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MOT & Write-off

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Alpha-9
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PostPosted: 11:02 - 13 Jan 2013    Post subject: MOT & Write-off Reply with quote

Hi

So when my YBR was last crashed MCE wrote it off as class C, they told me I need to reMOT it before putting it back on the road (seemingly bullshit?)

But checking on the MOT checker on gov.uk my MOT is still valid until the 27th
So, I can just insure it surely as it's not changed on the DSA database so wouldnt be flagged up by the popo?

Also according to

https://ownvehicle.askmid.com/askmid.aspx
YES *MY REG* IS showing as insured on the Motor Insurance Database today.

lol wut?
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GaZ
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PostPosted: 11:09 - 13 Jan 2013    Post subject: Reply with quote

If its written off I think it needs a fresh MOT to make sure it is road worthy. I'm not an expert though.

GaZ
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Alpha-9
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PostPosted: 11:14 - 13 Jan 2013    Post subject: Reply with quote

GaZ wrote:
If its written off I think it needs a fresh MOT to make sure it is road worthy. I'm not an expert though.

GaZ

But it still shows as having a valid MOT on the DVLA database so how would they know?

MCE havent taken any payments since then but it still shows as insured which is weird, going to reinsure it and ride it, fuck it
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Ronin
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PostPosted: 11:25 - 13 Jan 2013    Post subject: Reply with quote

Any vehicle that is deemed beyond economic repair has to be re mot'd before road use .

If you don't and you crash or it get's run over by a lorry the insurance will say it wasn't road worthy and void your insurance.

It's a get out clause for insurance companies really.Also its takes a while for the data to be removed.

Get it mot'd it's safer than not and cheaper than a 60 quid fine incase the data get's changed before the old mot runs out.
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Alpha-9
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PostPosted: 11:28 - 13 Jan 2013    Post subject: Reply with quote

Ronin wrote:
Any vehicle that is deemed beyond economic repair has to be re mot'd before road use .

If you don't and you crash or it get's run over by a lorry the insurance will say it wasn't road worthy and void your insurance.

It's a get out clause for insurance companies really.Also its takes a while for the data to be removed.

Get it mot'd it's safer than not and cheaper than a 60 quid fine incase the data get's changed before the old mot runs out.

Am getting it MOT'd asap, just need a bit of leeway to get it there Wink
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moppy
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PostPosted: 11:32 - 13 Jan 2013    Post subject: Reply with quote

Alpha-9 wrote:
Ronin wrote:
Any vehicle that is deemed beyond economic repair has to be re mot'd before road use .

If you don't and you crash or it get's run over by a lorry the insurance will say it wasn't road worthy and void your insurance.

It's a get out clause for insurance companies really.Also its takes a while for the data to be removed.

Get it mot'd it's safer than not and cheaper than a 60 quid fine incase the data get's changed before the old mot runs out.

Am getting it MOT'd asap, just need a bit of leeway to get it there Wink
You can drive without an MOT as long as you have a pre booked MOT and youre riding straight there.
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Ichy
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PostPosted: 11:38 - 13 Jan 2013    Post subject: Reply with quote

The insurance company cannot remove it from the MOT database. What they will do is void any policy you take out if they find out that you didn't MOT it before taking out new insurance. The most likely time that this will happen is if you try to make a claim since they will request all the paperwork and put serious effort into squirming out of paying. It's the risk you take.
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Alpha-9
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PostPosted: 11:45 - 13 Jan 2013    Post subject: Reply with quote

Vincent wrote:
Don't you need to MOT it to get the V5 back, (needed for tax),?

The V5 didn't go anywhere, bike is still taxed
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Shaft
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PostPosted: 12:13 - 13 Jan 2013    Post subject: Reply with quote

Ronin wrote:
Any vehicle that is deemed beyond economic repair has to be re mot'd before road use .

If you don't and you crash or it get's run over by a lorry the insurance will say it wasn't road worthy and void your insurance.



That isn't true.

There is no requirement to get a Cat C (or D) motorcycle inspected after repair, either in the form of an MOT or any other kind of test.

Also, a valid MOT cannot be held to be a guarantee of roadworthiness at any point other than during the test itself.

It is true that some insurance companies may ask to see an MOT, but not all of them do and in the case of buying a Cat C with no V5, all you have to do is apply for one.

The rules for cars are different.
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Alpha-9
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PostPosted: 12:14 - 13 Jan 2013    Post subject: Reply with quote

Shaft wrote:
Ronin wrote:
Any vehicle that is deemed beyond economic repair has to be re mot'd before road use .

