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Any new rules?  Rate Topic 
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 Posted: Sat May 19th, 2018 04:10 pm
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baz657
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Mana: 
Not sure if this is still the case but it used to be, for private insurance policies at least, that not having a valid MOT certificate would leave only the legal minimum third party insurance in force. Fully comp, fire & theft woudn't be insured.
Motor trade, taxis for hire and company car/van insurance would probably be different and be rendered invalid.
You're probably both right.

Last edited on Sat May 19th, 2018 04:11 pm by baz657

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 Posted: Wed May 16th, 2018 01:19 pm
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castrolrob
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Mana: 
might be a good idea:P

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 Posted: Wed May 16th, 2018 12:01 pm
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martins
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Mana: 
Is this ready to continue in the "General Off-Topic Discussions" section yet? :)https://forums.motester.co.uk/forum11/

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 Posted: Wed May 16th, 2018 11:32 am
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wag
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Mana: 
castrolrob wrote:
,as I posted originally your lights if working as described would pass,

That was the problem... you didn't say that. :? :)

You said

bottom line is your lights if working will pass,

I followed it in my 2nd post

Will it pass or fail on the rear bulbs as described?

Bottom line if your insurer withdraws cover take professional advice and take it to the ombudsman.

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 Posted: Wed May 16th, 2018 07:32 am
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castrolrob
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Mana: 
as an aside I have had friends on traders and private policies and so forth who have had cover withdrawn due to defects to the extent that they gained penalty points in court,one got banned,knowingly driving an unroadworthy vehicle is a criminal offence but that isn't what this discussion is supposed to be about,it was supposed to be lights,as I posted originally your lights if working as described would pass,your concerns were about filaments.in eu countries lighting regs follow similar rules,rear foglight for instance is fitted somewhere between the centre line of the vehicle and the drivers side,in most of Europe that would be on the left,in the uk its the opposite side so many vehicles have redundant lamps/units bulbs due to this.there is also summat called daytime running lamps typically front bright white lights that come on with ignition but if you were in Sweden for example their laws stipulate the car getting lit up like a Christmas tree due mainly to the fact that its in the artic circle and as a result spends a lot of time in darkness,it was considered that it would give stray moose etc a better chance of seeing cars.indicators in most of Europe are orange but in asia some parts prefer white,in the usa red is normal,some manufacturers simply use clear lenses and fit the appropriate colour bulbs,others fit different lamp units.mercedes for example are capable of utilising lets say a reverse light as an indicator if said indicator packs up because most modern lighting systems are computer operated by summat called a body control module as opposed to a switch,fuse wiring direct system and this would be loaded with the appropriate operating instructions for the market in which the car is sold.in short your car could have multiple bulbs/filaments/units that are not utilised in this country,it could even have the wrong bulbs fitted,it could even be that the same four multiple stoplamps have blown 2 each side(unlikely)and the only way a tester could tell would be to remove them and look.we are not allowed to do so and the relevant technical info that would allow us to know if this is the case isn't provided to us on test.the only way it would fail is if greater than 50% of the light sources(not filaments)from a given unit are inoperative so if you had 3 stoplights one side and 1 the other it would fail,3 one side and 2 the other would pass,matching sets as you described would pass unles the tester had good reason to know others were present and not working,you own/operate the vehicle and you aint sure,hows he gonna know?as also alluded to in my original reply this is the long involved explanation that I was hoping to avoid for the sake of a few lights......

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 Posted: Tue May 15th, 2018 08:34 pm
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wag
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Mana: 
I know someone who works in the motor insurance industry.

An insurance company can ONLY withdraw cover if the defect contributes to the accident. And it may even be "significantly contributes" but I'm not sure. EVERYTHING ELSE IS IRRELEVANT. i.e. it does not make a blind bit of difference what your Insurance policy booklet says. Insurers are governed by the Insurance Ombudsman, it does not matter what the individual policy says. Some insurers add unlawful terms into their policies. Such as "The vehicle must have a valid MOT certificate."

I'm only writing this because it is important to everyone who reads this thread, including you Rob, anyone reading this thread could in the future be faced with an insurance company "trying it on" (yes, they do try it on) by trying to refuse a claim on the basis they have withdrawn cover.

If they do this, make sure you know exactly why they have done it, and if it was for or partially for a defect on the vehicle that had no influence on the accident then take the case to the Insurance Ombudsman.

There is also no such thing as
"No MOT = No Insurance" If this is their only reason, then you WILL WIN at Ombudsman as many have done before.

They also cannot withdraw cover for failure to disclose a material fact. They have to honour the claim but they can make adjustments to the payout value according to strict criteria. Again it is all legislated and controlled by the ombudsman.

Take expert advice from at the very least an Internet Forum which specialises in Motor Insurance claims



To answer my bulbs will pass question. It appears yes they will.

