motorcycle insurance definitions for accident damaged motorbikes.

Insurance Class's and definitions for each class.

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The categories are as follows:

• Category A. The vehicles under this category are extensively damaged vehicles such as those destroyed by fire, with no salvageable parts and vehicles which can never be re-registered to return to the road.

• Category B. Category B vehicles are vehicles which are extensively damaged but which do have some parts with value, these vehicles can also never be re-registered and returned to road use, or vehicles which require a complete new body shell.

• Category C. Category C vehicles are vehicles where the repair cost exceeds the value of the vehicle, however the extent of the damage is such that the vehicle can be repaired by the use of recycled parts or by using other cost saving measures. With a category C vehicle the buyer needs to apply to the DVLA for a Vehicle Registration Document (VRD) what used to be called a ‘Log Book’

• Category D. Vehicles which fall within D category are vehicles where the cost of repair is less than the value of the vehicle, however for a number of reasons it may not be economically viable to repair the vehicle. This could be for a number of reasons:

• Category X / W. Vehicles not recorded on VCAR

1. Vehicles replaced under ‘new for old’ schemes (often at 50% damage) these vehicles are treated as not economical to repair, when repair costs reach half the value of the vehicle.

2. Vehicles which could have been repaired but due to car hire costs the insurer has decided to deal with the claim as beyond economical repair.

3. Vehicles which an insurer has decided to deal with as beyond economical repair so as to avoid a diminution in value claim following repair.

4. Vehicles where the value of the salvage is such that the insurers feel it more appropriate to deal with a claim as a ‘constructive total loss’.

5. Occasionally an insurer will have a client who for a number of reasons is simply refusing to have the vehicle repaired and the insurer will attempt to obtain sufficient for the salvage so as to ‘bridge the gap’ between the value of the vehicle and the repair cost.

With a category D vehicle, the salvage dealer should supply a copy of the Vehicle Registration Document (Log Book).

NROV: (Not Recorded On VCAR) Vehicles in this category are clear on the Hire Purchase Investigation (HPI) at the time of enquiry. Although these may well be third party insurance and may never be registered, Gloucester Bike Specialist cannot guarantee that vehicles in this category will never appear on any alert register

We buy all, Accident Damaged Motorcycles, Runners and Non Runners, MOT Failures, Top money given. For a quotation please contact us!!!!

Gloucester Bike Specialist LTD

home of motorcycle salvage, parts and bike sales

Tel: 01452 525437

Fax: 01452 525437

Registered In England: Gloucester Bike Specialist LTD

Stonegate Works

Sudmeadow Road

Gloucester

GL2 5HG

Company Number: 07218903

VAT Number: 985722476

affiliated websites: www.gloucesterbikespecialist.co.uk www.ukmotorbikesalvage.co.uk www.bikebreaking.co.uk www.salvagemotorbikes.co.ukwww.motorbikebreaking.co.uk www.motorbikesolutions.co.uk

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Had an Accident, Then please click here for our Accident Management Page.

Tel: 01452 525437 sales@ukmotorbikesalvage.co.uk

Motorcycle Salvage Dealers and Motorbike Breakers