got hit & run, not a potato, what do?

[Itchy]

[Rogerborg]

I rather suspect that the assessment goes thusly:

Is it an old bike? YES
Does the company I work for want to retain it and flip it for profit? NO
Do they want to end up paying out for it again? NO
Fvck it then, "non repairable". Corrvpt svcm, and so on.
____________________
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]

[Tierbirdy]

Its a 2003 FZS600 Fazer. 32k on the clock. I paid £1700 for it, obviously whilst it would be nice to get that much back for it I know I probably wont, but if I could at least get something reasonable like £12-1500 so I can actually buy a replacement bike that would be nice.

Theres literally a single FZS600 being sold on eBay for £900 "spares/repairs", the rest are all around the £1200 with a few even asking the ridiculous price of £2k+

Ive had a chat with my claims company, theyve said theyll argue for more money if I send them proof the bike is worth more, adverts showing that etc. So of course it would be VERY NAUGHTY if I got a few friends to start making free Gumtree ads for similar age. mileage and condition Fazers... and I absolutely wouldnt even consider doing that.

As for pics of mine,

https://i.imgur.com/U1QP7Xp.png
https://i.imgur.com/N0eQ9o9.jpg


Thats pretty much the main damage, exhaust took the brunt of it and acted as a crumple zone. Other damage includes the obligatory bent handlebars, and the mounting brackets for the front fairing are so bent that you cant turn the handlebars full lock.

So all things considered, not actually THAT much damage, too much for an insurance company to bother wanting to deal with, but certainly not a cat B write off.

Ive taken the front fairing off and put some new Renthal bars on it, it rides perfectly fine, no wonky frame or forks or anything. My plan is to just turn it into a naked, put a nice single round HID headlight on it rather than the godawful Fazer stock headlights anyway.

[M.C]

Definitely argue over the value, £950's a joke for a Fazer. The damage might be more difficult, I had two engineers come and view my bike (from each side), I don't know how much they would charge and if an independent inspection would even be allowed.

Your bike's basically worthless now, it'll have to be broken/track bike if you sell it on Only good thing might be avoiding the inflated prices they've started charging for salvage in some instances, so if it was a Cat' C/D they could want a lot for it (a bike like that shouldn't be more than a couple hundred).

Edit: you should be able to get a copy of the engineers report.

[Tierbirdy]

TBH Im not overly fussed about cat B/C/whatever as I doubt Ill be selling the bike anyway, I'm overly attached to it and dont want to part with it. Plus it would make an ideal backup/daily hack around London that wont matter when it gets caked in winter road salt, or inevitably gets SMIDSY'd again or stolen by #BAKLAFF. Unless of course it being considered a Cat B means I cant insure it or something like that, which would make it a major pain in the ass. Im not really sure how all this works, never been through this before and hopefully never again.

Maybe Im just being greedy, I want to keep my Fazer but I also want to use this as an opportunity to buy a new bike too... I quite fancy a shiny new FZ1.

They haven't shown me the engineers report, the chap who came round was supposedly an independent one, not one from Elephant/Admiral, or my claims people, forgot the name of the company. Not sure if paying for a 2nd opinion out of my own pocket would be of any benefit, or if ID just be better off showing them the other Fazers on eBay/Biketrader/Gumtree etc that are going for double what theyve said its worth.

I got a letter from Elephant today as well, saying theyre going to pay me £950 "without predjudice" which according to google is legal mumbo jumbo for "we're gonna pay you out, but we're not admitting liability". But surely if theyre paying me out... theyre admitting liability? Why would they pay me if they thought they werent liable?

[Rogerborg]

[Tierbirdy]

[M.C]

[M.C]

Another option if you feel adventurous:
https://www.ebay.co.uk/itm/YAMAHA-FAZER-FZS-600-1999-MODEL-MAIN-FRAME-WITH-V5c-LOG-BOOK-/232284808075?hash=item361540e38b:g:H1UAAOSwB-1Y2Ttu

[Wonko The Sane]

Is it possible to argue the cat B status,

when I got knocked off the ZZR the amount of fairing / exhaust damage would have made it a cat D or C due to cost, I told the other chap's insurance when they said it was the value of the bike to repair it that I knew I could get the panels off e-bay and repair it for less.

got the bike's value and it wasn't written off, fixed it myself.

