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How many bets you won't have insurance either?
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If your bike is not MOT'd and taxed then the insurance would be invalid anyway.(except,of course)pre-arranged MOT.
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You might get picked up by a roaming or static ANPR unit and the book (of some weight) thrown at you.
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This post about the insurance is misleading. Your insurance will still be valid for third party cover dispite having no MOT or TAX, therefore meeting the legal requirement.
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>>Your insurance will still be valid for third party cover dispite having no MOT or TAX, therefore meeting the legal requirement.
True, but overly simplistic. It depends on;
1) does your insurance call for a roadworthy vehicle or an MOT'd vehicle ?
2) The reason it doesn't have an MOT
3) What would happen if it was tested
4) The fault, if any, and its relevance to an accident or potential accident
Even for valid TP Cover it may still be that the insurer can recover any losses directly from you, depending on your Ts&Cs and the details above.
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Yes, good points, as always you need to read the policy wording carefully.
However, the point still stands that without MOT or TAX the insurance would still meet legal requirements.
How about hiring a cheap van for the day to transport it? There are some very dodgy but cheap places around where you can hire a beat up old van for very little money. If you are short of cash now you will be even worse off after getting nicked for no MOT and Tax.
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Read the SMALL print;most insurance policies(not the certificate)contain wording that for the policy to be valid,the policyholder must ensure that the vehicle is in a "LEGAL & ROADWORTHY" condition.
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Also check that if there is minimum cover,it covers third party property as well as third party personal-the minimum used to be just personal-so if you hit their house,you personally would have tp pay for repairs to the house but your insurance would cover their bodily injuries.
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However, the point still stands that without MOT or TAX the insurance would still meet legal requirements.
Rubbish ,just try and make a claim in such circumstances and see what happens.
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The point is that an MOT is only a snapshot of the vehicle's condition (relevant points only) on a particular day. It has nothing to do with whether the vehicle is roadworthy on any other day, so even an MOT'd vehicle can still invalidate the insurance if it is not roadworthy.
The concession allowing an un-MOT'd vehicle to drive to a pre-booked test does not give a right to any old wreck however unsafe to limp to the garage for repairs. It could still be unroadworthy or dangerous.
But if the vehicle is merely un-MOT'd because the MOT has lapsed, or has been off the road for repairs, or has minor points that need fixing for the MOT yet are not severe enough for the vehicle to be unroadworthy, then it is a useful and perfectly legal way of moving an unMOT'd or untaxed vehicle. With insurance of course.
But if you are aware of some major and MOT-able fault that needs fixing, then it is risky in all senses taking it on the road.
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I called my insurance company when I needed to ride the ZZR to its test after the MOT had elapsed. I was told that as long as the test was pre-booked, the bike was free of obvious defects that would render it unroadworthy, and that I took a direct route between the garaged address and the station, they would honour any claims.
I was told that all of the above would be checked and verified in the case of an accident / claim.
The bike is only insured TPFT anyway.
Cheers
DP
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. I wastold that as long as the test was pre-booked, the bike was free of obvious defects that would render it unroadworthy, and that I took a direct route between the garaged address and the station, they would honour any claims.
Exactly. It's standard practice for classic vehicles that have been taken off the road for restoration.
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>> However, the point still stands that without MOT or TAX the insurance would still meet legal requirements. Rubbish ,just try and make a claim in such circumstances and see what happens.
Andy - the driver would probably get their claim rejected, but a third party would have it honoured. The insurance company may come after the driver with all guns blazing, however... ;-)
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You need to read my post properly.
The insurance would still meet legal requirements.
Wether the insurer would pay a claim is a different subject. I did not say anything about the insurers paying out on a claim. In fact there are many exclusions other than no MOT or TAX that will stop a claim being paid. E.g. leaving the keys in the car in a petrol garage often means you won't get paid if the car is stolen.
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>>Rubbish ,just try and make a claim in such circumstances and see what happens.
He said it would meet legal requirements which it would.
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So I drive a car with a bald tyre, therefore not roadworthy. I then crash into another car. Are you saying that the insurance company would not pay out to the third party? I think not!
This is the whole point, the third party is protected by the legal requirement for a minimum of third party cover.
You would not be prosecuted for no insurance. You would of course be prosecuted for no mot, tax, bald tyre, dangerous driving etc
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Oh Yes!they would pay and then try to re-cover the money from you.
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>Oh Yes!they would pay and then try to re-cover the money from you.
The point made though was that he would not fall foul of the law, which is his main worry.
He gets insurance cover
He books an MOT appointment costing £27
He takes extra care when he rides it to the MOT centre, let's face it nothing untoward is going to happen.
Job done no laws broken.
If I were you OP and booking an MOT is not the solution you are looking for, I haven't heard that the congestion charge cameras flag up non-tax and non-mot cars, so don't worry about it ride at night if your lights work, ride in the daytime if they dont.
Actually the congestion charge is not charged at night time...isn't it? Maybe the cameras are switched off at night? Or you could cover over half your plate with Yellow paper then at a glance it appears your plate is correctly on display, but the system won't be able to recognise your plate...obviously illegal.
Or here's a good idea remove your number plate and walk the bike out of the congestion zone, it can't be that far!
www.cclondon.com/download/DetailMapCCZ.pdf
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i dont have a trailer and its too expensive to get the garage to pick it up for me, so i might have to take the risk. thanks again people!
This is both irresponsible and dangerous, you will be putting other road users at risk. Who knows what is wrong with the bike?
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Irresponsible and dangerous? Yes, that's why biking is so much fun. Book an mot fat a station half the distance between the starting point and your home, the mot will tell you what work needs to be done, and you can genuinely answer a police officer's queries. They'll probably say you should have booked it into somewhere closer, but just plead ignorance and be polite, as long as there's nothing blatant I don't think you'll get too much hassle, and that's if they stop you.
Hire a van for a weekend if you are unsure, of see if a mate with a van will do you a favour and pick it up.
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And what would happen if you did get done! A smack on the wrist,three months or paying compensation to the parents of the child you killed for the rest of your life!No wonder there are so many hit-and-runs!!!
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Just wondering... what is the situation with vehicles with no tax and/or MOT that are being towed or trailered where their rear number plate is still visible - if they are picked up on ANPR cameras, be it congestion, road tax etc, would the picture automatically be checked before a fine is issued? Or is the whole process so automated that such a thing could be sent out without a human ever seeing the picture first?
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tinyurl.com/2ugxxx {Link to tfl-cc.custhelp.com shortened as was screwing up the page width - DD}
That link should take you to a very badly worded answer (I voted it a 0 rating for having answered the question) but they seem to imply that towed vehicles are exempt if towed 100% of the time in the zone. I'd think the process is automatic and you would have to appeal the fine for non payment.
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