Post
by Mr Tidy » Wed Apr 10, 2019 10:59 pm
griffnut wrote: ↑Wed Apr 10, 2019 6:53 pm
That's a surprise to me, surely if the car cannot pass an MOT, then it cannot be legally on the road - not compliant with insurance requirements.
I wouldn't worry about insurers - they're mostly staffed by call centre monkeys, frequently in distant shores!
My nephew had an accident in his E46 BMW last year and they (high ranking Naval officer springs to mind) decided his car was a Cat S based on the photos he sent them from his phone - they didn't even bother sending anyone to look at it!
Which was b*llocks anyway as there was no damage to any of the panels that would have made it Cat S - it was arguably Cat N, but they wouldn't have it as they were clueless! And he got it repaired for less than they paid him, so arguably it wasn't Cat anything!
I handled motor insurance claims from 1978 to 1988 and we always had any potential total loss inspected by an engineer, but they were all recruited from bodyshops so we had to work out ourselves what extras cars had from their photos - things like Rostyle wheels on Cortinas, etc.
So basically I'd say insurers are unlikely to be a problem as they are mostly clueless!
Coupes because stunning!
Current - Silver Grey MC, Imola Red heated Nappa & carbon trim. Aeros, H & R Coil-overs, 224s, OE Strut brace, Nav, cup-holders, DSP Hi-Fi, pdc, cruise, MFSW, no CDV! E90 330i daily
Gone - Montego Blue
Gone - Ruby Black