F2 ypvs

[she169y]

Just been looking at a nice 89 f2ypvs,looks mint but it comes up a a total insurance loss in 1994.
What do you think? should I leave well alone and would it be insurable?

[higgsy]

Nearly twenty years ago mate, I wouldn't worry, my ZX9 is a cat C write off, I've declared it and insurance has never been a problem. The only issue would be if it's already been a write off an insurance company might view it differently value wise

[ogri211]

Did the guy tell you that it had been an insurance right off or did you discover it yourself, I always look as closly at the person selling you the bike as the bike if someone is trying to hide that from you what else are they hiding.

[shaunthe2nd]

I'm not sure when it came about, but you need to look at the category of insurance write off.
If its showing as cat A or B legally you cannot put it back on the road.
Cat C or D are both ok though as they indicate cosmetic repairable damage and can go back on road after repairs and MOT.
Fingers crossed for you.

[she169y]

Nov 11, 2013 20:22:30 GMT 1 shaunthe2nd said:

I'm not sure when it came about, but you need to look at the category of insurance write off.
If its showing as cat A or B legally you cannot put it back on the road.
Cat C or D are both ok though as they indicate cosmetic repairable damage and can go back on road after repairs and MOT.
Fingers crossed for you.

Surely,if it's been registered on the road since 94 it must be legal,or no?

The guy didn't proffer the info,I found out.

[she169y]

this it was it says on the rac report.doesn't mention whether it is a cat c or d
Condition alert VRM recorded by insurers as a 'total loss'
Condition inspected VRM not recorded as a repaired insurance 'total loss'

[shaunthe2nd]

Nov 11, 2013 20:31:23 GMT 1 she169y said:

Nov 11, 2013 20:22:30 GMT 1 shaunthe2nd said:

I'm not sure when it came about, but you need to look at the category of insurance write off.
If its showing as cat A or B legally you cannot put it back on the road.
Cat C or D are both ok though as they indicate cosmetic repairable damage and can go back on road after repairs and MOT.
Fingers crossed for you.

Surely,if it's been registered on the road since 94 it must be legal,or no?

The guy didn't proffer the info,I found out.

Do a quick hpi check on it, text the reg number to 78888 and you will get a text back by return with status.

It usually tells you the cat insurance write off amongst other things.

I think it only costs a few quid per text and is immediate.

[shaunthe2nd]

Insurance write-off categories
In the UK well over 500,000 vehicles are deemed a total loss or write off by insurance companies every year. Many of these however can be safely repaired but many can end up being returned to the road in dangerous condition. The insurance loss categories are listed below and explain how they are indicated on a vehicle data check. If you have doubts or to be absolutely certain that a vehicle is in a good roadworthy condition, it may be worth considering having a vehicle inspection done by the AA or RAC or one of the other accredited providers. I will look into inspections and perhaps add a inspection compare link in the future.

Insurance Loss Categories - Quick reference
* Category A - Must be crushed. All of it.
* Category B - Vehicle may not be returned to road but parts may be sold.
* Category C - Repairable. Significant damage. Cost of the repair is more than book value of vehicle at dealer rates.
* Category D - Repairable. Probably non-structural damage. May have been economic to repair, but insurer doesn't want to.
* Category X - Repairable. Minor Damage

Insurance Loss Categories - In detail
Category AThe vehicle may not be resold it must be crushed. Severely damaged, total burnout or flood damage with no serviceable parts, or already a stripped out shell. DVLA will require a Notification of Destruction.
Category B The vehicle may not be resold. It will have been damaged beyond economical repair, usually with major structural damage. The DVLA will require Notification of Destruction but parts can be removed and sold on.
Category C Repairable salvage. Usually applies to vehicles with significant damage and where the cost of repairs exceeds the book value. It can be sold for repair but must have VIC(Vehicle Identity Check) inspection before returning to the road. V5 documents are returned to DVLA and recorded as category C vehicles. You can re-apply for registration on the original identity once the VIC inspection has been done. VIC inspection and re-registration removes the Category C classification, but evidence it was at one time Category C remains on the vehicle's record at the DVLA and so will appear on a vehicle data check.
What is a Vehicle Identity Check and how does it work?(taken from the VOSA's site) The Vehicle Identity Check (VIC) has been introduced to help reduce car crime. It is intended to deter criminals from disguising stolen cars with the identity of written off ones. When an insurance company ‘writes off’ a car, (Category A, B or C) they notify DVLA and a VIC marker is placed on the DVLA record. DVLA will not issue a Registration Certificate (V5C) or a Vehicle Licence Reminder (V11) to a car with a VIC marker against it. In order to remove the VIC marker the car needs to be inspected by VOSA to confirm its identity. When the car passes the VIC, the marker is removed. The VIC will be carried out by VOSA. It will involve comparing the car 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 car.
Will the VIC confirm that the vehicle is roadworthy? No. The VIC is designed to confirm the identity of the car and does not assess the quality of the repair. You should seek independent expert opinion as to whether the car is roadworthy. If whilst carrying out the check the inspector notices a serious defect which would make the car dangerous to drive, then they will issue a notice which prohibits the car being used. Once it has been made roadworthy the prohibition can be removed.
Note: I understand motorbikes falling into this category do not have to undergo a VIC inspection so will warrant close investigation and clarification of identity.
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 it maybe a vehicle where parts are difficult to obtain so a quick repair is unlikely. Does not need VIC inspection to return to road. Notification will appear in your vehicle history check
Category X has been the subject of a claim but minor or very lightly damaged and required minimal repair work. It would not be recorded with the DVLA so would not appear in any Vehicle Data Check
not recorded - Not an official category, it simply means that there has not been an insurance claim, possibly only had third party insurance and damaged the vehicle themselves or don't know who caused the damaged so can not make a claim or may not even been insured, either way the DVLA will not know in these cases so will not be recorded and will not show on any Vehicle History Check

[she169y]

It appears that the cat a-d rating only came into force after 97, so i'm still a bit stumped?

[ogri211]

Depends on the price

[shaunthe2nd]

Nov 11, 2013 20:42:31 GMT 1 she169y said:

It appears that the cat a-d rating only came into force after 97, so i'm still a bit stumped?

If you can't find anything on web (I had a quick look for you) then its worth a general phone call to the dvla office. i wouldn't mention a specific bike if I was you though, or alternatively your insurer may be able to advise.

Good luck! shaun

[she169y]

I ended up missing out on the bike. Thanks to all for your input.
The search goes on !!!