MOT and lockdown

[Geo]

We are mostly all aware of what is and is not legal MoT wise
what is being over looked by some, is the insurance wording reference sorn.
Your insurance policy is a contract, the terms and conditions clearly laid out, if they say it has to remain road worthy, and in their terms , an expired MoT means it is unroadworthy then it is unrodworthy period
It really doesn't matter what you, I, or jo blog thinks or how we interpret the small print
when you ring (as you should) to confirm you are fully covered under Covid DONT FORGET to say if your MoT is or will expire during this period and is cover effected in any way shape or form
Then get them to confirm in writing in case the tea boy answered the phone.
As I said in a previous post the insurers would be very short sited indeed if they insisted on a current test in these times

 

[Geo]

Every garage will have done its own risk assessment which might include asking the customers to make them selves scarce (politely of course|) or they may allow you to hang about as mine did provided I kept the social distance and a mask on.

Your mate is correct,
And there is not even a hint of any extensions being granted (Yet)

 

[Coolcats]

Yep. I was drawn into the insurance/roadworthy/unroadworthy issue after a no fault collision when an oncoming foreign 7.5 tonne lorry driver came round a blind corner in a country lane on the wrong side of the road and damaged my 65 yr old m/bike, causing me multiple serious injuries. The country lane was restricted to maximum 3.5 tonne vehicles.
My legal team had submitted a 6 figure claim - mostly for serious and life-changing injuries.
View attachment 456224



A long and stressful story kept as short as possible.......

Although my bike had been MOT'd 3 weeks before the collision the other side sent an assessor who tried really hard (he also had it taken to a specialist technical assessor) but they couldn't find any faults. Fortunately I had 6 years of detailed service records scribbled on cupboard doors in my workshop.

View attachment 456226

There's lot more I could add and it took 15 months of emails, reports and phone calls to resolve my claim. (Incidentally, during my extensive research I discovered that the specialist technical assessment company had recently been set up by a retired director of the other side's insurance company ).
Posts on a bike club forum detailing my experience and research throughout the entire saga had been followed by a national motorcycle organisation who commissioned me to do further research and document my findings for publication.

Excellent, well done you, I bet that put a spanner in the works, It is important to keep a vehicle roadworthy and you did a great job in doing this. Regarding a newer vehicle I know there are arguments about not having an oil change every year or going to a non main dealer or putting on tyres that are non Motorhome specific but not doing these things can affect a claim. One of the vehicles I had stollen was three years old value was + 30K and whilst I have suffered large premium increases this year the full value was paid out as I could evidence its service history etc.

 

[chrisinplymouth]

Sorry I have just seen all the replies to this.....the point of my post was to make people aware of the insurance issue with no MOT in storage. I was not really concerned about the journey to the MOT station.
I spoke to Comfort Insurance and was assured that no MOT means unroadworthy and if my van was stolen from the storage site any claim for theft would be affected by this. I just didn’t want anybody in the same position to be unaware.
The good news is it passed without problem yesterday.
Regards Chris

 

[Coolcats]

Sorry I have just seen all the replies to this.....the point of my post was to make people aware of the insurance issue with no MOT in storage. I was not really concerned about the journey to the MOT station.
I spoke to Comfort Insurance and was assured that no MOT means unroadworthy and if my van was stolen from the storage site any claim for theft would be affected by this. I just didn’t want anybody in the same position to be unaware.
The good news is it passed without problem yesterday.
Regards Chris

If a vehicle is unroadworthy then it needs to go on a trailer to the MOT station. Personally if an insurance company is taking this approach then I would look for another underwriter. A vehicle can be unroadworthy at any time an MOT is only fit for purpose at the time of the test.

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[garjanco]

My motorhome is insured through AIB and it is currently sorned. The MOT expires at the end of the month and AIB have confirmed that without an MOT my vehicle is fully covered under the insurance policy.
They have also put this in writing to me
Gary

 

[M-J]

My reply to their email is as follows, after this I will know for sure and will also know what type of company I have been dealing with.

Can you please confirm that to be fully covered by the insurer without penalty or reduction in payout value I must have a current MOT therefore I am forced by the insurer to make unnecessary journeys and put myself and others at unnecessary risk to get the MOT test carried out?

I have had a response and now very happy with both comfort and aviva, see below...


Thanks for your email.

I have spoke to Aviva and they have confirmed the below.

We would allow cover to continue without an MOT if the vehicle is not being driven at present.

As soon as the vehicle is to be driven again a MOT need to be completed prior. There will still be cover in place for the journey to the MOT centre.

If we can be any further assistance please do not hesitate to contact the office.

Kind regards

 

[Coolcats]

I have had a response and now very happy with both comfort and aviva, see below...


Thanks for your email.

I have spoke to Aviva and they have confirmed the below.

We would allow cover to continue without an MOT if the vehicle is not being driven at present.

As soon as the vehicle is to be driven again a MOT need to be completed prior. There will still be cover in place for the journey to the MOT centre.

If we can be any further assistance please do not hesitate to contact the office.

Kind regards

Sounds like a sensible underwriter

 

[chrisinplymouth]

I have had a response and now very happy with both comfort and aviva, see below...


Thanks for your email.

I have spoke to Aviva and they have confirmed the below.

We would allow cover to continue without an MOT if the vehicle is not being driven at present.

As soon as the vehicle is to be driven again a MOT need to be completed prior. There will still be cover in place for the journey to the MOT centre.

If we can be any further assistance please do not hesitate to contact the office.

Kind regards

That’s interesting completely at odds with what they told me

 

[M-J]

That’s interesting completely at odds with what they told me

Same here at first but with a bit of a shove they soon changed their stance. See my posts in this thread for info.

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[Dorset Diver]

Just buy a classic 40yrs plus no tax or mot

I could fancy a 40 year old but the wife may object .

 

[Two Owl Ones]

My MOT on the motorhome is due on the 25th Jan. As the Moho is in storage and we have no plans to use it until lockdown is lifted I thought I would just leave it till later in the year when lockdown lifts then make an appointment for MOT.
I then thought perhaps I should check with insurance (comfort) if I would be covered should my van be stolen.
Short answer ...... No
So booked in for tomorrow....... whether or not this is classed as an essential journey is anybody’s guess.

insurance companies look for any reason not to pay out, anything you leave out on a quote, points on licence,or a driver awareness for excess speed /traffic light offence, or any modification which would alter your'e premium,anything at all ! any changes like bigger wheels,alloy wheels too are considered a modification,make sure everything is up to date, like gas safety check, electricity ect and keep certificates for these its a small price to pay for peace of mind

 

[joka250]

So anyone insured with Comfort who has sorn'd their MH isn't insured? Not road worthy?

Checked with AIB that mine is covered whilst sorn'd

I also checked with AIB who without hesitation agreed fully insured.

 

[joka250]

I have now asked local constabulary, Lancashire, they state that if stopped I will be asked to justify my journey. They accept that if it is not possible to take the vehicle off the road and SORN it they MIGHT consider it an essential journey or for people able to prove it is their main vehicle required for work, essential shopping and medical reasons. As said elsewhere AIB accept it is at best unreasonable for many to get an MOT at present. To attend future MOT without current MOT and SORN in place ensure you an appointment in a specific time and you are fully legal and fully insured.