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Showing results for tags 'insurance'.
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Hi all, I'm after some advice with getting a Cat C write off back on the road. It's a YBR 125 custom, first bike, bought second hand for about £1400. I had a *very* minor accident a few months back. Was parked on the road and a big SUV backed into the bike, knocking it into another bike. The damage to mine looked very minimal (dented the instrument panel I'd only recently replaced(!), a broken indicator light, some minor scratches). The other bike was a lot worse off, and when I found the bike neither driver was there so I reported it to my insurer and the police to cover my back... a week later the car driver got in touch, was unreservedly apologetic and said his third party insurance would cover all repairs. To cut a long story short, they took the bike off me, gave me a courtesy one and 3 weeks later sent it back saying they'd given it a cat C write-off, valued it as £500 salvage and gave me a cheque for a grand. I'm still not sure how good/bad that outcome is! There was some damage from a previous minor accident - no insurance involved that time, I had it checked out at a dealer and got a few things replaced but left the stuff that was purely cosmetic. The insurer didn't ask for any details of what was actually damaged this time so I imagine they just quoted for replacing everything with a minor scratch on it. I had to cancel the insurance as my insurer won't cover bikes with write offs. I then spent another 3 weeks trying to get the engineer's report to see what actually needs fixing, and eventually just got a sheet with absolutely no info apart from basically "body parts £1200... labour £400... definitely a write off"! Having cheked around with insurers and the DVLA, it seems that I don't actually have to get a VIC or even an MOT to be legal, but the insurers I found that would cover it again wanted an MOT and I want to make sure its roadworthy. I've driven it about a bit off road and it seems the same as it ever was. Bars and forks look straight. Should I take it to a garage and get another damage report? This will apparently be about £25, plus I'll have to pay £40-50 each way to get it to the garage and back since its not insured. Or should I just book it straight in for an MOT and take it from there? I'm also not sure when it comes to re-insuring it what I should put for the value of the bike. It is/was worth about £1500... do I stick with that or knock it down? Do I go as far down as the write off value? I just want to get the damn thing back on the road! Cheers for the advice in advance.