Urgewnt insurance question - any experts around today? - SV650.org

18-05-06, 02:06 PM

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?

18-05-06, 02:09 PM

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.

TSM · 18-05-06, 02:15 PM

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

Cross post, look at original thread for full story

-close-

18-05-06, 02:06 PM	#1
inevitable Guest Posts: n/a	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?

18-05-06, 02:15 PM	#3
TSM The Sick Man Mega Poster Join Date: Nov 2004 Location: Peckham.SE.LDN Posts: 4,768	http://forums.sv650.org/viewtopic.php?t=38553 Cross post, look at original thread for full story -close- __________________ OTR: KTM 690 Duke R 2015 Full Akro SIDELINE: Kwak ZX636 A1P 2002, Red, R&G's, Yoshi, Double Bubble Screen GONE: Kwak ZX-7R P1, Full Akro, Undertray, Screen GONE: SV650S K2 Very Bruised & Without Fairing, Motovation Frame Sliders, R&G Ally Sprocket Toe Protector, HEL 2 Line Setup, GSXR K1 600 RWU Forks, Barnett Clutch & Springs, Penske 8981 Shock, Gilles Ti Rearsets, Steel Barends, Scottoiler, AFAM Chain & Sprockets, Twin FIAMM Horns, Skidmarx Bellypan, Full Micron Zeta Steel System, Cut down undertay. Forum Problems & Information / Site Suggestions

Similar Threads
Thread	Thread Starter	Forum	Replies	Last Post
Question For Employment Experts	Lissa	Idle Banter	2	13-02-09 07:31 AM
Calling our resident insurance experts...	the_lone_wolf	Idle Banter	17	03-07-08 09:30 PM
question for the computer experts	kwak zzr	Idle Banter	10	04-06-08 09:09 PM
A question for do experts	svJvJ	Idle Banter	4	30-09-07 12:27 PM
Any tax experts?? CGT generic question	Kilted Ginger	Idle Banter	2	29-11-06 08:33 PM

18-05-06, 02:09 PM	#2
mysteryjimbo Guest Posts: n/a	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.