INSURANCE AND MOTS

MOT exemption must be an interesting development for the insurance companies as I imagine they would much rather take the risk on a classic that is Mot’d than one that isn’t.

Maybe classic insurance premiums are going to rise to cover increased exposure to risk? I am custodian to a 2003 BMW E46 330d touring with 225,000 miles and rising (still on original clutch turbo injectors etc), a 1991 Saab 900 turbo 16 five-door (a long term project I’m hoping to get it back on the road soon as it’s now pretty rare), a 1990 VW Golf MKII GTI 8-valve five-door small bumper (awaiting MOT) and a 1989 BMW E30 325i cabriolet 214k miles (awaiting accident damage repairs). Guess which decade I grew up in!

Even though I stand to ‘benefit’ from a rolling exemption in a few years’ time, I for one see the MOT as a rite of passage of practical classics ownership and, actually, there’s nothing more thrilling than getting the car through for another year of motoring. Thomas Stoddart-scott, Milton Keynes