Old tyres may invalidate insurance?

Discussion in 'Motorhome Insurance General Discussion' started by Rapido925M, Jun 21, 2018.

  1. Rapido925M

    Rapido925M Funster

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    MH sailed through its MOT yesterday and the guy was pleased to see tyres were only 3y old (on the back).(y)

    Then he moved to the front and said "OMG - 10y old!" (n)

    I don't want a lecture on how I shouldn't have left them on that long (even though there is plenty of tread and no visible sidewall deterioration) and I don't need advising to change them, thank you. :whistle:

    HOWEVER, he did say that some insurance companies were invalidating their cover if tyres were "old".
    Does anyone have chapter and verse on this please?
    Or was it BS??

    TIA - Gordon
     
  2. tacr2man

    tacr2man Funster

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    Almost certainly BS , as there is no legislation to say tyres of a certain age are unroadworthy , its all down to inspection on condition . He has just passed them at MOT thereby saying vehicle is classed as roadworthy at time of inspection !
     
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  3. scotjimland

    scotjimland Funster Life Member

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    agree with @tacr2man

    however, in the event of an accident they would look very closely at the condition of them and the age, and if they were found to have been a contributing factor due to their age they 'may' refuse to pay out..
     
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  4. Podney

    Podney Funster

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    Why don’t you ask your insurance company? That’s who you pay,that’s who you have a contract with.
     
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  5. TerryL

    TerryL Funster Life Member

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    Be interesting to read the reply.
     
  6. Minxy Girl

    Minxy Girl Funster Life Member

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    Regardless of what the insurance company says I don't think I'd be happy having 10 year old tyres on my MH/camper ... what you can't see is any internal deterioration or the condition of the rubber itself which can harden over time and therefore not being so 'flexible' can split or blow if it hits something hard, gets hot etc ...

    Me, regardless of MOT outcome, I'd be changing them.
     
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  7. BreweryDave

    BreweryDave Funster Life Member

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    And, after Brexit, you’re only allowed to fit English tyres, and not black ones........
     
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  8. Wildbill

    Wildbill Funster

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    That will have to be a neutral colour
    Bill
     
  9. SpeedyDux

    SpeedyDux Funster

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    Having just skim-read my Comfort MH policy booklet I didn't find anything to support that statement. The closest is exclusion 4 to Section 1 which says that the policy does not cover "Damage to tyres by braking or by punctures, cuts or bursts."

    NB that only applies to the tyres themselves, so if an old tyre fails and as a direct consequence there is damage to some other part of the MH that other loss or damage should be covered.

    I was half expecting to see a general condition requiring the policyholder to maintain the motorhome in accordance with something or other but I didn't find it.
     
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  10. scotjimland

    scotjimland Funster Life Member

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    Comfort

    At all times during the period of cover, the vehicle must be maintained in a roadworthy condition and regularly serviced

    Your motorhome must at all times have a valid MOT certificate (unless not required due to age of the vehicle) and current UK Road Fund Licence

    You shall maintain your motorhome in efficient condition and we shall have, at all times, free access to examine your motorhome.
     
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  11. SpeedyDux

    SpeedyDux Funster

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    Ta. Obviously I need a second cup of coffee!
     
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  12. Rapido925M

    Rapido925M Funster

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    YES but I did say I didn't need a lecture. Thank you.

    Gordon
     
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  13. Minxy Girl

    Minxy Girl Funster Life Member

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    That wasn't a lecture, it was my opinion ... that's why I put 'ME' ... now if you really want a lecture you bad boy ...

    [​IMG]
     
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  14. Geo

    Geo Trader - Funster

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    There was no obvious visible damage when I carried out my regular pre flight examination of my vehicle your Honour.
    Sorted, let them prove otherwise
     
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  15. Wildbill

    Wildbill Funster

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    @Geo says it all thread closed ;)
    Bill
     
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  16. JJ

    JJ Funster

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    Before Motorhome Fun, I never knew anything about the age of tyres or payloads or habitation checks or that motorway services are dangerous or full time insurance or food safe hose pipes or or or or...

    JJ :cool:
     
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  17. BreweryDave

    BreweryDave Funster Life Member

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    You’re never too old to learn JJ.


    ...........oh hang on, maybe you are :p
     
  18. JJ

    JJ Funster

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    And luckily, when older, you learn to detect boll*cks and smell b*llsh*t...

    ... food grade hose pipes... give over :rofl:

    Next thing they'll try and sell folk is special toilet paper for cassette loos...

    JJ
     
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  19. Dilbert

    Dilbert Funster

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    You'll be saying next that you run on commercial van tyres and without a rear view camera, tyrepal or satellite tv just like me....or an emissions sticker
     
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  20. scotjimland

    scotjimland Funster Life Member

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    or or or.. @yodeli .. ;)
     
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