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MOT Vs Insurance??? #96214
16th Nov 2004 3:54pm
16th Nov 2004 3:54pm
Joined: Nov 2003
Posts: 12,002
Wirralshire
StuyMac Offline OP
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StuyMac  Offline OP
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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 confused ?


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Re: MOT Vs Insurance??? #96215
16th Nov 2004 4:04pm
16th Nov 2004 4:04pm
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Wirral
Tony MK2 Offline
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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


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Re: MOT Vs Insurance??? #96216
16th Nov 2004 4:11pm
16th Nov 2004 4:11pm
Joined: Nov 2003
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Wirral
Mark Online Reading

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Mark  Online Reading

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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 ??


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Re: MOT Vs Insurance??? #96217
16th Nov 2004 4:13pm
16th Nov 2004 4:13pm
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Wirralshire
StuyMac Offline OP
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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 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


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Re: MOT Vs Insurance??? #96218
16th Nov 2004 4:20pm
16th Nov 2004 4:20pm
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Mark Online Reading

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omg Phew, thanks for wear and tear..

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


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Re: MOT Vs Insurance??? #96219
16th Nov 2004 4:30pm
16th Nov 2004 4:30pm
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rossi-foci Offline
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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
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Cali_16v Offline
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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.


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Re: MOT Vs Insurance??? #96221
16th Nov 2004 4:41pm
16th Nov 2004 4:41pm
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StuyMac Offline OP
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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.


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Re: MOT Vs Insurance??? #96222
16th Nov 2004 4:46pm
16th Nov 2004 4:46pm
Joined: Oct 2004
Posts: 467
Wirral
rossi-foci Offline
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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
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StuyMac Offline OP
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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


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Re: MOT Vs Insurance??? #96224
16th Nov 2004 4:58pm
16th Nov 2004 4:58pm
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Wirral
rossi-foci Offline
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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
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Wirralshire
StuyMac Offline OP
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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 frown

Keep the comments coming smile


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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
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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
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Posts: 467
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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
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Posts: 12,002
Wirralshire
StuyMac Offline OP
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StuyMac  Offline OP
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Bwhahahaha, cheers Scooby smile

Bet your fingers are killing you after that little lot wink


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