Cat B's with minimal damage

[BuzzBravado]

Looking at Cat N bikes from the likes of copart i'm trying to understand the logic in the categorizations. Here is a new NC750 with very little cosmetic damage from what i can see and it is a Cat B breaker only.

https://www.copart.co.uk/lot/37652478

Same with this Cat B GSXR.

https://www.copart.co.uk/lot/40001648

Again most likely just cosmetic on its side. But its a breaker only bike.


A Cat N, that looks well past saving:
https://www.copart.co.uk/lot/37615098

[Mr OCD]

Pictures don't tell the full story. My R1 is a good example - looked dreadful, yet was just plastics.

That GSXR however may have a snapped / broken engine mount under the fairing from where it went down on its side.

[Gavia]

It seems strange that insurers are categorising them as Cat B. An insurer will recoup a fixed percentage of the pre accident value from Copart based on what category it is, Cat N brings in the biggest percentage, Cat A the smallest (usually zero), the difference between a Cat S (effectively an old C) and a Cat B can be as much as 40% with the former generating up to 70%, the latter, as low as 30%.

It is in the insurers interests to classify as an N or S, rather than an A or B

My only thoughts after loooking at both of the Cat Bs is that the damage is nowhere near severe enough, so both could’ve been involved in fatalities, which insurers tend to auto classify as Cat Bs to prevent any potential comeback, or emotional impact on relatives if they see the bike on the road again.

There is also the aspect that insurer’s assessors tend to be car assessors, rather than bike and mistakes are often made. A few years ago BN got a Cat C R1 that needed a £30 bit of welding and all was good again.

[Bikesalot]

Gavia said:

so both could’ve been involved in fatalities, which insurers tend to auto classify as Cat Bs to prevent any potential comeback, or emotional impact on relatives if they see the bike on the road again.

Didn't know that!