Steve Hiatt Posted August 20, 2009 Share Posted August 20, 2009 “Plenty of people have accidents in vehicles that should have an SVA/IVA and get paid up without issue” Could also be taken as misleading- do you have access to some information to back this claim up? Anecdotally I know two people who have claimed with a bobtailed Rangy and a Hybrid, in neither case was an SVA mentioned, in fact neither driver knew what an SVA was. Non anecdotally the Road Traffic Act states that the Insurance Company must pay the third party, whatever. The RTA is available on line if you wish to check for yourself. Whilst I agree that if an accident is serious enough, investigations are carried out as to the condition and safety of the vehicle, that doesn’t discharge any responsibility to complying with the law in the first place.... I therefore believe that no-one here should be condoning driving an illegal vehicle. Period. Indeed, however, I was seeking to answer the OP's underlined question rather than question his morality. Quote Link to comment Share on other sites More sharing options...
white90 Posted August 20, 2009 Share Posted August 20, 2009 SP Why risk it? two that come to mind: Selby train Crash And more recently Gresh and his tragedy both L/Rs or what was left was gone over with a magnifying glass and fine tooth comb neither set out thinking the day would pan out as it did if the car you have needs to be inspected as you have chopped the chassis about then why not do it? people are only kidding themselves, this place has turned into the SVA/IVA police station of late not what people want to hear I'm sure but if you plan to drive the car on the public roads then peace of mind that what you are in is legal must be worthwhile? Some of the creations seen about should be removed for public saftey but hopefully they'll avoid an accident and injuring themselves or someone else. Quote Link to comment Share on other sites More sharing options...
landmannnn Posted August 20, 2009 Share Posted August 20, 2009 The original question was What are the consequences of driving with an mot but no SVA? SVA police or not the likelihood is that nothing will happen. There is a good chance however that you will suffer the following: Invalid insurance in case of an accident Car crushed if stopped at a VOSA check Prison sentence if you are involved in a fatal accident. Is it worth the gamble for a few hundred quid? Quote Link to comment Share on other sites More sharing options...
Tom.H Posted September 5, 2009 Author Share Posted September 5, 2009 Ok ..... I am back I’ve changed my mind after coming to sense and realising that a 404 Mog isn’t a realistic tow car. I am planning on getting my land rover through an IVA within the next 6 months. I’ve only made this decision after finding out that there’s little chance of me being insured as a registered drive on the Mog (I was sceptical, even before phoning the insurance companies). Even though I am yet to read through the IVA regulations in detail I can already see some issues arising. Before I start looking into the test any further I have a question about insures after the vehicle has passed its IVA. I am already confused whether my vehicle would need a Q plate or not. It’s had some sort of modification in every criteria …. Meaning its points exceeded 8 (I believe) I am currently 16 and I will have only just have got my driving licence after the vehicle has ‘hopefully’ passed its IVA. With it now being impossible to become a named drive under the age of 19 Insurance Is constantly an issue for me. I know It’s possible for a 17 year old to be a registered driver of a standard 200tdi land rover …. At the cost of around £800 (which is just about bearable). What will be the affect on insurance with a Q plate vehicle be???? Will I instantly be dismissed as insurance companies immediately think of the link between Q plates is kit cars?? Cheers Tom Quote Link to comment Share on other sites More sharing options...
steve_d Posted September 5, 2009 Share Posted September 5, 2009 I would start by approaching the specialist insurers, of which there are many, but the likes of Adrian Flux, Footman James, MSM, Hagerty. Because they deal with both modified and kitcars they are more open minded. They will be keen to know that you are building it yourself as in their eyes you are far less likely to be ragging it about the streets in the way insurance companies have gotten used to with your normal new driver. Best of luck Steve ETA The above insurance companies are well aware of Q plates and it means nothing to them. Quote Link to comment Share on other sites More sharing options...
Tom.H Posted September 5, 2009 Author Share Posted September 5, 2009 Ok Cheers for your help … The vehicle was built by Whitbread off road ….. It was drivable at the time I brought it, although it required a few jobs just to finish it of. I’ve spent the summer doing a few of these jobs (Although I still haven’t finished all of them). I Don’t know whether this will affect both the IVA and insurance. Quote Link to comment Share on other sites More sharing options...
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