If you don't and you crash or it get's run over by a lorry the insurance will say it wasn't road worthy and void your insurance.



That isn't true.

There is no requirement to get a Cat C (or D) motorcycle inspected after repair, either in the form of an MOT or any other kind of test.

Also, a valid MOT cannot be held to be a guarantee of roadworthiness at any point other than during the test itself.

It is true that some insurance companies may ask to see an MOT, but not all of them do and in the case of buying a Cat C with no V5, all you have to do is apply for one.

The rules for cars are different.

Any source either way?

Would like to know for sure Razz
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Shaft
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PostPosted: 12:31 - 13 Jan 2013    Post subject: Reply with quote

Here is a snip from a response to an FOI request on the subject:

"It is firstly important to note that write off categories are not immutable
rules but rather the opinions of those assessors inspecting the vehicle.
Therefore it is entirely possible for a category C write off from one
provider could be a category B from another.

Taken that into account to return a written off motorcycle to the road
requires only that the vehicle be repaired to a road worthy standard. Some
insurance providers require a new MOT be conducted but this is purely their
own company policy and not national law any pre-existing MOT remains valid
regardless of a write off.


A scheme called the Vehicle Identity Check (VIC) operates in regard to
written off cars where they have to have their identity confirmed after a
write off. However this inspection does not apply to motorcycles and even
for cars in non-statutory (i.e. the car can still be used if it has all the
normal documentation regardless of the need for a VIC)."

I can post a link to the webpage, if you like, but that's what VOSA say.
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Alpha-9
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PostPosted: 12:36 - 13 Jan 2013    Post subject: Reply with quote

Shaft wrote:
Here is a snip from a response to an FOI request on the subject:

"It is firstly important to note that write off categories are not immutable
rules but rather the opinions of those assessors inspecting the vehicle.
Therefore it is entirely possible for a category C write off from one
provider could be a category B from another.

Taken that into account to return a written off motorcycle to the road
requires only that the vehicle be repaired to a road worthy standard. Some
insurance providers require a new MOT be conducted but this is purely their
own company policy and not national law any pre-existing MOT remains valid
regardless of a write off.


A scheme called the Vehicle Identity Check (VIC) operates in regard to
written off cars where they have to have their identity confirmed after a
write off. However this inspection does not apply to motorcycles and even
for cars in non-statutory (i.e. the car can still be used if it has all the
normal documentation regardless of the need for a VIC)."

I can post a link to the webpage, if you like, but that's what VOSA say.


Brilliant thank you, I thought this was the case
Not with MCE now anyway, over to bikesure Thumbs Up
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CaNsA
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PostPosted: 12:37 - 13 Jan 2013    Post subject: Reply with quote

Just get it MOT'd you cheap fucker.

Considering your level of hamfisted spannery it would be a good idea to get it looked over.
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Alpha-9
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PostPosted: 12:41 - 13 Jan 2013    Post subject: Reply with quote

CaNsA wrote:
Just get it MOT'd you cheap fucker.

Considering your level of hamfisted spannery it would be a good idea to get it looked over.

It's going to be MOTd

But it's sunday and I wanna pickup
penis breath
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daemonoid
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PostPosted: 12:44 - 13 Jan 2013    Post subject: Reply with quote

Shaft wrote:
That isn't true.

There is no requirement to get a Cat C (or D) motorcycle inspected after repair, either in the form of an MOT or any other kind of test.

Also, a valid MOT cannot be held to be a guarantee of roadworthiness at any point other than during the test itself.

It is true that some insurance companies may ask to see an MOT, but not all of them do and in the case of buying a Cat C with no V5, all you have to do is apply for one.

The rules for cars are different.


It is true - you enter into a contract with insurance companies and it'll buried within the T&Cs or the conditions of insurance. That contract is over and above the basics of the law.

If you enter a contract then you agree to abide by those rules. If the insurers insist upon it then you can do one of two things:
1. Go somewhere else
2. Do it
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CaNsA
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PostPosted: 12:45 - 13 Jan 2013    Post subject: Reply with quote

Alpha-9 wrote:
It's going to be MOTd

GOOD!
Quote:
penis breath

Ya Ma!
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Spudly
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PostPosted: 12:47 - 13 Jan 2013    Post subject: Reply with quote

Tough search, but found this: https://www.whatdotheyknow.com/request/returning_a_motorcycle_to_the_ro

No doubt there is more out there. I seem to remember reading a thread about this just after I joined. The final consensus was that a car needed a VIC test, but a bike didn't. Literally just a matter of replacing the broken parts and if the MOT is still in its time, you are legal.

