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insurance crash categories

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insurance crash categories

Posted by anna jeannette Dixon at September 24. 2017

Hello All It looks to me like the insurance companies have well a truly sown up with the crash category which is not on the side of the customer in Catagory A and B  both  you end up with NO bike  they get crashed  in both cases even if it's over 100 years old or the only one made   this make No difference category C And  D  these two do not guarantee that your machine with be fixed and still could be written off   and broken up for party only  and either of these  do not cover you completely even if your fully comp or not   it all down to the insurance assessor and he will always go for the cheapest option to recover insurance losses, So in sort the insurance people are covering their backs in every event,  and the customer loses out in every event, I think the FBHVC should lobby the government  has our historical vehicles are being lost under these insurance laws,  the best thing is not to make a claim and fix it your self                      Yours   Anna J                

Re: insurance crash categories

Posted by Neil Wyatt at September 24. 2017

Anna, they are a business and exist by making money. The best way of looking at insurance is as a legal necessity and also to protect the third party, whose claim against us could cripple the individual financially in the most serious of cases. The only way you find out how good a policy is, is when you come to claim against it and thank goodness I'm not the man to answer that question, at least as far as my bikes are concerned!

As for the FBHVC, do me a favour, they have done zero to help campaign for E0 petrol but instead used their name as an endorsement for costly anti ethanol chemicals to slow down the ill effects of the solvent. Hope you have better luck with their support with insurance.

Anyway, needle starting to stick...

Re: insurance crash categories

Posted by Dan Field at September 25. 2017

I'm pretty sure that with many classic policies you can agree at the outset that you will always have the original bike back as part of the settlement.

dan

Re: insurance crash categories

Posted by Bob Matthews at September 25. 2017

My insurance policy covers me to remain the owner of my bike in the event of a write off (Footman James).

Re: insurance crash categories

Posted by patrick_mullen at September 25. 2017

Hello Anna,

Are you actually aware what the different categories actually mean?.

Category A means so badly damaged that it cannot be used even for spares and it must be crushed.  Usually this refers to total fire damage where it is hazardous to even touch the shell. Certain plastics give off poisonous gases when subjected to extreme heat and must be handled with great care and special protective clothing.

Category B means severely damaged and not repairable but can be broken for spares.

Category C and D means it is not economical to repair but could be repaired.

Most insurance companies give you the option of reclaiming the salvage in Categories C & D and also give you agreed value insurance.

Only licensed breakers are allowed to handle categories A & B.

Patrick

Re: insurance crash categories

Posted by david_evans at September 26. 2017

I have a cat D Triumph street triple. Great until you try and sell it. You can't give it away.

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