Dnk Posted July 28, 2018 Share Posted July 28, 2018 (edited) Okay so since the new MOT rules came in i have a question A friend has a Mini Cooper which he has just de catted so in my head its now an MOT fail so not road worthy, he's declared to Adrian Flux brokers its de catted and they don't have a problem with it ? Edited July 28, 2018 by Dnk (see edit history) Quote Link to comment Share on other sites More sharing options...
mellonman Posted July 28, 2018 Share Posted July 28, 2018 I expect the insurer will stitch them up when they come to claim. That being said a MOT is just a snap shot of the car condition and could have passed with the decat Just like my single turbo did the other day Quote Link to comment Share on other sites More sharing options...
Dnk Posted July 28, 2018 Author Share Posted July 28, 2018 (edited) I expect the insurer will stitch them up when they come to claim. That being said a MOT is just a snap shot of the car condition and could have passed with the decat Just like my single turbo did the other day Yes but he's declared the mod saying the car is decatted, a decatted car shouldn't pass an MOT so they've insured him driving in theory an un roadworthy car. Sounds very dodgy to me and god knows where you would be if there was a claim, especially if a third party and injury was involved Edited July 28, 2018 by Dnk (see edit history) Quote Link to comment Share on other sites More sharing options...
mellonman Posted July 28, 2018 Share Posted July 28, 2018 Are you sure it's stated as decatted? I'm with AF and I'm sure the modification list is as simple a exhaust modifications. I guess they would take the same stance as they do with single turbo cars. It's not like they are more likely to have a claim due to a decat . Still wouldn't want to be the first to test the water though. Quote Link to comment Share on other sites More sharing options...
Dnk Posted July 28, 2018 Author Share Posted July 28, 2018 Are you sure it's stated as decatted? I'm with AF and I'm sure the modification list is as simple a exhaust modifications. I guess they would take the same stance as they do with single turbo cars. It's not like they are more likely to have a claim due to a decat . Still wouldn't want to be the first to test the water though. Thats what he told me and my first thought was hmmm thats a loophole to get out of paying up but then how can they insure it if its not road worthy Quote Link to comment Share on other sites More sharing options...
bignum Posted July 28, 2018 Share Posted July 28, 2018 How is it not roadworthy with just a decat though, who is af btw? Quote Link to comment Share on other sites More sharing options...
Ric Posted July 28, 2018 Share Posted July 28, 2018 Adrian Flux i'd assume - - - Updated - - - Adrian Flux i'd assume Quote Link to comment Share on other sites More sharing options...
Dnk Posted July 28, 2018 Author Share Posted July 28, 2018 How is it not roadworthy with just a decat though, who is af btw? Because it wont pass an mot now without the cat fitted, AF is Adrian Flux brokers Quote Link to comment Share on other sites More sharing options...
bignum Posted July 28, 2018 Share Posted July 28, 2018 Adrian Flux i'd assume - - - Updated - - - Adrian Flux i'd assume Of course, senior moment drrr., well a decat dont exactly make the car unsafe does it so can`t see an issue, its abit of a grey area with mods vs mot tbh. Quote Link to comment Share on other sites More sharing options...
Dnk Posted July 28, 2018 Author Share Posted July 28, 2018 (edited) Of course, senior moment drrr., well a decat dont exactly make the car unsafe does it so can`t see an issue, its abit of a grey area with mods vs mot tbh. Yes i agree its not unsafe but if it cant pass the MOT without one then how can it be insured without one ? Edited July 28, 2018 by Dnk (see edit history) Quote Link to comment Share on other sites More sharing options...
bignum Posted July 28, 2018 Share Posted July 28, 2018 So your buddy has a valid mot atm, his car doesnt then become an mot fail the moment he installs a decat, he just has to sort something out ready for next mot, surely? Quote Link to comment Share on other sites More sharing options...
bignum Posted July 28, 2018 Share Posted July 28, 2018 As long as he informs the insurance co about the modification and theyre ok with it thats fine. Quote Link to comment Share on other sites More sharing options...
