Quick insurance / MOT question... - Page 2 - SV650.org

northwind · 26-01-06, 07:27 PM

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 · 26-01-06, 07:56 PM

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 · 26-01-06, 08:44 PM

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 · 26-01-06, 08:47 PM

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

27-01-06, 10:44 AM

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 · 27-01-06, 11:39 AM

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.

26-01-06, 07:27 PM	#11
northwind Moderator Mega Poster Join Date: Jan 2004 Location: In the garage where I belong Posts: 17,083	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 __________________ "We are the angry mob, we read the papers every day We like what we like, we hate what we hate But we're oh so easily swayed"

26-01-06, 07:56 PM	#12
Biker Biggles Member Mega Poster Join Date: Jan 2005 Location: Barnet Herts Posts: 5,071	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. __________________ On a clear day we stand there and look further than the ordinary eye can see.

26-01-06, 08:44 PM	#13
Sid Squid No, I don't lend tools. Mega Poster Join Date: Jul 2003 Location: Skunk Works, Nth London Posts: 8,680	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. __________________ If an SV650 has a flat tyre in the forest and no-one is there to blow it up, how long will it be 'til someone posts that the reg/rec is duff and the world will end unless a CBR unit is fitted? A little bit of knowledge = a dangerous thing. "a deathless anthem of nuclear-strength romantic angst"

26-01-06, 08:47 PM	#14
dirtydog Knob faced knobster Mega Poster Join Date: Jan 2005 Location: Haslemere Posts: 5,422	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 __________________ 2011 Speed Triple 1050

27-01-06, 11:39 AM	#16
BillyC Moderator Mega Poster Join Date: Nov 2003 Location: The exiles of Kent Posts: 2,184	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. __________________ SV650 K3 - Gone. Now a member of the SV650.org Kawasaki brigade!

27-01-06, 10:44 AM	#15
triumph5ta Guest Posts: n/a	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.

Similar Threads
Thread	Thread Starter	Forum	Replies	Last Post
quick insurance answers required..please	Quiff Wichard	Bikes - Talk & Issues	47	19-03-09 06:35 AM
Quick insurance question	heros	Bikes - Talk & Issues	2	23-10-08 05:49 PM
health insurance in ireland- quick answer please	Quiff Wichard	Idle Banter	12	09-08-07 10:54 PM
Quick Question, Quick Answer	JakeRS	SV Talk, Tuning & Tweaking	6	07-05-05 11:00 PM
Quick insurance question	northwind	Bikes - Talk & Issues	2	28-02-05 05:37 PM