There are two issues here – first, what is legal when you’re on the road, and second, what is required for the safety inspection (Safety Standards Certificate in Ontario). Ontario’s Highway Traffic Act requires “mudguards or fenders or other device adequate to reduce effectively the wheel spray or splash of water from the roadway” (section 66(3)). Enforcement of this is entirely up to the officer doing the deed. Many rodders have operated fenderless cars for years without problems but that’s not a guarantee of success by any means. It’s a chance you take, but most officers are cool with this as long as you’re not stupid or otherwise asking for it, just like missing licence plates, mufflers, etc. Some officers don’t care if it’s raining or not so the weather isn’t a good excuse in most court rooms. As for the safety inspection, Ontario’s regulation 611 states that “no…fender or mudguard shall have been removed” (schedule 1, section 1(1)(a)). Did your ’32 have fenders when it was built? Then it requires them for the inspection, period (bumpers too, but that’s another day). If an inspecting mechanic wants to ignore this requirement they’re taking a chance. As for scratch-built cars, the mechanic might rely on the excuse that “it was built without fenders so there are none to remove” and that might work if there is a challenge to the inspection, but no guarantees there either. In Ontario, the station licensee and the mechanic can be charged for issuing a certificate improperly up to 6 months from the date of issue, and the fines can be up to $20,000 and revocation of the licence or mechanic’s registration in the program. Taking photos of questionable vehicles is a very good idea. As already stated, what is illegal on paper doesn’t always mean you can’t do it, just that you’re taking a chance that your good poker face and good manners will keep you safe if you’re stopped. Happy motoring!!