Author Topic: Footman James - UK MOT requirement  (Read 433 times)

Offline lawnmowerman

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Footman James - UK MOT requirement
« on: 31.10. 2013 14:05 »
There has been discussion recently regarding certain insurers requiring an MOT on pre 1960 bikes even though this is no longer required by law.

I have just received a renewal from Footman James and I have been through the documents. The only reference I found was on page 16 of the "Specialist motorcycle insurance" booklet where it quotes under general exceptions:

"Any liability, loss or damage arising while any motorcycle covered by this insurance is being...............kept or used in an unsafe or unroadworthy condition or without a current MOT certificate (if one is needed)."

The insurance company is AON.

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

Too old to Rock and Roll but too young to die  (Jethro Tull 1976)

Offline Topdad

  • bob hebdon
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Re: Footman James - UK MOT requirement
« Reply #1 on: 31.10. 2013 15:36 »
Hi Jim, I'd take that to mean you'd be okay ,as a) I'll take a pound to pince of s*** that your (and my) bike is roadworthy and not unsafe and b) states on DVLA reg mot not required .However if still any dought I'd phone the ins company and note time/date of call and person confirming info. If he didn't confirm ok or couldn't then I'd wait until clarified before riding .I was of the opinion to get mine tested but have decided against it following my conversation with my insurer, REGARDS bOB.
" rules are made for the guidance of wise men and the blind obediance of fools"
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Offline lawnmowerman

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Re: Footman James - UK MOT requirement
« Reply #2 on: 31.10. 2013 15:53 »
Hi Bob

Yes I take it as being OK to use without an MOT but like all insurance companies who like to take and premiums and look for reasons not to pay they are covering themselves by saying that you are not covered if your bike is not roadworthy, even if you have an MOT. The MOT only confirms roadworthiness at the time of test.

I would imagine that if they wanted to they could examine your machine after an accident claim and declare it was unroadworthy and decide not to pay up.

Another interesting point is that it seems you are not covered if the vehicle is "kept" in an unroadworthy state so I guess if you are working on it in the garage, even if you lock the doors overnight and it is stolen then you are potentially not covered (although difficult to prove it unroadworthy if the evidence is gone and the parts up on eBay)  *smile*

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

Too old to Rock and Roll but too young to die  (Jethro Tull 1976)