Quick insurance / MOT question...

[inevitable]

Hypothetically speaking, if my bike wasn't MOT'd, then I insured it, without mentioning that fact, nor being asked, and then it was nicked, and the insurers asked for the MOT certificate, which obviously I wouldn't have... would my insurance be void?

[Iceman]

I would think so, not too sure though...

[inevitable]

Fuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuu uuuuck...

Hypotheticcaly speaking, I'm proper ****ed then.

[Iceman]

Well, don't take my word for it... I was just guessing.
Surley the MOT only dictates whether or not the bike is road worthy.

You need insurance to to ride it to the MOT test centre, so thinking about it a bit more, you should be ok :wink:

[Reckless Rat]

I'd say you're probably OK as it was stolen, rather than crashed
(no MOT = unroadworthy)...
but a bike with out an MOT gets a big hit when it comes to valuation.

RR

[Mervin]

Are you sure the MOT wasnt under the rear seat with some other documents?

[inevitable]

hmmm, I can't exactly ask the insurers can I, they'll jump at the chance to void it.

What happens if you genuinely lose an MOT certificate? Are you able to get a copy? If not I'll try the lost angle?

eta: or if it was on the bike at the time...

[fizzwheel]

You should be able to get a copy of the MOT certificate from the issueing MOT test station

I think IIRC you have to pay £15 to get a copy of it though and it helps if you know the number of the certificate

[Iceman]

Well, you should be fine as this is only a hypothetical scenario :wink:

[inevitable]

:oops:

In the real world it was out of test for 6 weeks, uninsured for 4. (I should point out that I didn't ride it at this time).

:oops: :x Then it got nicked 8 days after I re-insured it without an MOT.

I think there's a lesson to be learnt there somewhere...

[northwind]

it shouldn't invalidate your theft cover unless it's specifically stated that a valid MOT is a requirement. they might claim it does- if they do, and don't back up, you want to say very calmly that you want to make a formal complaint as a precursor to taking it to the ombudsman, and that you'd hoped to settle the matter civilly without recourse to legal action. These are statements that get any insurer thinking harder :)

[Biker Biggles]

I think there is a database of MOTs now is'nt there?Let's face it every other detail is on a database so why not MOTs?Best not to bull**** them but tell them you hav'nt got it if they persue it.I don't think they can decline your cover for not having the MOT.

[Sid Squid]

Your insurance isn't invalidated - however as stated above the insurance company usually want to see the MOT cert, if you don't have one the valuation will be affected, however if they don't ask...

I wouldn't volunteer the information in your circumstance.

But they always do in my experience.

[dirtydog]

i used to be insured with carole nash and asked them this very question, i said o them thAT my mot was due to run out and i was taking it off the road for a little while and they said it was fine- not a problem

[triumph5ta]

Your insurance is valid. The insurance co will try and not pay out or pay out a reduced sum using the lack of MoT as an excuse. Dont accept this and go to the insurance ombudsman if necessary. Remember Insurance Companies are glorified bookies, just not so well dressed.

[BillyC]

IMO it depends where it was stolen from.... if it was private property, then you should be covered - as you can insure a bike, even if it's not roadworthy.

If it was on the road, in an unroadworthy condition, then it shouldn't really have been there, and they might try and wriggle out of it.

Either way, you are, hypothetically, in a tricky situation. Read the small print of your policy, and check the law concerning MOT's.