Would you buy a category N bike

[handful17]

I've noticed quite a few bikes declared with cat N being advertised with some hefty discounts. I have always steered clear of anything previously written off but the new categorisations suggest there is nothing structurally wrong with a cat N bike so as long as the cosmetic damage has been repaired is it something you would buy? Just interested to hear some opinions on this. Thanks

[cjs racing.]

I would, as long as I could see pictures of it before it was repaired.

Just make sure it's a good discount, and remember if you stack it the insurance pay out will probably be less than a non cat bike.

[handful17]

cjs racing. said:

I would, as long as I could see pictures of it before it was repaired.

Just make sure it's a good discount, and remember if you stack it the insurance pay out will probably be less than a non cat bike.

Thanks. Is there are set % insurers reduce by for a cat N?

[Moulder]

Depends what it is and what it is for.

If it is to ride into the ground then yes. If it is to keep for a while then sell your buyer pool will be restricted or at least asking the same questions as you.

[cjs racing.]

handful17 said:

Thanks. Is there are set % insurers reduce by for a cat N?

I'm no expert, but from personal experience, I was knocked down 30%. Hopefully some of the forum insurance experts will chime in.

[spoodler]

Had many Cat D or N bikes over the years. Two of our current bikes have been "written off" - t'other half's Harley that I bought back and did all the repairs myself, and my Legend that I bought sight unseen and was near immaculate and low mileage with a hefty discount over the usual price. You just need to be realistic with what you pay, or ask when you sell.
The Harley had previously been written off before my other half was knocked off it, what with all the other claims for injuries etc., it barely affected the insurance settlement.

[Biker9090]

Keep in mind that many will simply have been dropped and the cost for plastics is insane.

Also a fair few attempted thefts- be wary of steering locks damaging the frame.

Finally worth considering that some may have catastrophic engine damage but "dropped" to claim on the insurance..... not entirely unheard of.