WOF grace period?

[nothingflash]

My take on it is insurance premiums are partly gathered to contribute to pay outs and partly to employ staff to investigate reasons not to pay out... Premiums gathered - payouts = profit.

[AllanB]

So it's fairly clear that the intention there is that if the claim is the result of a warrant-voiding issue, even if warranted, that it could be declined.

Yep - say for example you get a WOF - your rear tyre is getting down but measures 2mm, so you are OK. 3 months later after doing a couple of thousand kms it's truly stuffed.
You crash your bike.

Mr/Mrs insurance assessor comes out to inspect the damage and looks at the tyre - you'll not get a penny from them, even with it full warranted. Part of your agreement with them is that you as the insured will keep the vehicle up to WOF standards at all times.

[ynot slow]

Obviously depends on drivers attitude.Well when I was in a car it did,the driver admitted he forgot(and we were talking about it getting done next day)to cop.Cop said testing station closed on Saturday,guy said no probs will get it at Stratford which will be open.Officer said ok,you show constable xxx who will be on duty all day tomorrow,and I'll not issue it on Monday.Dutifully done and ticket waived.

[Patrick]

You've got 28 days to sort it out before you have to pay for a whole new inspection. You still can't use the vehicle on the road though as it doesn't have a valid WoF.

Sorry dude... you are wrong. It gives you 28 days to go back to get the WOF so you don't have to pay for a check again, that is all.

If you use ya vehicle cruising the streets with ya pissed mates on a Friday night, expect a ticket......

You are not allowed to operate a vehicle without a current WOF, except for the purpose of work to be carried out for, or getting said WOF.

Exactly.

Obviously depends on drivers attitude.Well when I was in a car it did,the driver admitted he forgot(and we were talking about it getting done next day)to cop.Cop said testing station closed on Saturday,guy said no probs will get it at Stratford which will be open.Officer said ok,you show constable xxx who will be on duty all day tomorrow,and I'll not issue it on Monday.Dutifully done and ticket waived.

easy, ay...????

[paddy]

Sorry dude... you are wrong. It gives you 28 days to go back to get the WOF so you don't have to pay for a check again, that is all.

Which is exactly what I said. I think you possibly read CAN where I wrote CAN'T.

[Patrick]

Which is exactly what I said. I think you possibly read CAN where I wrote CAN'T.

bLARDY bOURBON......

[paddy]

bLARDY bOURBON......

Very good then. :-)

[Pedrostt500]

yeah because they will go to to all that trouble and expense for a motorcycle claim

Maybe not for the motorcycle but what it hit could be worth a bit.

[Matt_TG]

The official Insurance line on not having a WOF could be covered under Section 11 of the Insurance Law Reform Act 1977 that covers exclusions that cannot be applied... The bold and underlining is mine.

It means that you can have an unwarrantable vehicle, be pissed as a newt, and driving outside the terms of your licence but sitting at traffic lights. Someone hits you, but the above issues don't have relevance to the accident, so your insurers may not refuse your claim if YOU prove that the issues weren't relevant.


Where

a) By the provisions of a contract of insurance the circumstances in which the insurer is bound to indemnify the insured against loss are so defined as to exclude or limit the liability of the insurer to indemnify the insured on the happening of certain events or on the existence of certain circumstances; and

(b) In the view of the Court or arbitrator determining the claim of the insured the liability of the insurer has been so defined because the happening of such events or the existence of such circumstances was in the view of the insurer likely to increase the risk of such loss occurring,—

the insured shall not be disentitled to be indemnified by the insurer by reason only of such provisions of the contract of insurance if the insured proves on the balance of probability that the loss in respect of which the insured seeks to be indemnified was not caused or contributed to by the happening of such events or the existence of such circumstances.

Not what the original question was about though, but perhaps relevant.

[jellywrestler]

Sympathy can be found in any dictionary - it is near the end of the 'S' section.

yep, somewhere between shit and syphillis actually