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Changes to UK MOT for older vehicles.

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iansoady View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote iansoady Quote  Post ReplyReply Direct Link To This Post Posted: 14 Jan 2018 at 11:10
I've just emailed my insurer (Peter James) and will report back. I have one currently MoT-exempt bike, one that has a current MoT but will become exempt with the new regs, and one which will take a while to reach that status.


Edited by iansoady - 15 Jan 2018 at 15:05
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Post Options Post Options   Thanks (0) Thanks(0)   Quote iansoady Quote  Post ReplyReply Direct Link To This Post Posted: 15 Jan 2018 at 15:05
I had a very prompt reply from Peter James. I had asked whether MoT-exempt bikes would need a "voluntary" MoT for insurance purposes.

Their reply (slightly ungrammatical but I think clear):

"Good Afternoon

 Thank you for your email.

 We can confirm that if a motorcycle is MOT Exempt, it will not affect the insurance policy, meaning they do not require a voluntary MOT.

 Hope this answers your query."

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Post Options Post Options   Thanks (0) Thanks(0)   Quote Brian UK Quote  Post ReplyReply Direct Link To This Post Posted: 15 Jan 2018 at 15:14
That's fairly clear then, but will other brokers agree?
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Post Options Post Options   Thanks (0) Thanks(0)   Quote iansoady Quote  Post ReplyReply Direct Link To This Post Posted: 15 Jan 2018 at 16:30
I don't know, having been with Peter James for a number of years now. I find them far better than the other brokers - CN etc all seem to have been taken over by big companies and have lost the expert knowledge they once had.

If I was with one of the others I would ask the question. It would be interesting to see how they all reply.

I do know that most if not all of the "classic" brokers use the same underwriter - Equity Red Star.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Mike H Quote  Post ReplyReply Direct Link To This Post Posted: 16 Jan 2018 at 01:04
Yep, ERS here too. Via Bennetts & Bikesure.

I read elsewhere that CN is just a brand name only these days, having been took over by Groupama, who are French.


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Post Options Post Options   Thanks (0) Thanks(0)   Quote iansoady Quote  Post ReplyReply Direct Link To This Post Posted: 16 Jan 2018 at 10:46
Have you asked Bennetts / Bikesure what their policy is?
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Post Options Post Options   Thanks (0) Thanks(0)   Quote red leader one Quote  Post ReplyReply Direct Link To This Post Posted: 16 Jan 2018 at 15:01
Looked on the Peter James website.

Do they do modern bikes as my year bike was not on the list.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote iansoady Quote  Post ReplyReply Direct Link To This Post Posted: 16 Jan 2018 at 15:17
They do but I don't think their prices are particularly competitive as it's not their core business. Worth a call though.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Motty Quote  Post ReplyReply Direct Link To This Post Posted: 16 Jan 2018 at 21:02
Originally posted by iansoady iansoady wrote:

I had a very prompt reply from Peter James. I had asked whether MoT-exempt bikes would need a "voluntary" MoT for insurance purposes.

Their reply (slightly ungrammatical but I think clear):

"Good Afternoon

 Thank you for your email.

 We can confirm that if a motorcycle is MOT Exempt, it will not affect the insurance policy, meaning they do not require a voluntary MOT.

 Hope this answers your query."


Thank you for asking the question, I'm insured with PJ and expected them to require MOT exempt bikes to have an actual MOT.
Looks like it might be good news for the old RD :-)
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Dukedesmo Quote  Post ReplyReply Direct Link To This Post Posted: 16 Jan 2018 at 22:00
My LM2 is a 1980 so will be tax/MOT exempt from 2020.

However talking to my local MOT man who owns a few tax exempt classics, he reckons that as my bike was registered in the first week of January 1980 then it was clearly manufactured in 1979 and, as such that if I contact DVLA and explain this then it could be exempt from 1979 as the exemption is based on year of manufacture rather than registration, anyone know anything about this?
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Mike H Quote  Post ReplyReply Direct Link To This Post Posted: 17 Jan 2018 at 00:40
Originally posted by iansoady iansoady wrote:

Have you asked Bennetts / Bikesure what their policy is?


It's all in the "small print". Big smile

Bennetts policy:
2. What is not covered
2.5 Any Claim or service offered by this policy where the Insured Vehicle is found to be in an
unroadworthy condition or does not have a valid road fund licence or valid MOT certificate at
the time of the Insured Event.

Bikesure:
General conditions
1. We will only provide the cover described in this insurance if:
. . .
6. You must take all reasonable steps to protect your motorcycle from loss or damage, and to maintain it in an efficient and roadworthy condition. You must let us examine your motorcycle at any reasonable time. (< Bennetts have this too.)

Section 2 — Loss of or damage...
If a Total Loss (write-off)
. . .
If we ask, you must send us your motorcycle registration document (V5c), MOT certificate, the purchase receipt for the motorcycle, all keys and any other relevant documentation before we agree to settle the claim.

^ That's the only mention of a MOT certificate.

HTH


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Post Options Post Options   Thanks (0) Thanks(0)   Quote Brian UK Quote  Post ReplyReply Direct Link To This Post Posted: 17 Jan 2018 at 08:15
But you can be sure all that was written before the changes.
 
You should specifically ask them how that applies to vehicles which no longer require an MOT.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Raeburn Quote  Post ReplyReply Direct Link To This Post Posted: 17 Jan 2018 at 08:18
Originally posted by Dukedesmo Dukedesmo wrote:

My LM2 is a 1980 so will be tax/MOT exempt from 2020.

However talking to my local MOT man who owns a few tax exempt classics, he reckons that as my bike was registered in the first week of January 1980 then it was clearly manufactured in 1979 and, as such that if I contact DVLA and explain this then it could be exempt from 1979 as the exemption is based on year of manufacture rather than registration, anyone know anything about this?


My T3 was reg. in Jan '76 so it was accepted manufactured in'75
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Dukedesmo Quote  Post ReplyReply Direct Link To This Post Posted: 17 Jan 2018 at 09:55
Originally posted by Raeburn Raeburn wrote:

Originally posted by Dukedesmo Dukedesmo wrote:

My LM2 is a 1980 so will be tax/MOT exempt from 2020.

However talking to my local MOT man who owns a few tax exempt classics, he reckons that as my bike was registered in the first week of January 1980 then it was clearly manufactured in 1979 and, as such that if I contact DVLA and explain this then it could be exempt from 1979 as the exemption is based on year of manufacture rather than registration, anyone know anything about this?


My T3 was reg. in Jan '76 so it was accepted manufactured in'75

Interesting, did you contact DVLA about this at the time for tax exemption? 
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Post Options Post Options   Thanks (0) Thanks(0)   Quote ranton_rambler Quote  Post ReplyReply Direct Link To This Post Posted: 17 Jan 2018 at 12:43
The DVLA website needs an update but currently states 1 January 1977 as the cut-off date for manufacture, or 8 January 1977 for registration. I expect these will change to 1978 when they get round to it.
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