claims risks with MOT exempt cars?|
Maintaining your car in a roadworthy
condition is a legal requirement and is usually a condition of your motor insurance
policy too. A successful annual MOT test provides useful independent evidence
that the car was examined and at the time of the test was in a roadworthy condition.
Together with any maintenance by a service specialist, in addition to routine
maintenance that a prudent owner would undertake, that provides useful evidence
that the owner/keeper had taken reasonable steps to ensure the car was in a roadworthy
The letter in this week's issue of Classic Car Weekly raises
two points: first the likelihood that insurers will demand some kind of
evidence from an inspection of the car that it was safe to drive and secondly
the scourge of the accident claims chasers may be seen encouraging "their
clients" involved in an accident with an MOT exempt classic car to make claims
on the basis the car was not roadworthy.
week's issue of the popular Classic Car Weekly has a letter from Terry
Marriott that raises interesting concerns with MOT exemption.
Federation for British Historic Vehicle Clubs (FBHVC) recommends "testing
even if it is not legally required". They add "we have ensured that
under the new arrangements the option of taking a voluntary test is retained
and our advice is to take this opportunity (of an annual test). A list of
testing stations experienced in working with historic vehicles is on our website".
In a previous NEWS item we suggested that even if your car is MOT exempt, continuing
to get a voluntary MOT or a voluntary TABS inspection and report is a prudent
step. Personal safety for both the driver and any passenger, together with other
road users, is an essential responsibility for any classic car owner. So it's
TABS - "test and be safer". More