Urgewnt insurance question - any experts around today?
 

Sorry for double posting this but could really do with some advice...

Hi all...

4 months after starting a claim for the theft of my old Vespa T5 Classic and endless letters to and from the insurers, (Zenith, through Devitt brokers) I've just got off the phone after them telling me they're not going to pay because it wasn't MOTd.

I told them this when it was stolen. It WAS taxed, so still parked on the road and I gave them a receipt for servicing and repair of the rear wheel hub and told them that I was going to get it MOTd, that was why I had reinsured it!

I've told them that I'm not accepting this, that I was never asked to provide proof of MOT at the time I took the policy out and that the policy doesn't state that the vehicle must be MOTd.

They want me to send them a copy of the (Devitt) policy.

I've just had a read through it and in the general conditions it says:
"you shall maintain your motorcycle in efficient and roadworthy condition..."

Do you think this is grounds for voiding the policy for having no MOT, even though the vehicle wasn't being ridden?

anyone have any similar problems or a solution to these b'stards trying to fob me off with nothing?


:x

You don't need an MOT to have it insured. Since you werent out riding it (i assume it was stolen from home) the MOT should have no bearing on whether it was stolen or not.

http://forums.sv650.org/viewtopic.php?t=38553

Cross post, look at original thread for full story

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