Insurance and write off's

Are their any bike insurance experts on here who could answer my question.

If a bike which has previously been written off as a category D (cosmetic damage only), then someone came along............. Well me, and the damage was then repaired, the bike is now back on the road and has been for the last 10 months. Now when i got the bike i informed Ebike of a change of bike, a mid term policy change. Insurance now due, a thought popped into my head (doesn't happen very often), if i was to crash the bike, would Ebike pay out as the bike has already been previously written off? So why don't you contact them and find out? I did.....three times, two emails with no reply, so i phoned them yesterday and asked the question, oh i don't know, never been asked that one before???!! I'll ask our policy expert Put on hold, very annoying music Then she comes back, yes you would need an MOT certificate and written confirmation from the garage that the bike is road worthy. Yes but the bike is only 2 years old and doesn't need an MOT yet. Oh she says, hang on one moment (more annoying music) Our expert says that you need a valid MOT certificate to put the bike back on the road. Well your "expert" is wrong For a car yes, a motor powered bicycle no, the bike has been looked over by a Triumph dealer and passed fit for the road. Her reply, we still need an MOT certificate and written confirmation from the Garage ( anyone ever see Monsters Inc/ She sounded just like the big fat woman monster who was in charge). OK says me i'll try somewhere else. Anyone else have any experience of insuring a bike that has been written off? Can you claim for third party only or can i go for fully comp?


spudnuts.

[Stu]

You should have no problem claiming full value for a written off bike.
Cat D needs no certificate of roadworthiness or MOT IMHO
Cat C does need inspecting by DVLA? before you get the V5 back so should have no issue with ins. co.
Cat A & B Should not be put back on the road.

Do i need to declare it as a previously written off bike to insurance company though?

spudnuts.

Originally Posted by Stu

...Cat C does need inspecting by DVLA? before you get the V5 back so should have no issue with ins. co.

Only for Cars do you need a VIC check,

The VIC check looks over it and confirms roadworthiness.

Bikes don't need this - just apply for the logbook and get a normal MOT (Not sure what happens when the bike is less then 3 years old)

I've got a cat C 04 plate SVS, am going to get an MOT just for the sake of it. only £27, why not?

Originally Posted by Ter

Bikes don't need this - just apply for the logbook and get a normal MOT (Not sure what happens when the bike is less then 3 years old)

Personally, I'd imagine that the bike would need to be MOT'd after a Cat C write off regardless of age.

Afterall, MOT is proof of road-worthyness*.

*at the time the MOT is performed only.

[Stu]

OK thanks didnt know about that for bikes. Are you sure you weren't just "lucky". Oh, & I thought a VIC was only to check the bike's not a ringer - won't like to rely on it to assure me that the bike was roadworthy. MOT better at doing that.

As for declaring to insurance - any non disclosure of a material fact could void the insurance (std term of ins.) so you choose - should NOT adversely affect you so why not?

FYI,




In more detail:

Category A - May not be resold. Entire motorcycle must be crushed. Total burnout or flood damage (salt or foul water). Severely damaged with no serviceable parts, or already stripped out shell. DVLA require "Notification of Destruction".
Category B - Motorcycle itself may not be resold. Damaged beyond economical repair, usually with severe structural/frame damage. DVLA require "Notification of Destruction". Parts can be removed and sold.
Category C - Repairable salvage. Usually applies to motorcycles with significant frame damage, where cost of repairs exceeds book value. Can be sold complete to Motorcycle Trade or Public. Recorded as "Category C" at DVLA. Category C vehicles' V5 documents are returned to DVLA. You re-apply, to DVLA or at your local VRO, for registration on the original identity once you have fixed it up, MOTed it and want to Tax it. Re-registration removes the Category C classification, but evidence it was at one time Category C remains on the vehicle's record at DVLA (and HPI and AA and the others).
There is a difference between cars (and presumably vans, lorries, caravanettes..) and bikes when re-registering. Motorcycles do not need a VIC inspection, cars do. Cars (and vans...) sold for repair but must now have VIC inspection before returning to the road.
VIC inspection - Straight from VOSA's web site "[The VIC] will involve comparing the vehicle presented against information held by DVLA, such as the vehicle identification number, make, model, colour and engine number. The VIC will also compare the record of previous accident damage with evidence of damage repair as well as checking other components to confirm the age and identity of the vehicle."
Officially, the VIC does not check roadworthiness. If any significant defects are present, they can prevent it being used, but it is not a check of vehicle condition or roadworthiness. VIC tets centres in major towns, list on VOSA's site. It costs £35 (early 2005).
Motorcycles do not need this VIC inspection. (Lets not get into whether this is a good or bad thing - you probably have a view somewhere between 'one less hoop to jump through' and 'so do they not care about stolen bikes being rung !'). Whatever, bikes do not need a VIC inspection.
It used to be unclear, but VOSA have recently (late 2005) re-written some of the pages on their web site. Some of their pages still say 'all vehicles', but some pages now say 'cars need....'. From 2 sources, we now have clear evidence of people being told, one in writing, that "Motorcycles do not come under the Vehicle Identity Check Scheme therefore your vehicle will not require one.".
Having said that, when you go to insure it, the Insurance Company will obviously know it was Category C, and may insist on an Engineer's Report on the quality of repairs and the roadworthiness of the vehicle. Some do, some don't.
Category D - Repairable salvage. Minimal damage, probably not structural, but insurer does not want to repair, even though it might be economic to do so. Often stolen and recovered after claim has been paid. Or for unusual models or grey imports where the difficulty of obtaining new parts hinders a quick repair. Does not need VIC inspection to return to road. Recorded with HPI, AA, and the like.
Category Theft - Reported stolen, and the insurance company has paid out, but nobody has found the bike yet. (Once it is found and taken to a salvage yard, it probably becomes Category D(or ABC...))
Category F - Damaged by fire. Should be repairable. If not safely repairable, it should be called Category A or B.
Category X - Insurance-speak for 'Not Recorded', but subject to some claim and sold on by them as repairable salvage. Not recorded on registers at HPI, AA, .. or known at DVLA. Very light damage, or vehicle is fairly new. Requires minimal repair work.
"not recorded" - Not an official category, this is what you may see in a private advert. Usually means the owner only had third party insurance and they stuffed it themselves, so can't claim for it. Naturally, they aren't telling their insurance company - and they haven't told DVLA, so it is not Recorded with them, or HPI et al. Might be a total wreck, might be fixable. Buying something like this, you are on your own, and you'd better know what you are doing mechanically.

[Stu]

Originally Posted by Ter

The VIC check looks over it and confirms roadworthiness.

Thanks for that Ter - so you've proved yourself wrong
VIC confirms Identity (but not relevant to bikes anyway)

Sounds like an MOT would be a better option than if anyone asked for an engineers report