WikiWirral is where great friendships are made.
Forum Statistics
Posts1,003,651
Topics74,248
Members12,617
Forums66
Posts in last 24hrs33
Most Online7,831
Apr 8th, 2013
Who's Online Now
57 registered members (8HBob, 13 invisible), 1,121 guests, and341 spiders.
Key: Admin, Global Mod, Mod
Social Media : Follow Us


Popular Topics(Views 7days)
223 AF14 UGH
New General Forums
All getting too much!
by venice. 21st Apr 2018 1:54am
Is there such a site?
by venice. 21st Apr 2018 12:33am
Hello and can anyone help me?
by schoolgal22. 17th Apr 2018 12:41pm
Rail Fares
by diggingdeeper. 15th Apr 2018 3:31am
New Wirral History
start of wirral way from Hooton to Hadlow Road
by schoolgal22. 19th Apr 2018 2:53pm
Gravestone?
by chris58. 1st Apr 2018 9:46pm
Where is this Birkenhead wartime street?
by yoller. 24th Mar 2018 8:03am
Wirral Journal (again!)
by Cobby. 4th Mar 2018 4:43pm
62 Sun Inn 203 Bridge Street 203/205
by . 10th Oct 2016 4:03pm
Forum Tips
Photo Gallery Forums
Terracotta Warriors 2
Terracotta Warriors
Topic Replies
Single beds.
by derekdwc. 22nd Apr 2018 6:12pm
4 bridges completion delay
by diggingdeeper. 22nd Apr 2018 6:11pm
Apple Watch Sport Series 1 38mm
by DavidB. 22nd Apr 2018 11:53am
laptop broblem
by Habdab. 21st Apr 2018 10:36pm
Strange happenings
by Peter88. 21st Apr 2018 9:00pm
Black & Decker 400W 230V Reciprocating Saw
by ianyam. 21st Apr 2018 8:36pm
What song are you listening to?
by snowhite. 21st Apr 2018 10:14am
Is this crime against humanity
by snowhite. 21st Apr 2018 10:03am
Random pics of local and national history
by venice. 21st Apr 2018 1:39am
April
M T W T F S S
1
2 3 4 5 6 7 8
9 10 11 12 13 14 15
16 17 18 19 20 21 22
23 24 25 26 27 28 29
30
Recent Posts : What's On ?
Christs Passion For Wirral
by Excoriator. 1st Apr 2018 12:25pm
Gwrych Castle
by missmahjong. 1st Apr 2018 8:41am
Previous Topic
Next Topic
Print Topic
Rate Topic
MOT Vs Insurance??? #96214
16th Nov 2004 3:54pm
16th Nov 2004 3:54pm
Joined: Nov 2003
Posts: 12,002
Wirralshire
StuyMac Offline OP
Wiki Master
StuyMac  Offline OP
Wiki Master
Joined: Nov 2003
Posts: 12,002
Wirralshire
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 confused ?


[Linked Image]

What If There Were No Hypothetical Questions?
Google Ads
Re: MOT Vs Insurance??? #96215
16th Nov 2004 4:04pm
16th Nov 2004 4:04pm
Joined: Dec 2003
Posts: 2,943
Wirral
Tony MK2 Offline
Forum Master
Tony MK2  Offline
Forum Master
Joined: Dec 2003
Posts: 2,943
Wirral
Quote
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 happy


[Linked Image]
Re: MOT Vs Insurance??? #96216
16th Nov 2004 4:11pm
16th Nov 2004 4:11pm
Joined: Nov 2003
Posts: 21,186
Wirral
Mark Offline

Wiki Master
Mark  Offline

Wiki Master
Joined: Nov 2003
Posts: 21,186
Wirral
Quote
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... think

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 History

we get +200 new members a month now smile
Re: MOT Vs Insurance??? #96217
16th Nov 2004 4:13pm
16th Nov 2004 4:13pm
Joined: Nov 2003
Posts: 12,002
Wirralshire
StuyMac Offline OP
Wiki Master
StuyMac  Offline OP
Wiki Master
Joined: Nov 2003
Posts: 12,002
Wirralshire
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 wink

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 smile

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 confused


[Linked Image]

What If There Were No Hypothetical Questions?
Re: MOT Vs Insurance??? #96218
16th Nov 2004 4:20pm
16th Nov 2004 4:20pm
Joined: Nov 2003
Posts: 21,186
Wirral
Mark Offline

Wiki Master
Mark  Offline

Wiki Master
Joined: Nov 2003
Posts: 21,186
Wirral
omg Phew, thanks for wear and tear..

