lot of discussion on MLR re Evos that are decatted not being covered by insurance regardless of whether they have an MOT certificate. Argument being a decat will make the car illegal at the point of it being fitted and hence void the insurance.

my type r is decatted and cover arranged through Gary at KM - superb quote by the way, and the fact that it was decatted was declared. My last 2 decatted p1s both got through mots, but I haven't a clue whether my type r will come November.

so can anyone shed any light on this. I would imagine that if you declare a decat to your broker or insurance company, you should be covered, but consensus on mlr seems the opposite.

 

this has been asked before.
if push comes to shove insurance companies CAN declare your insurance void as your car is not road legal without a cat, and the small print probably says this somewhere.
however, no one has actually heard of an insurance company using this tactic because of a decat.

 

thanks for that

 

Thats exactly what Greenlight told me a few years ago.

Steve

 

mmmm I thought about this too, as I run a full de-cat. Surely if declared, which it is, your insurance company has to pay in the event of a claim, as the car currently has a valid MOT cert.

It is no different to say for example having a crash/claim at the same time as when you had a rear lightbulb not working (as that would constitute a MOT failure) and the insurance company not paying up, as, at that particular point the car would fail an MOT due to the lightbulb being out.

 

As long as you have declared it you'll be fine