Skip to content

Ask an Expert wright off help please Legal

You are in... Forums > Ask an Expert > Legal > wright off help please

Got something to say?

Got something to say?

Go to most recent reply

cal13184

Joined:

Jul 09

Posts: 2

cal13184 says:

wright off help please

Hi all got a little problem with my bike and wondering if any 1 can help.
Back in Jan 09 I bought a Bandit 600 1998 it was a cat c repaired, the guy stated this in his ad and when I seen the bike all looked ok. Any way I have recently put the bike up for sale and for some reason I done a vehicle check witch came up with the following

Colour changes There is no record of this registration being subject to a colour change.

Plate Transfer There is no record of this registration being involved in a plate transfer.

Scrapped There is no record of this registration being scrapped.

Exported There is no record of this registration being exported.

Stolen There is no record of this registration being stolen. Stolen & Recovered There is no record of this registration being stolen & recovered.

Insurance Write-off
This registration was recorded as a

Category C write-off on 12 Oct 2008.
This registration was recorded as a

Category B write-off on 16 Apr 2005.

Vehicle I.D. Check There is no record of this registration being subject to a Vehicle Identity Check.

As you can see it was a cat b in 05 and a cat c in 08 how is this possible??? I was under the understanding that cat B's could not go back on the road. But this bike has and its passed M.O.TS 1 of witch was last month I have tax and I have insurance.

Basically can I sell the bike or not is it really a cat c or should it be in the scrap heap in the sky ? #

Any help would be grate

Thanks lads

Cal

Reply to this Topic  
  • Posted 6 years ago (26 July 2009 15:06)

Post a message in Legal

Fields marked with an asterisk * are required

   

Please note. You cannot submit more than 4000 characters as a message.

Upload image(s) from your computer (up to 3 images)

  1.  
  2.  
  3.  

Terms of use

Use of our community areas and forums is subject to important terms of use. By joining our community and using the features you agree to be bound by these terms. See terms of use below. 

Cancel
smoto5

Joined:

Mar 09

Posts: 4548

smoto5 says:

Don't remember the exact

requirements of each category, DVLA site may have details and Motor Insurers site definately should. Presuming nobody has mistakenly entered wrong details which you may have to check with insurers and Dvla, is it possible this bike was built up from spares, ie. frame with log book etc? Think you may have to do some detective work, and it may be worth getting an inspection report done to put a buyers mind at rest, presume as its done mots shouldn't be too much the matter, and you don't mention any handling peculiarities.

Reply to this Topic
mrh3369

Joined:

Jun 06

Posts: 303

mrh3369 says:

.

Insurance Write Off Categories (Insurance Total Loss)


When a vehicle is damaged beyond economical repair the vehicle is called an 'insurance write off' or an 'insurance total loss'. Some 1500 cars are written off daily in the UK but that doesn't mean that they are worthless. Even scrap metal has a value and the insurance write off category will determine what can be salvaged from the vehicle.

Write Off Categories

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

Reply to this Topic
smoto5

Joined:

Mar 09

Posts: 4548

smoto5 says:

You definetely

need to check this out with the insurance companies, as regards whether they consider the frame a reusable component, maybe another frame was used and registration kept, its a bit odd to say the least, how has insurance been issued if it was cat B? Maybe it can be used for trackdays or broken for spares to recoup your money?

Reply to this Topic
mvoced

Joined:

May 03

Posts: 21

mvoced says:

CAT A and B are legal to own.

An old thread I know but I am sure there are others who would benefit from my experience.

I made a simmilar mistake and assumed a declared writeoff I was buying would be a c or d. It turned out to be a Cat A!

I tracked down the insurance company and they insisted it was no mistake, but they also confirmed they had not actioned destruction, but declined to discuss this any further.

I also contacted the DVLA and VOSA, both were happy for the bike to be on the road and explained that they had no interest in the various categories of writoff that the insurance companies use and the bike had not been reported as a writeoff. I have 10 years worth of documents the DVLA had issued after the bike being written off!

 The general system they operate under is that they are advised by the insurer when a vehicle is written off, they then flag the registration details. In the case of a car it needs to be checked by VOSA for confirmation of it's identity prior to DVLA issuing any new documents, V5c, MOT, Tax disc etc. DVLA and VOSA do not have any interest at this point in wether it might be safe to go back on the road. The only safty check would be subsequent MOT tests as per any older vehicle. As far as I can tell insurers may see no need to report a motorcycle to the DVLA (perhaps they never do) as there is no VOSA check required to remove the write off flag on them. Or it may be that the DVLA do not flag them when they are advised by the insurers. as there is no system for VOSA to check the vehicle afterwards. Definitly a gap in the system somewhere...........   

It seems that the categories are guidelines for the insurers for dealing with the salvage vehicle, they have no binding effect on anyone else who subsequently deals with the vehicle.

For anyone who becomes the subsequent owner of a cat A or B the only issue is obtaining valid insurance, which if you declare it you can't!  

I can only speculate on how a cat A (or B) escapes into the open market. My suspicion is that some insurers do not always follow their own industry procedures.

What I do now know is that there are some bikes out there which have a history that means that they should not have returned to the road, but having done so are perfectly legal.  

Reply to this Topic

Page

Compare Insurance

Save money by comparing quotes. It's quick and easy

Motorcycles for sale

 

It's only £13.99 to advertise your motorcycle on MCN

Sell your Motorcycle

Motorcycle pricing tool

New! Find used bike prices