Okay need an experto on this one to clear it up for us confused peeps..


My Avatar images are all from the Wirral Gallery.Click Me
Wow Wirral History is coming along Great! Wirral History

we get +200 new members a month now smile
Re: MOT Vs Insurance??? #96219
16th Nov 2004 4:30pm
16th Nov 2004 4:30pm
Joined: Oct 2004
Posts: 467
Wirral
rossi-foci Offline
Smartchild
rossi-foci  Offline
Smartchild
Joined: Oct 2004
Posts: 467
Wirral
i'm no expert by any means, but when you get an MOT they tell you about tyres wearing or brakes being a bit thin / advise dnt they? but surely if a testing station passed your car and something then goes wrong with it (slash a de-cat pipe) then its their fault for not noticing it in the first place? and if you put it on after the MOT you could just say it was on when you had an MOT and it must have passed the test with it on couldnt you?
Ok Ive just confused myself aswell there so this post probably wont be any help, but you see what i'm tryna get at, that you could jus put the blame on them?! You should still be insured because there is no proof is there? like if your brakes wear and you dont notice...its not your fault is it and its still got the MOT?!
I'll stop ranting **** now!

Re: MOT Vs Insurance??? #96220
16th Nov 2004 4:33pm
16th Nov 2004 4:33pm
Joined: May 2004
Posts: 6,261
Birkenhead
C
Cali_16v Offline
Wiki Guide
Cali_16v  Offline
Wiki Guide
C
Joined: May 2004
Posts: 6,261
Birkenhead
I have worked in a brokers and now work in claims. your policy booklet states your car must be ion a road worthy manor for your insurance to be valid, i.e pass an mot. if you have an accident and your car is found to be in an unroadworthy state your policy will become null and void. therefor it is on your head to keep it in good condition.


[Linked Image]

Re: MOT Vs Insurance??? #96221
16th Nov 2004 4:41pm
16th Nov 2004 4:41pm
Joined: Nov 2003
Posts: 12,002
Wirralshire
StuyMac Offline OP
Wiki Master
StuyMac  Offline OP
Wiki Master
Joined: Nov 2003
Posts: 12,002
Wirralshire
Fair comments smile

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.


[Linked Image]

What If There Were No Hypothetical Questions?
Re: MOT Vs Insurance??? #96222
16th Nov 2004 4:46pm
16th Nov 2004 4:46pm
Joined: Oct 2004
Posts: 467
Wirral
rossi-foci Offline
Smartchild
rossi-foci  Offline
Smartchild
Joined: Oct 2004
Posts: 467
Wirral
if i were you mate, i wouldnt let on that youve got the de-cat yeh, take it off for the MOT and if the insurance were to ever inspect it just say that youve never done anything to the exhaust and it might have been like that when it was imported and you didnt know it was illegal! i dont think u'd ever get pulled for it, espesh in that monster, its not like its a corsa or you look like a boy racer, just looks like a pure motor!

Re: MOT Vs Insurance??? #96223
16th Nov 2004 4:51pm
16th Nov 2004 4:51pm
Joined: Nov 2003
Posts: 12,002
Wirralshire
StuyMac Offline OP
Wiki Master
StuyMac  Offline OP
Wiki Master
Joined: Nov 2003
Posts: 12,002
Wirralshire
Sorry, its just a general question, my car doesnt require a CAT for the MOT as its not on the list of cars to test, so mine passed its emissions on the MOT with the Decat in place - the insurance know it as a custom exhaust from turbos back smile


[Linked Image]

What If There Were No Hypothetical Questions?
Re: MOT Vs Insurance??? #96224
16th Nov 2004 4:58pm
16th Nov 2004 4:58pm
Joined: Oct 2004
Posts: 467
Wirral
rossi-foci Offline
Smartchild
rossi-foci  Offline
Smartchild
Joined: Oct 2004
Posts: 467
Wirral
cool! well you could jus play the "i bought it like that" with any car i spose could ya! sounds a bit stupid but why not! cos realistically u wudnt know a de-cat if u pretended to not be into cars!

Re: MOT Vs Insurance??? #96225
16th Nov 2004 5:02pm
16th Nov 2004 5:02pm
Joined: Nov 2003
Posts: 12,002
Wirralshire
StuyMac Offline OP
Wiki Master
StuyMac  Offline OP
Wiki Master
Joined: Nov 2003
Posts: 12,002
Wirralshire
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 frown

Keep the comments coming smile


[Linked Image]

What If There Were No Hypothetical Questions?
Re: MOT Vs Insurance??? #96226
16th Nov 2004 6:07pm
16th Nov 2004 6:07pm
Joined: Nov 2003
Posts: 5,327
Birkenhead, Wirral.
Scooby Offline
Forum Veteran
Scooby  Offline
Forum Veteran
Joined: Nov 2003
Posts: 5,327
Birkenhead, Wirral.
Quote
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 !

