Schoolboy error... insurance write off!
Discussion
Not sure where the best place for this is, biker banter, S,P & the law.. anyway please move if better suited elsewhere.
Bought a bike in 2022, all looked good to me, 1st owner, stack of receipts and history, v5c all there and genuine reason for sale, shiny new bike parked next to it.
I thought I had run some kind of check but I cant see any evidence so in the heat of the moment I may have forgotten... oops.
Fast forward to this weekend, attempting to part ex against another bike, HPI showing CAT B write off in 2020.
Absolutely speechless, how on earth can that be right, CAT B.. 'cannot be returned to the road', doesn't make sense. Have put hundreds of miles on it myself not to mention had it apart and seen no evidence of damage.
Must be a mistake.. maybe.. but then a closer look at the history, MOT and service both missing for 2020 (maybe just you know the global pandemic..).
Surprised it hasn't been mentioned on the v5c issued to me in 2022 or by the insurers that have covered me for the last 2 years, I have been oblivious!
If it is a mistake how can I go about proving and correcting it? Assuming its not a mistake.. can I even sell it as a road going bike or is it now spares/track use?
Bought a bike in 2022, all looked good to me, 1st owner, stack of receipts and history, v5c all there and genuine reason for sale, shiny new bike parked next to it.
I thought I had run some kind of check but I cant see any evidence so in the heat of the moment I may have forgotten... oops.
Fast forward to this weekend, attempting to part ex against another bike, HPI showing CAT B write off in 2020.
Absolutely speechless, how on earth can that be right, CAT B.. 'cannot be returned to the road', doesn't make sense. Have put hundreds of miles on it myself not to mention had it apart and seen no evidence of damage.
Must be a mistake.. maybe.. but then a closer look at the history, MOT and service both missing for 2020 (maybe just you know the global pandemic..).
Surprised it hasn't been mentioned on the v5c issued to me in 2022 or by the insurers that have covered me for the last 2 years, I have been oblivious!
If it is a mistake how can I go about proving and correcting it? Assuming its not a mistake.. can I even sell it as a road going bike or is it now spares/track use?
Edited by Adam_W on Monday 19th August 00:59
You are getting confused with Cat A, they must be crushed and cannot be returned to the road. Cat B can be repaired.
It does not take much for a bike to be Cat B, fairing and wheel damage is all it takes. I have bought many Cat B from auctions, unless the chassis is bent they are usually fine.
It does not take much for a bike to be Cat B, fairing and wheel damage is all it takes. I have bought many Cat B from auctions, unless the chassis is bent they are usually fine.
nismocat said:
You are getting confused with Cat A, they must be crushed and cannot be returned to the road. Cat B can be repaired.
It does not take much for a bike to be Cat B, fairing and wheel damage is all it takes. I have bought many Cat B from auctions, unless the chassis is bent they are usually fine.
Interesting, I always thought that Cat B should not be returned to the road but parts could be salvaged. It does not take much for a bike to be Cat B, fairing and wheel damage is all it takes. I have bought many Cat B from auctions, unless the chassis is bent they are usually fine.
nismocat said:
You are getting confused with Cat A, they must be crushed and cannot be returned to the road. Cat B can be repaired.
Don't wish to pile on but, do you have any source to back that up? Since both the HPI report and RAC vehicle check report I have both say the shell should have been crushed and also https://www.gov.uk/scrapped-and-written-off-vehicl... states it should be crushed and only parts used.s p a c e m a n said:
Anything coming up with a Google image search of the numberplate?
no nothing at all, I ran one of the reports (I'll not name the company) that allegedly can display more damage images and details, it actually comes back stating no damage and doesn't even report the insurance write off status.Have you seen the full HPi report?
Cherished ref numbers can throw up errors as well as data errors. You need to check it is recorded as a total loss on VRM and VIN along with the date it was entered. You may also contact the insurer that put the bike on the register to confirm the information is correct.
In regards the V5, you can keep taxing a Cat B vehicle if it’s in your name, tricky part is when you try to change keeper as a new V5 gets declined so I am surprised a V5 was issued if DVLA had been notified.
Cherished ref numbers can throw up errors as well as data errors. You need to check it is recorded as a total loss on VRM and VIN along with the date it was entered. You may also contact the insurer that put the bike on the register to confirm the information is correct.
In regards the V5, you can keep taxing a Cat B vehicle if it’s in your name, tricky part is when you try to change keeper as a new V5 gets declined so I am surprised a V5 was issued if DVLA had been notified.
Auto810graphy said:
Have you seen the full HPi report?
I'm not sure how I can get a full report. I ran the consumer HPI check from their site and got a report that appears to be rather high level. Do you need to be in the trade to see a more detailed version? I cant seem to locate any way of getting that.Auto810graphy said:
In regards the V5, you can keep taxing a Cat B vehicle if it’s in your name, tricky part is when you try to change keeper as a new V5 gets declined so I am surprised a V5 was issued if DVLA had been notified.
From what I have read I don't believe I should have been issued a new v5c for it if it was recorded CAT B at the time I bought it, the new keeper slip I was given was printed on the date of first registration so was the original v5cI had an issue a few years back with a car i bought new, kept for 4 years and then went to trade in at the same dealer i bought it from and who had mainitained it throughout
Got a call saying they couldnt take it as a px as it was a Cat B write off!!
Now i knew catagorically the car had never had any bodywork damage, let alone been in a serious accident .. yet here was a HPI report saying it had
Long story short, the marker was removed after some digging and it turned out to be someone inputting the wrong reg number into a computer which then recorded my car as a total loss and not the correcf vehicle
Got a call saying they couldnt take it as a px as it was a Cat B write off!!
Now i knew catagorically the car had never had any bodywork damage, let alone been in a serious accident .. yet here was a HPI report saying it had
Long story short, the marker was removed after some digging and it turned out to be someone inputting the wrong reg number into a computer which then recorded my car as a total loss and not the correcf vehicle
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