But then there are old professionals that were brought up fixing their first own cars. He's probably right @Huyrob I dint read that as a rant but very enlightening, I still get mine MOT'd. @Poptop2 I realised a lot about the scene by buying parts from persons that were fit for the bin and largely being letdown by so called vw experts.
Simples…..they are not in business to pay out unless necessary. Exemption opens up a whole new area to enable them to avoid acceptance of the claim.If they don’t pay out and it goes to a court or insurance Ombudsman the reliance of a policyholder on an exemption increases the chances of a claim Being reduced on the basis of contributory negligence.
Am I right in saying that you have to apply for an mot exemption, and that it doesn’t happen automatically with vehicle age?
Yes, as far as I remember, you need to take a form to the Post Office when you tax the vehicle, after that, next time, you can tax the vehicle over the web.
I just checked a box online when I renewed mine https://www.hagerty.co.uk/articles/historic-mot-red-can-mean-go/
Yes, I know it's simples, it's how insurance works, always has done - that's coming from someone who took out a Norwich Union Rider policy back in the 80's that specifically provided cover against uninsured drivers. When I was knocked off a scooter by a car driven on the wrong side of the road, I was not expecting to have a claim declined based on their determination that pursuing the other driver was pointless as he lived like a peasant in a ramshackle cottage with no mains gas or water and had a minimal income. But they did offer to proceed if I (a 19 year old apprentice electrician) paid them to do so...........
This sounds very wrong. If the evidence was there then they would pay out your vehicle damage claim, usually in full, only if you had comprehensive cover. If the other driver was impecunious then yes they would not pursue him for recovery of their outlay, your NCB and your injuries or other losses as it would be totally pointless to do so. You could sue yourself ( or pay the insurers to do so on your behalf) but , even if you did get a judgement…..how are you going to get it satisfied ?
I recently gave a new fan belt to somebody who had shredded theirs. Then they gave me a tenner. I didnt ask for money but they were stuck in services on the M2 hoping the AA man would be able to locate one if he ever returned.
I give loads of stuff away..... Actually I give money to sick animals, if only I knew they were sick before the race.............
I feel sorry for dirty Dereks mate down the pub, since the introduction of MOT exemption he’s lost a fortune not selling dodgy MOTs
The MOT exemption is really there for all those Triumphs, Jags and Porsches that well off people like to play with. Where they do maintain them properly. We are lucky to be included along with them, it is expected that we will maintain our vehicles properly. If we do have an accident without an MOT, the insurers will send round somebody to inspect the vehicle, and act according to the roadworthiness. Having an MOT is the first step along that path of making sure the damn thing steers and stops as well as it should. I still go for an MOT, I think it is mistaken to not bother, despite it having cost me as much as £4600 one year to pass. I dont have a go at people proudly saying they dont have an MOT but some vehicles around would fail big time, and result in some bitterness with insurers if they do have an incident. I dont think the MOT thing is a trap laid for us, more the fact that more and more places have not got any idea of how to cope with a car without an OBD2 socket.
Close to the truth, In the 80’s lots of garage thefts involved theft of their MOT “ tear off pads” . Even I in the late 70’s benefitted from a generous friend of a friend who turned a blind eye to things.
I remember about 18 months ago a junior minister from the Transport dept replying to a journalists query as to why old cars should be exempt from MOT. He responded …pompously along the lines “that those owning such treasured classic cars are, in the main, fastidious in their upkeep”
..hmm..interesting..does it still work like that in the UK?..in Poland for instanse, over 30 years ago they established something like Insurance Guarantee Fund (very roughly translated)..AFAIK all insurers are obligated to pay some contributions to it and in case you have been hit by unknown or uninsured driver, that Fund will pay you out and the case for you is closed..then they and the police will take the case against the preperators..and they seem to be very effective no matter if you have money or not (prisons always an option)..thats roughly how it works in short of course.. Wysłane z iPad za pomocą Tapatalk
