I’d write the extra bits off and just put down to experience rather than raise it simply to reduce/remove risk of squirming out of a claim Just like when selling a bike, extras really don’t add much in the way of price but they do make the product more attractive to buyers over those that don’t have them. Get a price for salvage tho, as may be worth it if you think bike isn’t that bad and is just bolt bits on fixable: if you are happy to ride again it’s a cheap way to get a bike you can run until it expires
BTW I’ve never had an issue insuring my pani which is a cat n/d bike. I just adjust the value accordingly
I do get that for performance parts like an exhaust. Not so sure in the case of something like a comfort seat or a plug in and play alarm though. Except mine has been assessed as Cat B... According to MCN - "Category B write-off – These vehicles cannot return to road but some of their spare parts may be salvaged and sold for spares if they’re in the right condition. The bike itself must be destroyed, though." The assessors were doubtful if the insurers would consider selling the salvage on a Cat B, maybe it's a liability issue? Not really keen in buying the salvage, that was a means to get the parts back and then sell the remainder on to @Hugo Magnus.
I would agree that parts like an alarm and seat are not ‘performance’ parts and wouldn’t need additional cover. But I also think that you should be given the opportunity to remove them as they aren’t going to pay you anything extra for them.
In which case take money and run, don’t go near salvage, they shouldn’t sell to you anyway as afaik you need to be licences breaker to buy b
The assessing engineer inferred pretty well the same thing, though said it was up to the insurance company. You're probably correct on that. Waiting for the formal offer from insurers next week. The one I had was from the engineers assesment of value.
You can use it as part of the negotiations on the price, say you’ll accept the offer on the provision that you can remove/replace certain parts that you will agree with them.
Hello. My touring bike, not Ducati, was declared a Cat B Total Loss after I was knocked off it in Yorkshire by a foreign driver with a non-UK licence, the driver was subsequently prosecuted and found guilty of driving without due care and attention. After the accident the damaged bike was eventually recovered to my home, as my property. My solicitors had the bike inspected by approved accident assessors, and as said it was declared a Cat B write-off. The assessors provided a value for the bike in pre-accident condition, which was about right, and a separate value for the salvage. Apparently, there are rules that apply to disposal of category B vehicle salvage, and this remains under discussion as part of the settlement. I hope you make a full and speedy recovery, and the links below may provide background information that is useful; assuming you have not already considered it. Good luck. Tom. https://www.gov.uk/scrapped-and-written-off-vehicles/insurance-writeoffs https://motorclaimguru.co.uk/advice-on-retaining-the-salvage-of-your-vehicle-after-a-motor-claim https://www.abi.org.uk/products-and...insurance/written-off-or-total-loss-vehicles/ https://www.gov.uk/government/publi...epaired-written-off-vehicles-a-consumer-guide https://www.carveto.co.uk/write-off-categories/cat-b/ https://www.copart.co.uk/content/uk/en/support/how-to-buy/buying-cat-b-s https://www.financial-ombudsman.org...motor-insurance/vehicle-valuations-write-offs
Thanks for all that information. Looks like a complex and obligation laden process taking on a Cat B bike, even if the insurance company were to allow it, the assessing engineer I spoke too seemed to think it was unlikely. Have yet to hear from Aviva since it was declared a write-off last week. Have the feeling that I'm going to have to let it go.
I agree they are going to make it difficult. Someone is going to profit at your expense. I would not blame you for walking away from the hassle. My cantankerous nature would mean that I did everything possible to reclaim my property. Had you not involved the insurance company (which wouldn't make much sense) the wreckage would still belong to you to dispose of as you so desired.
Charlie, For information, because of the circumstances of my case, I elected to let solicitors of my choosing handle the matter, and while it gave me more direct control, it cannot avoid the rules that govern damaged salvage. Once the other side had admitted full liability, "only" the terms of the settlement remained. The at-fault drivers insurers are based outside UK, but have the necessary representatives registered with MIB. Disposal of the damaged salvage is unresolved, and may involve handling cost by an appropriate licensed breaker at an Authorised Treatment Facility. I believe it is possible to engage breakers to act on behalf of unlicensed persons, or possibly have the salvage reassessed, but only if those with the rights to the salvage agree. If that involves an insurance company that has acquired the rights to the salvage by settling a claim and taking over the V5c, they may be unwilling to allow this as you have said in your case. Good luck and best wishes. Tom.
Have now been offered a reasonable amount by Aviva in settlement and surprisingly the salvage of the bike, for 10% of the settlement amount, delivered to my address. I've accepted this, will see how this pans out in the coming days.
10% for the salvage seems a pretty good deal. At least you can get all your goodies off and then sell off any undamaged parts as well (if you are happy to strip it). And you have a spare engine!
Even better, I'm stripping off the accessories I need for a replacement 1260 and then @Hugo Magnus of this parish is buying the bike. He's paying the 10% but that's good value for him for what he's getting to rejuvenate his high mileage 1260. Even better still I have Excess Protection on my policy, no idea why I opted for that but it's there and I'm grateful now. Excess is £600, this cover pays for £500 of that.
Bike came home this morning as scheduled. Man in a van delivered it. Damage as per the photo from the scene. It cartwheeled end over end so it's a bit beaten up. As a catB it's not allowed back on the road. Everything that was gathered at the scene made it back, there were a few detached pieces. Was fearing that those would go missing in transit so relieved. A few more smaller parts are decorating the side of the road in France... I'm stripping off accessories I added, replacing then with the OEM bits that I've retained, and then Hugo Magnus is collecting her as a parts donor for his high mileage 1260. Insurance settlement landed in my bank account this morning too. So I will be embarking on the 'deeply unpopular with my girlfriend' mission of a new 1260 Mutley search over the next week or three. My 996 riding best mate suggested that I use the engine and make some sort of wild project, appealing though that sounds like it would take huge amounts of time that I'd rather being doing other things.
