Shaken on my Ride any advice

[Smokin Joe]

Lack of an MoT will not invalidate your insurance, the company will still be liable to compensate all third parties who suffered injury or damage - the same as if you had no licence or VED. Where it might trip you up is they could refuse to cover damage to your own vehicle, depending on the circumstances.

 

[midlife]

Is that actually true, and do you have any basis for stating that?
I rather doubt it frankly, but open to be persuaded.

Insurance is after all to cover you for when you're doing something wrong

Apart from anything else, you need insurance, to be able to legally drive to get an MOT (if yours has lapsed) and if your insurance was invalid, well, you couldn't have insurance after all and be subject to Catch-22.

The insurance company are legally obliged to honour the third party side of things........expect them to wriggle as hard as possible to avoid anything else but it depends what is written down in the policy t&c's

Shaun

 

[potsy]

Although I know why fossy is so angry and upset at his current situation 'slapping a van' would not be my advice.

Didn't we have an incident on here where a cammer did just that and got thumped?
Then completely denied the 'slap' had taken place?


I generally stay calm on the road but occasionally even I want to tell a driver exactly what I think of their driving, just the other night I had a guy in a huge Mercedes squeeze me into the kerb after going for an ill judged overtake (in a narrow 20mph zone) and then driving off despite my obvious displeasure at him, caught him up 200 yards later at the lights and had my say.
Needless to say he couldn't care less and told me to 'behave myself'

Got to try not to let these things linger as it can spoil the ride, or even future rides too.

 

[coco69]

No injury or damage, not even any contact between vehicles and people seriously think an over stretched police force will give a toss?

Get real.

Here here...thank god

 

[classic33]

Here here...thank god

Shows more how the police are willing to treat cyclists than actually deal with an incident.

Van and car wouldn't be treated in the same way.

 

[Smokin Joe]

Shows more how the police are willing to treat cyclists than actually deal with an incident.

Van and car wouldn't be treated in the same way.

Are you serious?

If you went to the police and told them that while you were driving your car someone passed too close what do you think they'd do? After they'd finished laughing, that is.

 

[growingvegetables]

After they'd finished laughing, that is.

So Section 59 (1) of the Police Reform Act 2002 only applies to chavs off council estates riding mopeds across football fields.

I see.

 

[mjr]

Lack of an MoT will not invalidate your insurance, the company will still be liable to compensate all third parties who suffered injury or damage - the same as if you had no licence or VED. Where it might trip you up is they could refuse to cover damage to your own vehicle, depending on the circumstances.

Plus they may try to recover from you whatever they're obliged to pay out to others. It depends on your policy wording. Basically, having a valid MoT pass is a condition of much of it.

Not exactly invalidate, but still negates most of why you have insurance IMO.

 

[Deleted member 35268]

I've been "brushed" more than a few times, I even managed to thump the side of a car one time.

Don't let it get to you, some drivers are perfectly cautious and give you a wide birth, and others seem to think they only need give a few inches.

Keep riding