Tail lights all 6 working - check
Stop Lamps
Vehicles first used on or after 1 January 1971 must have 2 stop lamps, one on each side.
- check
Additional stop lamps, over and above the mandatory requirements, must be tested. However, if you aren't sure if they are connected, you should give the benefit of the doubt.i.e. I don't know if the 2nd filament on these other bulbs are connected for stop lamps but the mandatory requirement has been met - check
1 rear fog lamp which must be fitted to the centre or offside of vehicles first used on or after 1 April 1980 - driverside working - check

Last edited on Tue May 15th, 2018 08:50 pm by wag

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 Posted: Tue May 15th, 2018 09:52 am
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castrolrob
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Mana: 
lets try this again,reverse lights weren't part of the test,next week they will be.you have NEVER been able to drive your car legally with fail items that could render it unroadworthy.this will be now pointed out to you in big letters on your mot paperwork,your filaments aint part of the test so we don't test em.check with your insurance about knowingly driving an unroadworthy vehicle.the answer will be different I assure you,none of this voids your old mot but by the same token the old ticket aint a licence to drive it with faults.

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 Posted: Tue May 15th, 2018 09:43 am
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wag
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Mana: 
Sorry, I'm not sure what you are saying.

Were reverse lights previously not a testable item?
And now they will be from 20/5/18?

He is wrong about old certificate being void if there is a fail? Only thing changing 20/05/18 is the fail items will be in BIG letters?

You don't care about how many filaments, but that does not help answer the question. How do I know if those other bulbs are supposed to illuminate the 2nd filament? And thus How do I know/How does the tester know if it will pass or fail? Will it pass or fail on the rear bulbs as described?
6 tail bulbs all working 3 each side
2 brake top lights working, one each side, and brake row on roof-line working.
1 fog driver side working.

Insurance is only voidable if the defect contributes to the accident. Bald tyres on a wet road, causing the car to skid, would void insurance for example. Bald tyres on a dry road would certainly be worth challenging through the ombudsman if the insurer decided to try to void the insurance.
(I'm only giving examples).


Thanks

Last edited on Tue May 15th, 2018 09:47 am by wag

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 Posted: Tue May 15th, 2018 07:22 am
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castrolrob
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Mana: 
the regs he refers to come in on 20/5/18 for reverse etc,in order to save a lotta time typing bottom line is your lights if working will pass,we don't care how many filaments it has!its always been an offence to drive a car with known defects whether it has an mot or not,no your mot isn't cancelled but any items considered dangerous/major under new regs this will be highlighted to you in BIG letters.keep in mind with a computer system its possible to tell if/what/when it failed and if you had a smack under those circumstances then your insurance would probably be void.(back in the days of paper tickets no one would know)this again has always been the case.

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 Posted: Mon May 14th, 2018 08:45 pm
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wag
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Mana: 
Hi,

EDIT to add...are they still failing wiper blades for having 1mm-2mm tears on the ends which does not affect wiping quality at all?

Preparing my car for it's MOT, my neighbour said rules have changed.

Says reverse lights are now in the test, I thought reverse lights have always been in the test?

Also says if you test it early say a month early and it fails...it's not like it used to be that you still had a valid 1 month left on your old certificate. Said if it fails. you have no longer got a valid MOT on your old certificate. Is this right?

If the above is right do people still drive the car away when they have failed... I would drive it away at least on the basis that I am taking it to a "place of repair" as per the legislation.... So I can expect not to have any problem from the MOT station if I say "Ok it failed, I;ll drive it away, see you within 2 weeks for the re-test"

I don't know if you guys can help on this one...Skoda citygo, same the VW Up!. Rear light clusters.
There are 2 rear light clusters and the number plate light.
Each rear light cluster is essentially the same, same number of bulbs and same colours.
Indicator lights and reverse lights - no problem they all work
All other bulbs, excluding the aforementioned reverse and indicators, in the rear clusters are 3 bulbs in each cluster for tail/brake/fog. Looking through the lens I can see the 3 bulbs top,middle and bottom on each cluster. and they ALL have double filaments.


Tail lights 5W 3 on each side they all work - 6 lights

Brake lights 10W only the one bulb at the top on both sides works for brake - 2 lights

Fog light 21W Only the one bulb, at the bottom on the driver side works for fog - 1 light

Now then that leaves some bulbs which have double filaments which are not illuminating the 2nd filament. The middle bulb on both sides does not illuminate the 2nd filament.

The bottom bulb on passenger side does not illuminate the 2nd filament.

The bottom one passenger side could be fog but not working?
The middle ones on both sides could be brake but not working?

If they are not supposed to illuminate WTF have they double filaments?

Any advice appreciated

thank you for reading.

Last edited on Mon May 14th, 2018 08:49 pm by wag

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