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smo

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Posts posted by smo

  1. Slow - like most things time is a major issue (altho now im redundant i have the time but not the money!) and having moved my new workshop is a stable on a farm rather than the well equipt workshop i used to use.

    New transmission tunnel is in with difflock/hi-lo linkages, compushift loom is in attached to the 4hp22 autobox and things are progressing well, on the floor in front of me i have 2 oil/water coolers for the gearbox (like a laminova but much cheaper) so i have to fit them and then i get to find out if the gearbox works....

  2. Its a disco chassis on that one.

    SVA is a yes for them all because of chassis mods.

    Q plate depends on how its done, the 2 existing in this country are running original plates from their donor vehicles because they are done very differently to mine. Mine is currently not registered and may end up on a Q, it all depends on the points system and the person counting as mine came from either new parts or a single donor vehicle but was build using a new chassis and doesnt and never has had a V5 so registration for me is a lot more complex.

    If you have any other questions about them just ask either here or PM - there is a build thread for mine round here somewhere too!!

  3. Have you thought about loft insulation, not the glass fibre type but the hi-tech layered space blanket type. Its very effective and thin, not particually expensive either.

    Whatever you do youll likely still get condensation because water naturally gathers on the coldest surface, if its not the roof, itll be the sides, or quite possibly the windows!

  4. Well obviously all my years working within the insurance industry arranging policy's and then going on to assessing claims on motor vehicles were obviously wasted, and according to you are incorrect!!!.

    At the end of the day if an insurance company accept a declaration of modifications on a vehicle the insurance WILL be valid.

    I'm sorry but its simply not true - insurance companies can and do cancel policies and refuse to pay out because of things wrongly declared, mods that are not declared correctly, or for somthing like a vehicle that should have an SVA and doesnt - its a fact and ive seen it happen.

  5. Are you sure about this?

    If the modifications were disclosed to the insurance provider when the policy was started/renewed, its up to the insurers to decide if they wish to take on the liability or not. If they accepted the vehicle at the outset of the cover, the insurance company would have no option but to honour the insurance at the cover level supplied.

    With regard to the MOT being valid this only covers the items on the vehicle at the time of testing so how the MOT would be invalid I really don’t know. The MOT has nothing to do with the legal status of the car only the testable items.

    So if the vehicle was built PRE SVA then insurance and MOT are NOT an issue providing all modifications are disclosed to the insurance provider. However if the vehicle was build POST SVA then the only things in question are its identity and suitability to being on the public highway.

    If it needs an SVA and doesnt have one then the MOT in invalid because the SVA comes first thus rendering everything after completely worthless unless its been done (which it hasnt).

    Regardless of declaring mods, if the car does need an SVA then the insurance company would void the cover and thus reduce it to the min required (TPO) by the road traffic law in event of an accident - they have an option as to honor or not any policy and are very good at wriggling, somthing like this would provide them with no worries at all when it comes to not paying!

    If its pre SVA yes, correct there are no issues - however if its post SVA then its illegal, uninsured, untaxed and not mot'd. (altho it doesnt have an mot anyway)

  6. The insurance would be invalid - however even in this case the insurance company have to honour the 3rd party liability part which means you'd get your money from their insurance, they however would get nothing.

    More to the point the MOT is worthless, it needs an SVA and new reg plate (Q) and has no tax because its not genuinely exempt!

  7. Dear god man, looks like you are lucky to be alive. I wish you and your gf the speediest of recoveries and good luck finding a new truck....perhaps one with a cage for extra protection???

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