Triumph Torque Logo
 
Thursday, 24 May 2018 Register | Login

Message Board

NextRSSPreviousSocial Forums > The Hinckley Arms > Spotted on an FB bike group
Info
.
Message
onlineMustapha Dump
South East,
United Kingdom

Posts: 6,537
Enthusiast


icon05 Jan 2018 21:19
0850

"To all Carole Nash Policy Holders. If you have a Carole Nash Motorcycle Policy and you have a bike on that policy which is not covered by a Current MOT no matter if it is Sorned or not.... the Insurer will not pay out in the event of its theft or Damage!! I was only made aware of this today and after checking with C.N. this was confirmed."
-
Advertisement
Remove adverts by upgrading to a premier account
-
Rob NMTB
Redditch,
United Kingdom

Premier Member
Posts: 54,459
Speed Triple 1050


icon05 Jan 2018 21:23
tbh, that's bollox and I suspect the answer came from a typical CN telesales person

How can a bike in the process of being rebuilt get an MOT ?
-
Fretmeister
The Aquaduct?,
United Kingdom

Premier Member
Posts: 63,733
Tiger Explorer


icon05 Jan 2018 22:04
You don't need an MOT to get insurance.

What Rob says.
-
595daytona
Birmingham,
United Kingdom

Posts: 3,647
Daytona T595


icon05 Jan 2018 22:09
Call centre operators generally know jack s!$%. I've been one, at several companies. They are often agency staff or stop gap workers. They teach them the basic before they let them loose answering the phones. Carol Nash are no different.

If you want detailed, intelligent answers, you need to ask them to connect you up the food chain to somebody who knows the job and doesn't drag their knuckles on the floor. Obviously, don't word it that way or they will 'accidentally' cut you off.
-
McWill
scotland,
United Kingdom

Sprint ST (05->)


icon06 Jan 2018 08:50
That's insurance brokers for you...... what about a 8 month old bike that's on SORN or a bike just coming up to needing an M O T shortly that's on SORN

Just Googled this and it's been the case since 2011 no M O T can invalidate your insurance:frown:
-
Henpecked
Gtr Manchester,
United Kingdom

Premier Member
Posts: 1,579
Sprint ST (05->)


icon06 Jan 2018 10:06
Tha
McWill:
That's insurance brokers for you...... what about a 8 month old bike that's on SORN or a bike just coming up to needing an M O T shortly that's on SORN

Just Googled this and it's been the case since 2011 no M O T can invalidate your insurance:frown:


That is undoubted if the vehicle is being used on the road. Gives plod a larger fine to play with and more points for the court to hand out.
-
Flappytabs
Derbeeeshire,
United Kingdom

Posts: 19,400
Speed Triple 1050


icon06 Jan 2018 14:06
Mustapha Dump:
0850

"To all Carole Nash Policy Holders. If you have a Carole Nash Motorcycle Policy and you have a bike on that policy which is not covered by a Current MOT no matter if it is Sorned or not.... the Insurer will not pay out in the event of its theft or Damage!! I was only made aware of this today and after checking with C.N. this was confirmed."


this will be true if taken from or damaged away from the registered address.

If the bike is unroadworthy and taken from the locked garage in which it is registered they cannot decline cover on the grounds of MOT
-
trophydave
Nottingham,
United Kingdom

Posts: 500
Enthusiast


icon06 Jan 2018 16:04
I'm insured with CN.I queried this one a while back and was told No Mot=No insurance cover.
-
Rob NMTB
Redditch,
United Kingdom

Premier Member
Posts: 54,459
Speed Triple 1050


icon06 Jan 2018 16:26
This has to be on the road

for eg: you get home, notice the brake light bulb has blown and you have no spare. It obviously wouldn't pass an MOT, so does that mean the bike's not insured overnight ?

I maintain my original comment, 'tis bollox 02
-
Fretmeister
The Aquaduct?,
United Kingdom

Premier Member
Posts: 63,733
Tiger Explorer


icon06 Jan 2018 17:04
But if it has a current MOT?
Still insured. A lamp change is all it needs to pass an MOT anyway.

