Originally Posted by thomas
It will help, once you take a trailer out with no MOT your insurance will be invalid, that'll go for the vehicle and boat and you will be liable for all the damage, so at least we won't be picking up the bill on our premiums.
contrary to internet rumour, driving a car without an MOT does not automatically invalidate insurance, so neither would it with your trailer. If you knowingly and negligently
drive a car which is not roadworthy that could
invalidate insurance - but the same would apply to trailers today. In any case who do you think picks up the bill for uninsured drivers? everybody does. Look at the damage in the pictures. The tow car is presumably not harmed. The trailer is possibly repairable and like sea riders, Pac 22's can be fixed with duck tape - the innocent* motorist in the red car was the one who came off worst - doing anything that might make it harder for 'her' to claim seems absurd. That is also where the insurers will be most worried, a death or disability caused by the trailer is likely to be very expensive.
Trailer accidents are rare, insurers don't load premiums on those with tow bars so I don't think in the actuarial sense its a big issue. However once you start licensing/registering trailers as separate entities don't be surprised if the insurers cotton on - and start charging you a whole separate policy - per trailer. Still sure you won't be paying?
A trailer with corrosion after a year may not be totally road worthy but it will be a lot better than some of the suff out there, at least it's a step in the right direction.
I disagree - look at cars - plenty of people driving round with dodgy cars that have an MoT cert (its not a year's worth of corrosion - the test for an MoT is was it acceptable on the day - I week later could be too much). But once a year someone else checks it and It still will do nothing for wrongly loaded, incorrectly coupled,
I also think some of the very rarely used (or maintained) trailers would be very unlikely to get tested - because the probability of a stop is low.
At £100 and no points for not having the paperwork its not a MAJOR disincentive over an MoT which costs c. £50, if it is unusual to be caught. Construction & Use however can carry much higher fines and points or even a ban. In all but the worst cases, because no MoT is very easy to prosecute they only deal with the paperwork infringement.