I failed an old Landrover once for no Windscreen Wipers, He said he could drop the windscreen down, So it was OK. I said if it's chucking it down with rain you will get very Wet, Then I told him to P/ Off.I was already considering ways in which a section could get together to provide this service. I must admit that I wasn't imagining doing it myself!
It is worth some further investigation but we both share the same insurance adviser and I can imagine his little face turning bright red when YOU tell him about it. The repercussions could be endless.
My opinion is that those who consider themselves competent should do their own bike but make a record of it. Those not so experienced would do well to spend the £29 on getting it MOT tested.
I take the point that the insurance companies are not actually asking for a certificate but imagine an accident where a component failed. You could be asked to prove that you had taken reasonable precautions.
Alan also makes a good point. When carrying out an MOT on some piece of Japanese machinery I pointed out to the owner that the split pin was missing from the rear brake torque arm bolt and the nut finger tight. I thought that I was saving him from a disaster. He was far from grateful, even when I offered to lend him some spanners and a box of split pins to put it right.
Cheers Bill.