Clearly if slapping a new set of bars on it makes it ridable then it's not a Cat B - could you fix it for £900?

Might be worth putting to them that you don't agree that it's a write off, you're aware a dealer repair would be more than the bike's value but the money offered would cover a second hand fairing from e-bay that you can fit yourself, however, you would need the bike to not be classed as a write off.

To write off the bike requires you to find a bike in the same / similar MECHANICAL condition to be reliable, to do this to avoid absence from work would require purchasing from a dealer for that mechanical back up and warranty a dealer would provide, but unfortunately higher prices.

Of course, the above is complete bollocks, but might make them re-consider the writing off aspect or put up more cash.

how long have you had it?
Still got the invoice?
If it's only about a year I'd be arguing that, yes, you've had some fair use, but it's a mechanically sound bike that has been reliable and vital to you getting to work and that their low offer would result in you chancing it on something that's in worse mechanical condition.
____________________
Looking to pass your CBT / Bike tests in Bury Lancashire? try www.focusridertraining.co.uk Would recommend.
They're also on Facebook https://www.facebook.com/pages/Focus-Rider-Training/196832923734251

[Fizzoid]

I'd like to know why it's been declared a Cat B, and not a Cat C

https://www.thebikeinsurer.co.uk/motorbike-insurance-guides/insurance-for-motorbike-write-offs/
____________________
Rogerborg wrote: It'd certainly make it easier to ego-find my own posts on pages, given the number of fags (gay like traps) who insist on putting my name in their .sig

[Rogerborg]

I wouldn't put too much credence in an article that's chock full of insurance cartel lies. There has never been any statutory or regulatory requirement to destroy A/B vehicles, or a prohibition on selling them, or on putting them back on the road, or even any (statutory/regulatory) acknowledgement of A/B/C/D as a real status.

There was and is an industry code of conduct, but it is just that: a code for their conduct. It's not binding on anyone else.

What matters is the non-repairable status, which should mean what it says, and not "don't want to pay out on that bike again". The only thing that it actually means is that DVLA won't issue a V5C, and I'd feel free to challenge their grounds for that as well.

We give far too much credence to these imaginary diktats.
____________________
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]

[Pie-Roe]

As I say in all these threads, my X11 was a cat B, sold it to Dumbarse in the usual fashion, he got a V5 and insured and rode it for a while.
I believe it was with the insurer it was written off with as well.

You will get shafted, regardless of what people say on here, what your solicitor says. If you end up better off money wise and emotional wise than you were before then good for you, but I've been through claims of various severity, of sprains and bruises to career changing injuries, and either way everyone wants to screw you in whatever way they can.
____________________
Previous: GSF600, FZR600 x2, ZXR750, XT600 Tenere, CB125, CZ125, ETZ 250, ER5, CCM R30, DRZ400, RF600x4, RF900x2, GS500, VTR1000F, 640 SMC, CB250 NIGHTHAWK, GT550x3, GPX750 TE610, CB500, X11x2, SV650, ZING 125, TL1000R,CB250 Superdream, CBR1100XX

[UncleFester]

My view on payouts / accidents / life ....

1. You are not potato and can still ride.
2. You have a bike you can still ride / sell.
3. You can also buy another bike ( and know to check for it being written off before buying) also, see point 1.

Life is too short to argue over the difference between £950 and £1300. If you've got all you can reasonably get with the effort you can reasonably be bothered to expend ... move on and chalk it down to experience.
____________________
Module 1 and 2 passed - October 2014. Happy owner of a 2017 Z1000SX, ex owner of a YBR125 / CB500 / VFR800.

[arry]

[Rogerborg]

[M.C]

[Tierbirdy]

[M.C]

Definitely fight for more money, then they might start learning what vehicles are actually worth. How much did you declare on the insurance BTW (sometimes they won't pay out more than that)?

[Tierbirdy]

£2k declared value, I think this is the first insurance policy Ive ever had where Ive actually been (almost) totally honest, so in the event of a claim they wouldnt find an excuse to not pay out

[Rogerborg]

[M.C]

[Tierbirdy]