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-   -   Revised insurance categories for damaged bikes. (http://www.100-biker.com/forums/showthread.php?t=51731)

HOS 11-12-2017 02:27 PM

Revised insurance categories for damaged bikes.
 
Came in this October 2017.
News to me, so I thought I'd post it up here seeing as many accident damaged bikes end up being modified and reborn :cool:
The only reason I learned this today is becasue I was looking at Cat N bike on ebay.

Here are some details of the new categories....
https://www.bikerandbike.co.uk/cat-b...ies-explained/

I struggle to find any details about how it effects bikes, only cars.

Tricky-Dicky 11-12-2017 02:36 PM

Having read that it makes me wonder just how insures get away with charging so much for custom built bikes, when its usually cheaper to buy custom parts than std.

HOS 11-12-2017 02:43 PM

Quote:

Originally Posted by Tricky-Dicky (Post 665635)
Having read that it makes me wonder just how insures get away with charging so much for custom built bikes, when its usually cheaper to buy custom parts than std.

I often wonder where do the insurance companies draw the line on customising?
How much do we have to inform them of if we are replacing with similar items.
As an example replacing footrests, mudguards, indicators, headlight, handlebars, exhaust system , seat, screen, handlebar grips.
I mean most of that I replace as standard anyway on any bike.
I always personalize my bikes.

Parts are cheap online, some parts in the UK are insane prices considering they are very simple parts, like brake and clutch levers or footrests.

Tricky-Dicky 11-12-2017 03:33 PM

I have always had custom bikes and cars, previously with cars its not so bad, but last your when i rebuilt the Trident they wanted all sorts of daft details, FFS what does it matter if the master cylinders or the handle bars are not original etc.

Tricky-Dicky 11-12-2017 03:37 PM

Mind you having said that, they might draw the line at these.;)

https://i.imgur.com/9zUXGwz.jpg

HOS 11-12-2017 04:02 PM

Yeah, hate that shade of yellow !

Friar Tuck 12-12-2017 05:16 AM

When it comes to bikes it isn't always easy to spot the structural damage i.e a bent frame until you get the bike back on the road and try to go around a corner and end un falling into a right or left hander, or trying to hang of the bloody thing to bring the bike into a corner because of the twisted effect. alot of these bike did/do come back onto the market and it isn't always easy to spot the twisted frame.

HOS 13-12-2017 10:24 AM

Quote:

Originally Posted by Friar Tuck (Post 665655)
When it comes to bikes it isn't always easy to spot the structural damage i.e a bent frame until you get the bike back on the road and try to go around a corner and end un falling into a right or left hander, or trying to hang of the bloody thing to bring the bike into a corner because of the twisted effect. alot of these bike did/do come back onto the market and it isn't always easy to spot the twisted frame.

Tis true Friar.

Sometimes the damage can easily be seen on modern bikes where the frame is showing like a large main dealer I visited in the last 10 years who had a very clean looking Triumph Speed triple for sale. I sat on it and thought yeah maybe....
Then the salesperson came over and chatted with me and the little lady. Turns out it was a cosmetic write off or so he says.
That kicked my head into sharp focus and I looked more seriously at the bike.
Even while sitting on it I can see its had a smack on the outside right hand corner of the twin frame tubes which has been repainted locally. Not even a decent attempt to mask it.
A damaged frame as a golden rule is a walk away sign.

But the old rules of "let the buyer beware" with used bikes or cars apply even more so to write offs. You really do need to know what to look for in write offs if you are going to consider buying one. Even at a main bike dealers.

Same happened to a mate in a major bike shop chain store in Birmingham which went bust years ago;) He was looking at a ZZR600 in blue and then when the salesman fetched the V5 for my mate to look at, the bike was a different colour on the logbook. Just walk awayyyyyy......


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