Quote
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 happy 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 omg

Stewy, next time could you ask a simple question please <img border="0" alt="[I surrender]" title="" src="graemlins/cwemotions075.gif" />

Re: MOT Vs Insurance??? #96227
16th Nov 2004 10:51pm
16th Nov 2004 10:51pm
Joined: Oct 2004
Posts: 467
Wirral
rossi-foci Offline
Smartchild
rossi-foci  Offline
Smartchild
Joined: Oct 2004
Posts: 467
Wirral
LOL, spent a while "clearing that one up" ay scooby!? next time i'll jus wait to see what people who know what theyre talkin about say until i rant rubbish!

Re: MOT Vs Insurance??? #96228
17th Nov 2004 9:56am
17th Nov 2004 9:56am
Joined: Nov 2003
Posts: 12,002
Wirralshire
StuyMac Offline OP
Wiki Master
StuyMac  Offline OP
Wiki Master
Joined: Nov 2003
Posts: 12,002
Wirralshire
Bwhahahaha, cheers Scooby smile

Bet your fingers are killing you after that little lot wink


[Linked Image]

What If There Were No Hypothetical Questions?

Moderated by  StuyMac 

Random Wirral Images

Click to View Topic.
Newest Topics
Sheep Syndrome
by diggingdeeper. 20th Apr 2018 9:23pm
laptop broblem
by eggandchips. 20th Apr 2018 7:21pm
Old Ravehead Glassworks, St Helens
by diggingdeeper. 20th Apr 2018 4:35am
Birkenhead Salary Shame
by diggingdeeper. 20th Apr 2018 12:14am
AF14 UGH
by diggingdeeper. 19th Apr 2018 9:53pm
For Sale & Free
Black & Decker 400W 230V Reciprocating Saw
by ianyam. 21st Apr 2018 8:36pm
Apple Watch
by DavidB. 20th Apr 2018 7:40am
CRT computer monitor WANTED
by _Ste_. 16th Apr 2018 2:46am
Fender Frontman 10G Electric Guitar Amplifier
by ianyam. 15th Apr 2018 6:38pm
Roland Cube 20XL Electric Guitar Amplifier Combo
by ianyam. 15th Apr 2018 6:35pm
Member Spotlight
spider
spider
Birkenhead
Posts: 376
Joined: August 2009
Show All Member Profiles 
Newest Members
coldag74, William222, Peter88, Powelley, pat1953
12617 Registered Users
Today's Birthdays
No Birthdays
New Wirral Info
Metal disability handrail.
by Gold_Moon. 18th Apr 2018 9:23pm
Help - demented patchwork on digital channels
by Greenwood. 15th Apr 2018 9:46pm
Replastering cost
by iyoung. 14th Apr 2018 2:36pm
Rise in the Living Wage
by keef666. 6th Apr 2018 8:54am
Wirral Street-lamp Fault Reports
by diggingdeeper. 2nd Apr 2018 1:03pm
News : New Topics
Birkenhead Salary Shame
by diggingdeeper. 20th Apr 2018 12:14am
Crash on A540 Leahurst entrance.
by venice. 18th Apr 2018 8:33pm
It Wasn't Novichok
by diggingdeeper. 15th Apr 2018 2:47am
The new MOT.
by Excoriator. 14th Apr 2018 10:20pm
More Council Loans!
by diggingdeeper. 14th Apr 2018 4:16am
New Enthusiast Forums
Sheep Syndrome
by diggingdeeper. 20th Apr 2018 9:23pm
laptop broblem
by eggandchips. 20th Apr 2018 7:21pm
Old Ravehead Glassworks, St Helens
by diggingdeeper. 20th Apr 2018 4:35am
AF14 UGH
by diggingdeeper. 19th Apr 2018 9:53pm
Staffordshire rally 14th April 2018
by Detecting_wirral. 14th Apr 2018 8:42pm
Popular Topics(Views 24hrs)
Wirral Sunrise Sunset
Sunrise Sun 5:55am
Sunset Sun 8:26pm
Local Time Sun 9:11pm
Powered by UBB.threads™ PHP Forum Software 7.6.1.1