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MOT Vs Insurance???
#96214
16th Nov 2004 3:54pm
16th Nov 2004 3:54pm
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Joined: Nov 2003
Posts: 12,002 Wirralshire
StuyMac
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Posts: 12,002
Wirralshire
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You might be able to help clear this up for me. Fitting a decat? Fitting a decat invalidates your MOT as it is required for emissions, and an invalid MOT means invalid insurance...... How can the insurance company accept the declaration if it invalidates everything  ?
What If There Were No Hypothetical Questions?
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Re: MOT Vs Insurance???
#96215
16th Nov 2004 4:04pm
16th Nov 2004 4:04pm
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Joined: Dec 2003
Posts: 2,943 Wirral
Tony MK2
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Wirral
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Fitting a decat invalidates your MOT as it is required for emissions, and an invalid MOT means invalid insurance...... i think someone told me that there is a decat out there that passes the MOT but i'm not sure your best bet would be to contact scooby at Auto safe and he maybe able to help you matey hope this helps 
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Re: MOT Vs Insurance???
#96216
16th Nov 2004 4:11pm
16th Nov 2004 4:11pm
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Joined: Nov 2003
Posts: 21,235 Wirral
Mark
 
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Wirral
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Originally posted by StuyMac: and an invalid MOT means invalid insurance......
But does it ? As far as i'm aware an MOT is only good the day its written... So that would mean just about all insurance policy's are doomed... Good point raised, i think it all becomes very relevent when you need to clam so its a vaild point stuy. My brakes could be fine today, Broken tomorrow... But would i be insured ??
My Avatar images are all from the Wirral Gallery.Click Me Wow Wirral History is coming along Great! Wirral Historywe get +200 new members a month now
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Re: MOT Vs Insurance???
#96217
16th Nov 2004 4:13pm
16th Nov 2004 4:13pm
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Joined: Nov 2003
Posts: 12,002 Wirralshire
StuyMac
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Its just something Ive been wondering about. Despite my car being made in the year a CAT was required, it does not appear on the list of cars to test The 200SX S13 was the same - they made them to an "M" reg, and they where not on the list of cars to test for a CAT, and despite them being a 1995 car, a CAT was not required Also, I hear what you are saying webby, but brakes / tyres etc are all wear and tear, a Decat pipe is a concious decision which would fail 
What If There Were No Hypothetical Questions?
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Re: MOT Vs Insurance???
#96221
16th Nov 2004 4:41pm
16th Nov 2004 4:41pm
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Joined: Nov 2003
Posts: 12,002 Wirralshire
StuyMac
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Wirralshire
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Fair comments But how can an insurance company allow you to declare it? Your phoning them to let them know youve fitted something to your car which will make it fail an MOT........ and they bump your premuim up a little.
What If There Were No Hypothetical Questions?
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Re: MOT Vs Insurance???
#96225
16th Nov 2004 5:02pm
16th Nov 2004 5:02pm
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Joined: Nov 2003
Posts: 12,002 Wirralshire
StuyMac
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You could but, Im sure you'd find out at MOT time, and if you had the car for more than a year, that excuse wouldnt work. Sorry if Im sounding argumentitive - its not intentional, its just kinda hard to put what I mean in to words Keep the comments coming 
What If There Were No Hypothetical Questions?
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Re: MOT Vs Insurance???
#96226
16th Nov 2004 6:07pm
16th Nov 2004 6:07pm
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Joined: Nov 2003
Posts: 5,327 Birkenhead, Wirral.
Scooby
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Forum Veteran
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Posts: 5,327
Birkenhead, Wirral.
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Originally posted by StuyMac: Fitting a decat invalidates your MOT as it is required for emissions, and an invalid MOT means invalid insurance...... It is impossible to Invalidate a M.O.T. , As stated a M.O.T. is only valid for the time it was tested. Your car can pass an M.O.T. with 1.6mm of tread on a tyre (Legal Limit) and could very easily be illegal several days later. When carrying out a M.O.T. Test the tester is only assesing the vehicle at that given time and cannot fail the car because a component may become defective in the near future ! Most garages would give you an advisory note stating the tyres were on the limits for example but cannot fail the vehicle during the M.O.T. Test.================================================= If you look on any recent M.O.T. Certicicate it clearly states "Do NOT Take this certificate that the vehicle is in a satisfactory roadworthy condition"W.T.F. is that all about ?? ================================================= Insurance : Every insurer has different policies, it is best to contact your insurance company and ask your broker directly, one company may invalidate your insurance for no M.O.T. another one may not ! Despite my car being made in the year a CAT was required, it does not appear on the list of cars to test. The 200SX S13 was the same - they made them to an "M" reg, and they where not on the list of cars to test for a CAT, and despite them being a 1995 car, a CAT was not required Every single vehicle has to go through an emissions test if manufactured after 1968 of somit stupid like that. Depending upon the year of registration the values become different to which your emissions must be below. As a rule most " K Reg " (August 1992 onwards) must go through an "Catalyst" Test which has very tight emissions limits that your car must be within to enable it to pass, However there is a very small percentage of vehicles for approx 24 months that were not included in the database because the car would simply fail, even if it were brand new. Basically they were manufactured with higher emissions therefore the Ministry of Transport (Now V.O.S.A.) allowed them to be excluded from the tighter emissions law's for a short period of time, Hence the 200SX not having to have a "Catalyst Test" even though it was a 1995 model. The M.O.T. Tester simply puts your car details into his Emissions P.C. and the database determines the values the vehicle has to fall within. The Tester does not decide ! Phew The Ministry of Transport would independatly inspect the vehicle and also interview the M.O.T. Tester and this is when his notes come into effect !!! By writing a comment down about them it prooves that the brakes were inspected at the time of the M.O.T. Test and not missed, it also prooves the M.O.T. Tester noticed that they appeared to be worn, However the M.O.T. Tester cannot even remove a wheel or wheel trim to inspect them closer during a M.O.T. Test so he done the best that he could, made a decision based on the current M.O.T. regulations and advised the customer to have a full brake inspection. Thats the M.O.T. Tester in the clear now, but if he hadnt made the advisory notes it raises the question "Did the tester even look at the Brakes ??" Advisory notes are there to Protect the M.O.T. Tester in the event of an appeal and inform the customer of any points that may need further attention. Phew, Phew, Phew........When my M.O.T. comes around i have to carry out quite a few modifications to it to enable it to pass a M.O.T. Test. - Re-Fit one Catalyst.
- Remove the Sun-Strip.
- Re-wire rear fog lamp in the Lexus Lights i had fitted.
- Shorten both exhaust rear boxes.
This is a short list of the main items, Once passed the M.O.T. Test i put it all back to the way that it was within a couple of hours, My M.O.T. Is still 100% valid Stewy, next time could you ask a simple question please <img border="0" alt="[I surrender]" title="" src="graemlins/cwemotions075.gif" />
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AQUARIUM
by lincle. 8th Jan 2021 10:47am
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Toyah . .
by GaryFromWirral. 10th Jan 2021 1:39pm
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