ANY QUESTION ANSWERED OWNING & RIDING Q On the right track for a bargain buy?
If we don’t know the answer, we’ll find the person who does What should I look for in a motorcycle workbench? What happens if my PCP bike gets written-off? Q
I’ve seen a dealer ad for an ex-track school 2014 Honda CBR600RR for £5200. Is there a way of checking if this would be a good buy? I wouldn’t have a clue. Eric Raby, Wymondham
Answered by Chris Dabbs, MCN
My knees are going and I’ve got a few bikes in my collection so I am looking at getting a workbench. What are the choices and what sort of budget will I need? Dan Sutherland, Knutsford
Answered by Matt Baldwin, Burwin Motorcycles The big difference is how the bench is raised and lowered. The most common method is a foot- positives as well. The negatives first, pay particular attention to the gearbox as most of the changes will have been rapid and at high revs. So, how good is the lever action, does it change sweetly, any missed gears? Ask all the usual questions and get the lower bodywork removed as it’s pretty likely it’s had at least one operated hydraulic pump. There are also electrically operated versions which are more suited to a busy, professional workshop. Some benches are a parallelogram design, but a scissor-lift design is more space-efficient.
Look for a bench with a slideaway section for rear wheel access, and automatic locking at different heights. It should be rated at 350kg at least. low-side crash in its career.
If it’s less than two years old is there still any Honda warranty left? If not, that’s a negotiating point. Remember any price is just the starting price and you can always make a lower offer.
A couple of positives to consider. Although the bike will have had a hard life it will have been well maintained, especially if it’s been at a Honda race school, and any problems will have been picked up quickly through regular inspection. As you are taking the initial risk by buying it, chances are it’s at the bottom of the depreciation curve and it should not lose any value over the next 18 months provided it runs well. I’m very tempted to go down the PCP route for my next bike but one question springs to mind: what are the insurance implications when a claim leads to a write-off? Andy Eyre, email
Answered by Rob May, Doble Motorcycles PCP is a type of Hire Purchase, meaning the legal owner of the vehicle is the finance company. A total loss would lead to one of the two following outcomes:
1) Assuming the bike is insured on a comprehensive policy most insurers would replace the bike so long as it is quite new (anywhere between six months and one year old). If this were to happen then in most cases the finance agreement could be transferred to the replacement bike.
2) After any vehicle replacement period has expired then most insurers will offer ‘the market value of the vehicle at the time of the loss’. In this case, the money would be paid directly to the finance company but the customer would be responsible for any shortfall on the settlement balance (there may not be a shortfall depending on the amount borrowed and term).
Any customer purchasing a bike on PCP should consider an Optional Combined GAP insurance policy, as this would pay off any outstanding finance shortfall or return the customer to the original invoice value (whichever is greater at the time of the loss).