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MOT exemption

Posted: Mon Aug 06, 2018 8:30 pm
by Phillmore
I just taxed my Conquest and was expecting to be asked whether it was MOT exempt . . . . . and I wasn't?

Re: MOT exemption

Posted: Mon Aug 06, 2018 9:34 pm
by Sydsmith
As I understand it Phil if a vehicles was exempt under the old rules it is still exempt and you don't have to declare it under the new VHI regulations. Syd

Re: MOT exemption

Posted: Tue Aug 07, 2018 8:08 am
by Phillmore
Oh I thought we were all in the same boat now.

Re: MOT exemption

Posted: Wed Aug 08, 2018 9:37 pm
by Paulkennedy
Am I the only one whose classic car insurance states that the car has to have an MOT if the agreed value needs to be paid out, otherwise it is just market value that is paid. This is from Footman James.
Paul

Re: MOT exemption

Posted: Thu Aug 09, 2018 9:27 am
by Chris_R
I think that could be challenged. The law does not require you to have one. I would try a different broker. That would be like saying that your car must have headlights that meet the latest regulations for modern cars if you intend to drive at night otherwise you're not insured.
Paying out on market value is not necessarily the bad thing that people imagine. It could actually work in your favour. The principle is that the insurance company must put you back in the position you were in before the loss. This means in a write off you must get enough money to go out and buy the same model car, of the same year and in the same condition. It's a bit more hassle to succeed but all you need to win that argument is some evidence of prices that have been achieved for the same car. Published price guides in the classic car magazines or on the Hagerty website will also be your friend here. For classic cars insurers are expected to consult specialist price guides for guidance on values. A friend recently had an underbonnet fire in his classic car. The engineer has said it's a write off (it's not but that's another story of engineer ignorance). The last agreed value was £12,000 but these agreed values are usually only valid for 2 years after which time they lapse. He had not updated the agreed value so the it had lapsed and he has now fallen back on "market value". He is currently negotiating in the £16,000 - £18,000 region. He wants £18k, the insurers have offered £16k.

Re: MOT exemption

Posted: Thu Aug 09, 2018 9:33 am
by JT7196
Good morning, my Lanchester is insured with Peter Jame Insurance, and having just read the last thread, I thought that I had better take a look at my insurance policy.
There was no mention about the fact that the vehicle must have an MOT if making an “ Agreed Value” insurance claim anywhere , so I phoned the company and asked the question.
The reply to my question fe MOT’s was..... “ As the Law states that certain vehicles are MOT exempt, then we as a company do Not require a vehicle to be MOT ‘d in the event of a claim.
However, it is up to the owner to ensure that the vehicle is in a “Roadworthy” condition, which actually would apply to any vehicle that is used on public roads.
So in conclusion, perhaps any of you chaps out there who are not sure, then best to put the question to you insurance Co , or just insure your vehicle with Peter James Insurance !

Cheers Al 😀😀

Re: MOT exemption

Posted: Thu Aug 09, 2018 9:41 am
by Salmons
Personally I have always had my Classics MOTd regularly as I consider it to be part of the car's History.

Dennis

Re: MOT exemption

Posted: Thu Aug 09, 2018 9:47 am
by JT7196
Yes so do I !!

Cheers Al😀

Re: MOT exemption

Posted: Sun Aug 12, 2018 1:30 pm
by Fossil
Moi aussi!

Both the Century (Dauphin) And SP will continue to be MoTd annually. Last month I discovered that the SP was overdue its MoT; I hadn't checked the date because it hasn't been used much this year. However it was also time to "renew" the VED, so I attempted to do that before the MoT, just to see what would happen. The online DVLA service presented me with an option to declare the vehicle as unmodified and requiring no MoT, or modified in a significant way, in which case an MoT was required. Since the car has Rack & pinion fitted I abandoned the attempt to tax it at that stage.

It was then submitted for MoT, which it passed with no advisories, and I returned to the DVLA website. This second time I completed the online process in the usual way without the option of declaring the vehicle as unmodified or modified being presented.

So, if you continue to present your old car for annual re-registration by the DVLA with a valid MoT, no further questions are asked. If without an MoT you are asked to declare that it is free from significant modification.

Cheers

fossil

Re: MOT exemption

Posted: Mon Aug 13, 2018 8:13 am
by Phillmore
Fossil wrote: Sun Aug 12, 2018 1:30 pm

So, if you continue to present your old car for annual re-registration by the DVLA with a valid MoT, no further questions are asked. If without an MoT you are asked to declare that it is free from significant modification.

Cheers

fossil
That was what I expected as the Conquest doesn't have an MOT but I was able to tax it without any query.