The insurance companies may have additional rules, but that's up to them. They are only required to comply with the bare minimum as stated by the legislation, if they choose to exceed those requirements by asking for a fresh MOT, that's up to them.


Edit: Fucksakes, I spent the time searching and typing and shaft beat me to it!
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Last edited by Spudly on 12:50 - 13 Jan 2013; edited 1 time in total
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c-m
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PostPosted: 12:49 - 13 Jan 2013    Post subject: Returning an insurance write off to the road Reply with quote

You do not need a new MOT to return a category C or D motorcycle to the road.

After my ZX9R was written off I researched this and wrote to VOSA.

As there was preceious little information around I wrote an article on how to return a category C write off to the road

The quote contain all you need to know. However if your still not convinced, I also linked through to the original VOSA response.
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Alpha-9
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PostPosted: 12:50 - 13 Jan 2013    Post subject: Reply with quote

Well i've bollocked off MCE and renewed with a new insurance company which should solve that one Thumbs Up

Seems legit, will MOT in the week then and use to get to work.
Fuck-a-you buses!

Thanks all, helpful Karma Thumbs Up

And that was still helpful as you posted the link rather than the snippet! Mr. Green

The clocks are cable tied and duct taped on...seems legit
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Shaft
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PostPosted: 12:57 - 13 Jan 2013    Post subject: Reply with quote

daemonoid wrote:
Shaft wrote:
That isn't true.

There is no requirement to get a Cat C (or D) motorcycle inspected after repair, either in the form of an MOT or any other kind of test.

Also, a valid MOT cannot be held to be a guarantee of roadworthiness at any point other than during the test itself.

It is true that some insurance companies may ask to see an MOT, but not all of them do and in the case of buying a Cat C with no V5, all you have to do is apply for one.

The rules for cars are different.


It is true - you enter into a contract with insurance companies and it'll buried within the T&Cs or the conditions of insurance. That contract is over and above the basics of the law.

If you enter a contract then you agree to abide by those rules. If the insurers insist upon it then you can do one of two things:
1. Go somewhere else
2. Do it



No, it isn't true.

There is no statutory requirement to get a written off motorcycle MOT'd after repair.

As I (and the VOSA man) said, some insurance companies ask for it, some don't, it's up to the individual company; if yours didn't, then they can't refuse a claim on that basis.

The blanket statement "any vehicle that is deemed beyond economic repair, has to be re MOT'd before road use" is factually incorrect and that's what I responded to.

Edit: I should also dispell the myth that a VIC is some sort of MOT.

It may be carried out by a VOSA agent at a VOSA test centre, but it is purely an inspection to determine that the vehicle in front of them is the same as the one on the DVLA records.

It is not a test of roadworthiness, or of the quality of the repair, a vehicle can be a death trap and still pass a VIC.
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Vracktal
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PostPosted: 13:18 - 13 Jan 2013    Post subject: Reply with quote

Another thing to know about VIC checks is that you only need to have your car tested after a writeoff if you want to get a replacement V5C or sell it. If your car has a marker out against it, you can still drive, tax, and insure it with no problems as long as you don't lose the V5C you already have. (Since you won't be able to get a replacement.)

My Volvo has had a VIC check marker due for over a year now, i've had no problems and it sailed through it's MOT, they never mentioned it when I re-insured it or taxed it either. And since I refuse to pay the DVLA £40 for the privilege of getting to drive my car an hour's drive to one of their centres just so a guy can look at it and go "Yup, it's still a Volvo" and tick a box on a form. (Although for some reason you're not allowed to watch your car being tested- I'm assuming so the tester can nick the change out your ashtray and deny it later).

Honestly it's probably gonner have that marker on it until I get bored of it and scrap it.
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Alpha-9
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PostPosted: 14:51 - 13 Jan 2013    Post subject: Reply with quote

Aww yes, seems fine

Actually seems better than ever now i've adjusted bits like the handlebars to get the ride feel right

I've missed this bike so much! It seems so smooth and nice and easy compared to the CGs ive been dealing with, heavier than my cg for sure Laughing , I lift up the rear of my CG to turn it around to get it out the garden, can't do it with the YBR

"They're the same weight!!!!" Screams BCF Wink
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P.addy
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PostPosted: 15:05 - 13 Jan 2013    Post subject: Reply with quote

Alpha,

I have ridden all of my crashed bikes after an accident, never re-MOT'd them and all of them caused some form of "needed recovery" damage.

I never got asked by insurers, it never expired when I crashed or whatever and I always got paid out no quibbles.

Take it as you will..

I will still refuse to MOT my crashed bikes if it hasn't passed the expiry date, unless they are willing to pay for it that is.
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