that long for the database to update. That is off course on the basis that they have submitted it as a categorised total loss. You wouldn't normally be expected to retain a cat b vehicle.

Edit: Have you surrendered your v5? What should happen with a cat b is v5 surrendered and destroyed and vehicle handed over (sold) to a salvage agent to be split for useable parts and remainder crushed.
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Past: '96 Thundercat, '02 ZX636R (A1P), '58 KTM 690 SM LC4 Current: '06 ZX636R (C6F)
Mudskipper wrote: Someone just has to sig that...

[Pete.]

Yep that's how I understand it too. I have no problem re-welding the lug it doesn't hold the engine or any suspension part. I asked the engineer to give it a C since I was perfectly capable of repairing the lug but he said it would have to be a B and not go back on the road. Fair enough if it does end up a B but if it doesn't get recorded then it'll have a bi influence on how I deal with it. There's a frame on eBay for £200 right now but coupled with the cost of other parts it hardly makes it worthwhile repairing it when there's probably £500 of parts I could sell. If it doesn't get recorded then putting it back on the road with the current frame is more of a viable option.

So far all I have is a letter with a cheque and no mention of category.
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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

[Kickstart]

Hi

The categories are an insurance industry thing with no apparent legal basis. So they can what they like

All the best

Katy
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Traxpics, track day and racing photographs - Bimota Forum - Bike performance / thrust graphs for choosing gearing

[trevoriv]

Hmm a quick google reveals plenty of grey areas. My perspective is tainted slightly as I work in the cheque paying / premium calculating insurance world but from my perspective the intention is to remove a's and b's from the road and get them into salvage agents.

However it would appear that if the registered keeper retains the vehicle you can repair it and get it back on the road. Not sure if you would need vosa to do a vic on it though to get the cat b flag removed as far as the dvla are concerned so they will issue a v5.
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Past: '96 Thundercat, '02 ZX636R (A1P), '58 KTM 690 SM LC4 Current: '06 ZX636R (C6F)
Mudskipper wrote: Someone just has to sig that...

[Pete.]

[Pete.]

[Shaft]

[Rogerborg]

Herro.

A+B / C+D are insurance fictions. The distinction is not suitable for repair / suitable for repair.


The Road Vehicles (Registration and Licensing) (Amendment) (No. 2) Regulations 2015.

Duty of the insurer

1.—(1) If an insurer determines that the relevant vehicle for which it provides a policy of insurance has sustained damage such that the repair costs including value added tax exceed the pre-accident value of that vehicle—

(a) that insurer must notify the Secretary of State whether the relevant vehicle is suitable for repair or not as the case may be; and

(b) unless that insurer is also the keeper of the relevant vehicle, the insurer must notify the keeper of that vehicle—

(i) that the vehicle repair costs including value added tax exceed the pre-accident value of that vehicle, and

(ii) if the vehicle is suitable for repair or not as the case may be.

(2) Following notification in accordance with paragraph (1)(a) the insurer must destroy the registration document if this is in its possession.


Duty of the keeper

(2) Where the keeper of a relevant vehicle receives a notification from an insurer in accordance with paragraph 1(1)(b), that keeper must forthwith surrender the registration document for that vehicle to the Secretary of State unless that document is held by the insurer.

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

tl;dr version [hat tip to Shaft for spotting this] - your insurer is required to tell the DVLA that a vehicle that they insure has been written off and whether it's repairable. You do not have to tell anyone. An insurer does not have to tell the DVLA or anyone else about a 3rd party's vehicle that they've written off, only a vehicle that they cover (i.e. a fully comp / fire / theft damage claim).

If an insurer writes off a vehicle that they cover, and they have the V5C then they must destroy it. Nothing obliges you to give it to them, or to a 3rd party insurer.

If and only if your insurer tells you that your vehicle has been written off and whether it's repairable or not, you must then surrender the V5C to The Man. By the strict wording, you must surrender regardless of whether it's repairable or not, but only if they tell you whether it's repairable or not. Bureaucrats.
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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

[M.C]

[Shaft]

[Rogerborg]

[Shaft]

[Rogerborg]

I was so busy rooting through my box-o-regs that I hadn't read that either. You're quite right and it's pretty significant. For the love of allah, nobody tell The Man.
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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

[Shaft]

[Rogerborg]

[andyscooter]

if dvla wont issue a new v5 surely it can go on the road but just means you cant sell it on

have you not still got a v5 in your name
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gilera runner vxr200 (chavped)
if its spelt wrong its my fat fingers and daft auto correct on my tablet

[trevoriv]

Apologies, dvsa. Some of us oldies forget and I'd presumed the vic procedure had been replaced by the dvsa with a modern equivalent, it's been a while since I mixed with motor insurance engineers so I'm very rusty (no pun intended).
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Past: '96 Thundercat, '02 ZX636R (A1P), '58 KTM 690 SM LC4 Current: '06 ZX636R (C6F)
Mudskipper wrote: Someone just has to sig that...

[M.C]

[Pete.]

Well, as if by some special magic, today it's showing a Cat B marker, so I guess that takes care of that

Gonna hang on to it for a bit see if a blown up one comes along but probably I will just harvest what spares I can use off it for my other bike and sell the rest.
____________________
a.k.a 'Geri'

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

[M.C]

Unlucky. Out of interest how many days was that?