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Post by headcoats on Sept 18, 2019 11:51:47 GMT 1
Was talking to the local garage today and he does a lot of classic cars too and a few bikes and he was telling a story about a bloke with an old Jag who broke down and had to call the RAC/AA out via his insurance However they refused to come out as he didn't have a "voluntary" MOT on it to prove it's roadworthiness !
So are we doomed LOL
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Post by earthman on Sept 18, 2019 13:39:47 GMT 1
Is it his insurance company being funny or the actual breakdown people I wonder? I pay for my RAC directly, whether or not that would make a difference??
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Post by dusty350 on Sept 18, 2019 14:40:47 GMT 1
I have thought that having no Mot, although legal on a 40+ year old bike, may make an insurance claim tricky, possibly. We all know insurance companies will wriggle at the slightest chance, and no Mot would be an easy one for them I reckon. For what it costs, I would always get oneđ
Dustyđ
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Post by billbott on Sept 18, 2019 14:58:45 GMT 1
Although not quite the same scenario, I have just sold a bike to someone living on the Isle of Man.
It was a 1965 model with an interesting registration number so I thought I would transfer the number onto the wifes car as it would have to be re-registered on the isle of Man anyway (buyer was happy with this)
Despite it being 54 years old and not requiring any MOT or tax, the DVLA wouldnât let me transfer the number without a voluntary MOT test.
I have two bikes that will be âhistoricâ within 2 years and another 2 years after that so I thought that was it, cheap motorcycling, but I would agree with Dusty â it may be prevalent to get a voluntary MOT just in case.
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Post by Tobyjugs on Sept 18, 2019 16:31:16 GMT 1
I had a similar experience 25 years ago with the AA. My Land Rover needed recovering, they told me the value of the car was less than the recovery costs so they wouldn't recover it. After a few phone call to other people in the RAC it was eventually recovered.
With this in mind the Landy was used for a rally to Southern Italy last year, when I asked about coverage it was yes sir you are covered. I then asked are you sure as the car is 52 years old. The reply was why do you want to go to Italy in such an old car. The person from the company could not advise me and connected me to a manager. He told the policy did not cover such old cars and gave me the details of their sister company that does cover classic vehicles.
Always check the little details with insurance policies.
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Post by raven13 on Sept 18, 2019 22:07:22 GMT 1
We had a customer earlier in the year that had an accident (his fault) on his Ariel Huntsmaster. The bike was registered as a historic vehicle and mot exempt. Both insurance companies and the police wanted proof that the bike was roadworthy before the accident. Luckily 2 weeks previously we had done at the customers request a full service to mot standard and could provide the worksheets, which satisfied all concerned. Without them I have no doubt his insurance company would have said he wasn't covered, the other parties insurance company would have been trying to take legal action to recoup the costs for their client and that the police would have prosecuted him for riding a vehicle on the road that wasn't roadworthy. For the cost of an MOT is it worth the hassle it could cause??
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Post by earthman on Sept 18, 2019 22:42:22 GMT 1
It's a bit of a joke that all these organisations are not 'singing from the same hymn sheet' don't you think? Surely the law is the law, if they say that a 40 year old vehicle doesn't need an MOT certificate then they should all accept that!
I wonder if any other historic vehicle clubs/organisations have such experiences, maybe it's something that they could get cleared up/lobby for? Often money talks so maybe just promoting one insurance/breakdown service that recognises/accepts this particular road traffic law.
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Post by steve h on Sept 18, 2019 23:34:07 GMT 1
For my two tuppence worth.. any vehicle on the road should be up to a certain std. This is done via the MOT test. The fact that this test has been deemed unnecessary for 40yr old vehicles is proof that that the civil servants in charge are absolutely clueless. Who the hell did they consult with? the chimps at Chester zoo? (Sorry chimps, no doubt you would have raised well thought out objections). A 40yr old vehicle is more likely to be ailing rather than a 3yr old one??... take us aging old farts as an example. And the knock on effect will be felt in the industry, I take mine to an old fashioned tester (everything done hands on, no rolling road) as do a few old farts with old bikes. I will still be taking it... then I have proof of its condition.. as the law ain't always the law! And the thinking that 40yr old vehicles are all owned by enthusiasts who are skilled in maintenance.... Well I've seen the bodges some enthusiasts have perpetrated, and if they were electrical engineers I would not let them wire a f**king plug top!
I'm not going to continue to pay the tax though...
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Post by donkeychomp on Sept 18, 2019 23:44:23 GMT 1
My truck won't need an MOT soon but she's getting one as there are a ton of things only a guy with a ramp and a rolling road can spot...bikes however are so simple to maintain (brakes bearings etc) that I wouldn't bother with it. Until now that is after reading this insurance problem!
Alex
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Post by dusty350 on Sept 19, 2019 7:09:44 GMT 1
I've got a mate with an old VW freedom bus/camper van that's over 40 years old. He is not very mechanically minded and unlikely to get under it to check the condition of brake pipes cables structural integrity etc etc. He doesn't bother with an Mot. If he was to plow into the back of a family car on the way to the coast one day coz his ancient brakes failed, everyone will wish he had got one. And as we all know, an Mot is not a guarantee of a vehicles road worthiness, but I think it the duty of all road users that their vehicle complies with the law. If your insurance company refuses to cover you in the event of an accident citing lack of Mot, its gonna get very expensiveđ¤Ź
Dustyđ
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Post by earthman on Sept 19, 2019 8:33:07 GMT 1
I've got a mate with an old VW freedom bus/camper van that's over 40 years old. He is not very mechanically minded and unlikely to get under it to check the condition of brake pipes cables structural integrity etc etc. He doesn't bother with an Mot. If he was to plow into the back of a family car on the way to the coast one day coz his ancient brakes failed, everyone will wish he had got one. And as we all know, an Mot is not a guarantee of a vehicles road worthiness, but I think it the duty of all road users that their vehicle complies with the law. If your insurance company refuses to cover you in the event of an accident citing lack of Mot, its gonna get very expensive𤏠Dustyđ I really don't get people like that, why run an ancient vehicle if you have no interest in it's inner workings/maintaining it? Surely that's part of the fun??
