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Thread: Cat D insurance

  1. #1
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    Cat D insurance

    My FireBlade has the log book showing as Cat D
    Will I have issues getting insurance? Anyone with recent experience of this since the categories have now changed? TIA
    Yesterday I dared to struggle Today I dared to win

  2. #2
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    It’s a simple reclassification, a change of letter:

    https://www.admiral.com/magazine/gui...ategory-d-cars

    Ring up your insurance provider, tell them what the classification was. They’ll allocate it the new classification and give you a quote... whether you like their reply is another matter entirely.

  3. #3
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    Thanks for the reply There is very little up to date information out there
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  4. #4
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    One of my bikes is a Cat C. Phoned the insurer before I bought it and they said it didn't matter what it was, so long as the value insured was correct (ie reflecting the fact that it is a lower value being a Cat C).

  5. #5
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    I had a few cat c's now cat S & d's now cat N never had a problem...
    As long as you don't pay full resale value of a non insurance right off bike..
    And be aware that when it's time to sell it you again won't get full value back of a non Category bike..
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  6. #6
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    value is usually 40% less.

  7. #7
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    Quote Originally Posted by DING-DONG View Post
    value is usually 40% less.
    I'd question that figure.

    Anyway,there's no need for the OP to contact his insurers if the bike is currently insured and was stated Cat D prior to insuring it.
    The new grouping letter will only apply at renewal,and it should be barely, if any, different in premium because it's simply a Cat D by another name.

    The only thing that must be done is to declare the category if selling the bike.
    Herr Smogbob's Number One

  8. #8
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    The level of markdown obviously varies considerably but it's usually a decent chunk.

    As for declaring the insurance status at point of sale, I've always believed, as per above, that this was mandatory although I read on another forum that this is not so. I'd do so as a matter of course but the forum mentioned were focusing on an aggrieved buyer who was being chastised for not running an HPI .Is there a difference between private sales and trade sales, for example?

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    Quote Originally Posted by Oldie View Post
    .Is there a difference between private sales and trade sales, for example?
    Perhaps.
    I do know that a trader is legally bound to declare a previous damage category.
    Not sure about private sellers but being old school, I'd feel morally bound to declare it regardless of legality.
    Herr Smogbob's Number One

  10. #10
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    Not much option if is printed on the log book/V5
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  11. #11
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    Quote Originally Posted by bisbee View Post
    Not much option if is printed on the log book/V5
    Fair enough but there's no need to contact your insurers if it's mid term.
    Herr Smogbob's Number One

  12. #12
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    Just an update Bennets sorted it out and they only wanted the bike to have an MOT although I did an HPI to get the date of the previous write off incident The underwriter is Ageas if that helps anyone else
    Yesterday I dared to struggle Today I dared to win

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