Author Topic: old bike mart revelation  (Read 2224 times)

Offline spyke

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old bike mart revelation
« on: 10.02. 2011 18:28 »
Hi chaps,
I think it was in this months OBM a few paragraphs on whether  some insurance companies would insure a bike with no lights, they stated they would get  the insurance companies views sometime in the future , but as im building a Spitfire look a like ie no lights im a bit concerned.Any body got any comments or experience on the subject?
Spyke
A10 spitfire style

Offline lawnmowerman

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Re: old bike mart revelation
« Reply #1 on: 10.02. 2011 18:47 »
I think you may have some problems. If the bike (or vehicle) was built and originally registered with no lights it may be ok but as you are building a lookalike it is a bit of a grey area.
You may even have problems with the MOT but I believe that if every item of the lighting is removed a daytime MOT could be issued.
Personally I would be a bit nervous about riding on our roads without a brake light and I tend to use the headlamp at all times. With the poor standard of car driving and inconsideration to bikers nowadays we need all the help we can to be seen.
I am sure there are others on the forum who have bikes with no lights and daytime MOTs who will be able to recommend UK insurers.

Jim
1959 A10 SR
1938 Wolseley 14/60
1955 Ferguson TEF20 tractor
1965 Ferguson 135 tractor
1952 Matchless G80 rigid
1960 BMW R60
1954 Matchless G80S
1955 Ariel 500 VH
1951 Sunbeam S7DL
1960 Matchless G12 with Watsonian Monza
......and loads of lawnmowers

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Offline iansoady

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Re: old bike mart revelation
« Reply #2 on: 11.02. 2011 14:49 »
I can't answer the question specifically but I've found Peter James excellent. Unlike Carole Nash and Footman James, they haven't sold out to the big battalions and still have a human being who understands insurance on the other end of the phone.
Ian.
1962 Golden Flash (arrived)
1955 Velo Viper/Venom (departed)
2004 Triumph Tiger 955i (staying)

Offline Goldy

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Re: old bike mart revelation
« Reply #3 on: 11.02. 2011 17:00 »
I saw that in obm but there must still be daytime MOT,s because trials bikes don,t have lights and yet they ride on road sections.
56 A10 Golden Flash - Restore, ride, relive.                                          
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Offline NickSR

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Re: old bike mart revelation
« Reply #4 on: 11.02. 2011 20:50 »
Hi Spyke

I have contact in the MOT world, who is a classic biker seems to know all the right information, will see him in about 3 weeks, will ask him your question.

You could ask at your MOT station that you will be taking your Spitfire when its ready if you are like me I take the Super Rocket around the corner and C11G 25 miles away, the guys says the brakes not very good 1954 and they havent improved with age.

Regards
Nick
1962 Super Rocket
1955 BSA C11G
1998 BMW R850R

Offline Mosin

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Re: old bike mart revelation
« Reply #5 on: 15.02. 2011 15:40 »
I can't answer the question specifically but I've found Peter James excellent. Unlike Carole Nash and Footman James, they haven't sold out to the big battalions and still have a human being who understands insurance on the other end of the phone.

Based on your recommendation, today I have just renewed my insurance with Peter James and it came in at a full £50 cheaper than either Carole Nash or Footman James were able to quote. Needless to say I am one very happy lad indeed!

Cheers mate!
1960 A7 Shooting Star
1959 D3 Bantam
1994 Triumph Trident 900

North West England

Offline iansoady

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Re: old bike mart revelation
« Reply #6 on: 15.02. 2011 15:51 »
Excellent.

Oddly, Peter James couldn't match my FJ renewal quote for my modern Hinckley Tiger....
Ian.
1962 Golden Flash (arrived)
1955 Velo Viper/Venom (departed)
2004 Triumph Tiger 955i (staying)

Offline cyclobutch

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Re: old bike mart revelation
« Reply #7 on: 17.02. 2011 11:04 »
Did that include breakdown cover for mainland Europe?
Various, including ...
'58 Iron Head Flash Bitza


Offline iansoady

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Re: old bike mart revelation
« Reply #8 on: 17.02. 2011 15:55 »
My cover from Peter James does.
Ian.
1962 Golden Flash (arrived)
1955 Velo Viper/Venom (departed)
2004 Triumph Tiger 955i (staying)

Offline Brucie64

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Re: old bike mart revelation
« Reply #9 on: 18.02. 2011 10:57 »
Hi Spyke,

I have to say that I was filled with the same intrepidation as you when it came to putting my "Replica Spitfire" on the road. In reality is was a breeze, I have had the bike MOT'd at two different garages over the past few years and neither have batted an eyelid to its lack of lights (mine doesn't have any electrics other than the magneto for the engine). The only thing they stipluated was that the bike needed a rear reflector on the mudguard.

I used "ebike" to insure it and again they never questioned whether or not it had lights (I think it was around £90 fully comprehensive for the year based on 3-4k mileage).

Hope this puts your mind at rest
Ps (There is a photo of my bike in the 2010 picture competition if you want to closer look)

Regards
Bruce
Bruce
Spitfire
UK

Offline spyke

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Re: old bike mart revelation
« Reply #10 on: 19.02. 2011 08:51 »
thanks for that bruce ,did you tell the insurers exactly what the bike was ie a replica or did you just say it was an A10 and did you say it had no lights?

Spyke
A10 spitfire style

Offline Brucie64

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Re: old bike mart revelation
« Reply #11 on: 20.02. 2011 20:59 »
Hi Spyke,

No, my log book states the bike is a "BSA Spitfire" so thats what the insurers have detailed on my insurance certificate. I didn't mention that it didn't have any lights and they didn't ask!

I would have thought because the bike is classed as a vintage machine the insurers will know that it will only be used now and again on a Sunday afternoon and vary sparingly at that so the fact that it might not have electrics isn't really a concern to them. I think someone else mentioned earlier on this topic that loads of trials and scambler bikes can be road legal and yet have no lights, I wonder how many of their owners have mentioned or been asked by their insurers if their bikes had lights?
Bruce
Spitfire
UK

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Re: old bike mart revelation
« Reply #12 on: 20.02. 2011 22:14 »
I think that you are supposed to have a brake light fitted though

John

Offline iansoady

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Re: old bike mart revelation
« Reply #13 on: 21.02. 2011 11:13 »
I think that you are supposed to have a brake light fitted though

John

I used to think that although this link would indicate otherwise.
Ian.
1962 Golden Flash (arrived)
1955 Velo Viper/Venom (departed)
2004 Triumph Tiger 955i (staying)

Offline NickSR

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Re: old bike mart revelation
« Reply #14 on: 02.03. 2011 23:59 »
Hi Spyke
Spoke to my contact who is high up in the MOT world and he give chapter and verse, no such thing as a Day Time MOT, if you wish to have no lights then you would need a rear brake light and reflector.

Best of luck
Nick
1962 Super Rocket
1955 BSA C11G
1998 BMW R850R