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Post by dusty350 on Sept 19, 2019 8:50:56 GMT 1
Theres plenty of old 2 strokes out there that haven't been maintained properly, and in some cases bodged badly for sale. Owning an old vehicle doesn't mean people automatically care for them properly. It applies to lots of things in life I'm afraidâš
Dustyđ
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Post by earthman on Sept 19, 2019 11:43:17 GMT 1
When talking about a vehicle, I would have thought that it always starting/being reliable would have been a big concern especially to these numptys who can't work on them themselves?
Surely the convenience of owning a newer vehicle would appeal to them sooner than later? If it's down to saving money, they got to be spending more on labour charges alone than the mot & tax.
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Post by bazzer5115 on Sept 19, 2019 18:03:10 GMT 1
If an mot doesnât guarantee the vehicles road worthiness,why are these companies demanding you have one if your vehicle is over 40 yrs old. Just the usual âany excuse to avoid paying outâ and red tape and bureaucratic bullshit. If the law says you donât need one,then in my eyes you donât need one. The way I see it,it will be them breaking the law not you! But me and authority never got onđ
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Post by donkeychomp on Sept 19, 2019 22:27:10 GMT 1
When talking about a vehicle, I would have thought that it always starting/being reliable would have been a big concern especially to these numptys who can't work on them themselves? Surely the convenience of owning a newer vehicle would appeal to them sooner than later? If it's down to saving money, they got to be spending more on labour charges alone than the mot & tax. Depends on a lot of things really. People (like me) with sod all money run an older car because a) new ones are so boring b) they all look alike c) maintaining a 40+ old car is way greener than replacing it with a new one every 3 years d) all new cars have so many electrical gizmos and when they start to go wrong you're in a world of hurt e) they have those stupid headlights that turn off when you indicate...WHY? Very dangerous f) so many are electric or hybrid and that in my opinion does the planet more harm than a petrol car and g)my truck is uber cool lol. Alex (gonna get some stick for this I know...)
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Post by donkeychomp on Sept 19, 2019 22:33:17 GMT 1
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Post by earthman on Sept 19, 2019 22:39:39 GMT 1
When talking about a vehicle, I would have thought that it always starting/being reliable would have been a big concern especially to these numptys who can't work on them themselves? Surely the convenience of owning a newer vehicle would appeal to them sooner than later? If it's down to saving money, they got to be spending more on labour charges alone than the mot & tax. Depends on a lot of things really. People (like me) with sod all money run an older car because a) new ones are so boring b) they all look alike c) maintaining a 40+ old car is way greener than replacing it with a new one every 3 years d) all new cars have so many electrical gizmos and when they start to go wrong you're in a world of hurt e) they have those stupid headlights that turn off when you indicate...WHY? Very dangerous f) so many are electric or hybrid and that in my opinion does the planet more harm than a petrol car and g)my truck is uber cool lol. Alex (gonna get some stick for this I know...) Cars have become way too complex I agree but say something from the late nineties or early 2000's could prove to be reliable/cheap to buy,...we are still talking 20 years old hear so certainly no spring chicken. Personally I hardly ever see a 40+ year old vehicle on the roads, how many people are using them to commute to work/do the school run etc? That's just not happening is it.
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Post by donkeychomp on Sept 19, 2019 23:32:01 GMT 1
Cough. I do. Mine is my only vehicle and gets me to work and back, the shops etc. It's Japanese so the engine is very reliable and when something does go wrong I fix it. Every day I see new cars everywhere. Do I want one? Do I fu... Alex
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Post by earthman on Sept 20, 2019 7:38:10 GMT 1
Cough. I do. Mine is my only vehicle and gets me to work and back, the shops etc. It's Japanese so the engine is very reliable and when something does go wrong I fix it. Every day I see new cars everywhere. Do I want one? Do I fu... Alex Hats off to you but you got to agree that you are unusual/in the minority? This is why I never had a problem with their decision of the no mot & tax for such vehicles in the first place. Although I assumed that only a wrench turning knuckle head like myself would be owning/using such vehicles. Lol
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Post by steven on Sept 20, 2019 16:29:41 GMT 1
Hi, As said above, we will just need to find an insurance company that is happy enough with the fact that the law says we don't need an MOT after 40 years, I'm sure we will find one. Anyway, all these silly types of things don't really matter anymore, lack of police/nhs resources, holes in the road, folk arriving on the South coast daily in rubbery boats from France, etc etc etc,...... the main thing is, we now have a really good bullying policy on Facebook ! Steven.
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Post by midlifecrisisrd on Sept 20, 2019 19:40:57 GMT 1
I see a few 40+ cars around
Last 2 were poles apart
A Hillman Avenger the other week. How has that not rusted to dust?
Then this morning I'm fill8ng my car with diesel and heard something nice start up behind me.
It was an old boy in a 1960's Maserati đ
Steve
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Post by donkeychomp on Sept 20, 2019 22:26:21 GMT 1
Yes I am in the minority by a country mile!
Still see a lot of classics around here though. MGA's, E Types, Moggie Minors etc.
Alex
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