Daylight MOT + Insurance

[Drumming_Animal]

So Me and my Dad have recently bought a trackbike. A 2001 GSXR600 SRAD. It's not for racing, just as a toy for trackdays so we dont risk binning our precious road bikes. Wasn't expensive, but it runs and is in reasonable nick so all's good. :D

Apparantly it has a daylight MOT. We do have a valid MOT certificate until June/July. Aswell as tax until November. My Dad looked up getting some insurance for the road so we can use the bike on the road just to get an idea of it. I myself have never ridden an inline 4 or a bike with clip ons. Apart from just running round the block on a mates bike. So we figured I could run about on the road with cheap insurance for legal sake, so that I can get used to the engine and different riding position. It feels a little strange sitting on it and I don't fancy running out on track with a totally unfamiliar bike. Ah yea, I've never been on track before either.... So to just jump on track with this bike would be throwing myself right in the very deep end.

The bike has no lights, no mirrors, no indicators, etc. It has a horn and a number plate. They are about the only things that set it apart from a complete track bike.

But anyway, we can't seem to find anyone to insure us. No-one will insure a bike with a daylight MOT.
Has anyone else had any experience with anything similar? Can anyone recommend any insurers? Or should we grab some lights, get a normal MOT and then be done with it?

[Specialone]

I keep hearing this daytime MOT crap, I've asked 2 MOT testers and they said they don't exist :confused:

[andrewsmith]

Its an MOT with an advisory for no Headlights.

Look at the specialists that do a bit with track bikes.
I'd be doing a frankengixxer

[cb1000rsteve]

I had my ZX7r track faired for the road (see pic) and i just insured it as a ZX7r. Cost £121 for the year!! I disclosed the track faired fact. plus the mot was normal with no advisory. No such thing as a daylight MOT

[Red Herring]

Hopefully it's still got it's instruments, or at least the speedo, as well. You don't need to have any lights fitted if you use it during daylight hours, but if you fit a front or rear position lamp then you have to comply with all the lighting regulations (including indicators). You can fit a brake light on it's own if you want and thats not such a daft idea if you are going to use it on the road, but just be careful the unit you use doesn't have a position lamp (dual element bulb) in it as well. Mirrors are not required by law, but again not such a bad idea to fit one if you are road riding.

As far as insurance is concerned you should just insure it like any other bike, but declare any modifications, eg: aftermarket fairing, no lights etc. The MOT is a normal MOT done by a normal MOT station, it's just they can't test what isn't fitted so they will give you an advisory that you should only use it during daylight hours. If you then decide to fit lights you don't have to get it re-tested, the certificate you have is still valid. Don't forget to tax it! Enjoy.

[Drumming_Animal]

Thanks for your replies.
Yes the bike does have a speedo. The same clocks as it was when the bike was a road bike from factory. Forgot to mention the speedo.

Well Me and my Dad are still thinking about things. I'm all up for insuring it like a normal bike and using it on the road during daylight hours. As far as I can gather, there is no such thing as Daylight MOT, you're just advised about the lights with the MOT. So technically it's no different from any other road bike apart from lack of lights. And it has fibreglass race fairings fitted. No law that I can find states that you must have lights or standard fairings. To be roadworthy the vehicle must have a valid MOT (check), be taxed (check) and be insured (getting there)

With declaring modifications, such as no lights, race fairings, etc. That is where we fell over with insurance, apparantly they don't like the modifcations we listed and many insureres didnt want to insure us because of the modifications

[LankyIanB]

Speak to bikesure (bike arm of Adrian Flux) they can handle this type of policy for "highly modified" bikes. Let them know you're a member on here too as it can help get a couple of quid off sometimes.

[Lozzo]

I insure my CBR600FW that has the same modifications plus Maxton shock, rearsests, aftermarket clip-ons, a full Akrapovic system and K+N filter. It's included in my multibike policy with Equity Red Star via Carole Nash along with my Versys and TS250C, so I haven't a clue what it would cost to insure on its own.