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bike written off by insurer questions????
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My bike was written off by a hideous act of vandalism a few weeks back.
It was worth about =A31500 and I had that on the insurance details, etc.
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I think he may be right in a pedantic way. Doesn't the MoT state on it
words to the effect that it's only a statement of roadworthiness *at the
time of issue*.
So the MoT bears no relation to roadworthiness at any other time, just that
the vehicle is *road legal* for the period of the MoT, unless otherwise
decided by the plod-person who pulls you 45 minutes after the test, when
you've put the loud can back on, for example.....
I think you've just been sidetracked.
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I had let the MOT lapse at the time of the vandalism now I expect I
will get pennies for my bike.
eek, should I try and step in before it gets salvaged or just hope for
the best. Does a lapsed MOT devalu the bike seriously?
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No. Think of SORNed bikes.
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You can answer your own question here.
How much would you pay for a bike with 12 months ticket - how much
would you pay for the same bike without an MOT certificate?
Your "valuation" of the bike is irrelevant, it just suggests the
maximum figure that the InsCo will pay you in the event of total loss.
The market value of your £1500 bike with no MOT is probably a couple
of hundred quid and that is what they'll pay you - effectively salvage
value.
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As your bike does not have an MOT certificate, and, as such, is not
roadworthy your insurance company will not pay a penny.
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......is completely the wrong answer.
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It shouldn't do, unless the reason it wasn't MOT'ed is because it
needed vast amounts of money thrown at it.
At this time of year, assuming it elapsed not too long ago, I'd
probably try the angle of 'well, I didn't bother getting it re-MOT'ed,
as I'm a fairweather boofty and was going to mothball it til the
spring'.
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Cheers for any advice!
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