I suppose that insurers will include in small print that you must have an MOT, it is up to you to read it and then accept the contract.
To not query anything means you accept the terms of the contract, so the are within their rights I guess.
-
Rob NMTB
Redditch,
United Kingdom

Premier Member
Posts: 54,459
Speed Triple 1050


icon06 Jan 2018 19:35
An MOT cert means it's passed within the last 12 months, not that it's roadworthy, or that it would pass today

'tis still bollox 02
-
onlineNick
Birley Edge,
United Kingdom

Premier Member
Posts: 20,633
TT600 (00-01)


icon06 Jan 2018 19:38
I wouldn't use Carol Gash if they paid me....bunch of f!$%ing shysters.:thumbdown:
-
Flappytabs
Derbeeeshire,
United Kingdom

Posts: 19,400
Speed Triple 1050


icon07 Jan 2018 15:48
so i am insured with them, 2 of my bikes dont have an mot, there is no way in this earth that they could wriggle out of paying if they were stolen from home.

if on the other hand they were stolen from elsewhere then i can understand the no MOT bit.

Nick:
I wouldn't use Carol Gash if they paid me....bunch of f!$%ing shysters.:thumbdown:


never had any problem with them, i suppose there is time.
-
onlineNick
Birley Edge,
United Kingdom

Premier Member
Posts: 20,633
TT600 (00-01)


icon07 Jan 2018 15:54
I have used Peter James for years.

They are a proper specialist broker, and are happy to cover race bikes, dismantled projects and had no problem in covering our imported MV Agusta before we had a V5 for it.:thumbup:
-
John Nelson
Coventry,
United Kingdom

Posts: 3,135
Speedmaster


icon07 Jan 2018 17:27
Had a chat to someone on the CN stand at the Newark bike show today, and I will be phoning her in the week about this and other stuff.

Firstly this is not from Carole Nash it is coming from insurance legislation.
I have my insurance through CN but I am insured by Ageas, If I used a different broker I might well still finish up insured by Ageas as they have a big chunk of that end of the market and it would be the same cover and conditions.

They are not supposed to write an on road policy for a machine without an MoT and if they do it is not valid by law. I did not know this although I am assured that it is in the policy documentation somewhere. They can write a storage policy for a bike which is off the road no problem and I am told as part of a multi bike policy with some on and some off the road it would be the same price with the option to swap from storage to Comp cover at any time.
When I mentioned admin charges for that she was less positive about the situation...
She also raised the thing about "Historic" 40 year old bikes not needing to have an MoT and that it is now in the public domain that it will start soon but the insurance industry has not been consulted yet. I'm wondering how that will sit with the insurance companies not being permitted to write on road cover for machines without a valid MoT?
-
Flappytabs
Derbeeeshire,
United Kingdom

Posts: 19,400
Speed Triple 1050


icon11 Jan 2018 14:01
Nick:
I have used Peter James for years.

They are a proper specialist broker, and are happy to cover race bikes, dismantled projects and had no problem in covering our imported MV Agusta before we had a V5 for it.:thumbup:


But the bikes have to be pre stone age
-
onlineNick
Birley Edge,
United Kingdom

Premier Member
Posts: 20,633
TT600 (00-01)


icon11 Jan 2018 16:57
Only one has to be a classic, and you have to be a member of a recognised club.:tongueout:

John Nelson:
Had a chat to someone on the CN stand at the Newark bike show today, and I will be phoning her in the week about this and other stuff.

Firstly this is not from Carole Nash it is coming from insurance legislation.
I have my insurance through CN but I am insured by Ageas, If I used a different broker I might well still finish up insured by Ageas as they have a big chunk of that end of the market and it would be the same cover and conditions.

They are not supposed to write an on road policy for a machine without an MoT and if they do it is not valid by law. I did not know this although I am assured that it is in the policy documentation somewhere. They can write a storage policy for a bike which is off the road no problem and I am told as part of a multi bike policy with some on and some off the road it would be the same price with the option to swap from storage to Comp cover at any time.
When I mentioned admin charges for that she was less positive about the situation...
She also raised the thing about "Historic" 40 year old bikes not needing to have an MoT and that it is now in the public domain that it will start soon but the insurance industry has not been consulted yet. I'm wondering how that will sit with the insurance companies not being permitted to write on road cover for machines without a valid MoT?


She's taking bollocks.

An insurance company can cover whatever they like.

If they are willing t accept the potential of any claim, they can issue cover. They will simply base the cost upon perceived risk.
-
NextRSSPreviousSocial Forums > The Hinckley Arms > Spotted on an FB bike group
-
Forum Jump:
-
Moderators: ~Bluelabel~ Boycie Homertrix
Who's Online?
Guests:57
Members:3
Premiers:5

top
Triumph Torque
- About Us
- Community Guidelines
- Contact Us
- Statistics
Site Information
- Site Help
- Site Status
- Site Updates
Member Information
- Login / Register
- Merchandise
- Obituaries