Swampy442 Posted July 28, 2018 Share Posted July 28, 2018 Any insurer can only be gauged on how they deal with you AFTER you claim, until that point its largely moot. I guarantee the decat thing will be used as a get out clause if you claim Quote Link to comment Share on other sites More sharing options...
fullthrottle Posted July 29, 2018 Share Posted July 29, 2018 My understanding of the Mot law is that a car is road legal at time of test after that doesn't count therefore it's not worth the paper its written on Quote Link to comment Share on other sites More sharing options...
Dnk Posted July 29, 2018 Author Share Posted July 29, 2018 Yes i agree but now if you list your car as decatted how can it be road legal ? your pretty much telling your insurance company it won't pass the MOT Quote Link to comment Share on other sites More sharing options...
Delboy52 Posted July 29, 2018 Share Posted July 29, 2018 If an exhaust decat has been specifically declared with AF and they accept it and continue to take his money, they surely wouldn’t be able to use that against him in the event of a claim? If the Mini still gets through the emission test for that car (which will consider the cats to still be in place), he won’t need to swap the cats in for a day each year. But as I’ve found, mot inspectors have their own levels of tolerance in regards to mods. Quote Link to comment Share on other sites More sharing options...
Tricky-Ricky Posted July 29, 2018 Share Posted July 29, 2018 I would agree, despite the insurance company insuring it without the cat if it came to a claim i am pretty sure its an instant get out for them as without its classed as unroadworthy vehicle in the eyes of the law therefore not insurable, so they would just claim it was an over site and not honor the claim. Quote Link to comment Share on other sites More sharing options...
Delboy52 Posted July 29, 2018 Share Posted July 29, 2018 If the insurer signs the contract it’s on them, oversight or not. Otherwise it’d be such a massive get out clause they’d never have to pay out for anything to anyone ever again. Quote Link to comment Share on other sites More sharing options...
bignum Posted July 29, 2018 Share Posted July 29, 2018 Best to get confirmation off any insurance Co as list of mods so they can't worm out later. Quote Link to comment Share on other sites More sharing options...
The Raven Posted July 29, 2018 Share Posted July 29, 2018 wait so all our BPU and Single cars are not covered even tho we told the insurance? Quote Link to comment Share on other sites More sharing options...
bignum Posted July 29, 2018 Share Posted July 29, 2018 wait so all our BPU and Single cars are not covered even tho we told the insurance? And all mot failures so please don't drive it lol Quote Link to comment Share on other sites More sharing options...
Guest Budz86 Posted July 31, 2018 Share Posted July 31, 2018 So what happens if you get an MOT pass and an "advisory" (item to monitor and repair if necessary under new standards) because your tyres were on 2mm. A normally driven car would almost certainly wear that last 0.4mm within the year, and as soon as it drops below 1.6mm, the car is no longer road worthy and you should not drive on a public road. If you had an accident and it was noticed by the insurance company that you had bald tyres, it would invalidate ypur claim. Applying this train of thought to other areas of the standards, if it's required to have a cat it won't pass without one (same as tyres need to be 1.6mm or more in tread depth). You then take the car home and instead on swapping out your cat for your decat pipe, you fit drag/track slicks with no tread. Is that car still road legal? Most would probably agree it's not..... Quote Link to comment Share on other sites More sharing options...
bignum Posted July 31, 2018 Share Posted July 31, 2018 You missed the point, the guy called his insurance to tell them about the decat, they are fine with it, just make sure you get it in writing as a mod. Quote Link to comment Share on other sites More sharing options...
fullthrottle Posted August 1, 2018 Share Posted August 1, 2018 How many insurance assessors are really going to crawl under a damaged car and look to see if it has a cat these items do not really affect the road worthyness of a car Quote Link to comment Share on other sites More sharing options...
Karl M N Posted August 1, 2018 Share Posted August 1, 2018 How many insurance assessors are really going to crawl under a damaged car and look to see if it has a cat these items do not really affect the road worthyness of a car Depends on how badly they want to stitch you up. 17 year old I work with just had his policy voided because his car had a tiny little exhaust tip put in it. He didn’t even know it was a modification as he has no interest in cars. Quote Link to comment Share on other sites More sharing options...
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