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Thread: No MOT = No Insurance ?

  1. #1
    Regular Member alcutler's Avatar
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    Default No MOT = No Insurance ?

    If you forget to MOT your car and drive it without - does your insurance still cover you?

  2. #2
    Regular Member wardy23's Avatar
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    nope

  3. #3
    North West Regional Organiser paulvectrac's Avatar
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    As wardy says it's invalided until the car is road legal again

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    you will only be covered to go to and from a confirmed booking at the MOT station , otherwise your running the gauntlet with the rozzers pal

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    Regular Member ftm100's Avatar
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    not unless it state in your policy
    quote from financial ombudsman

    13. roadworthiness

    Most motor policies contain an express requirement that the vehicle must be maintained in a roadworthy state. If so, where there is good evidence that the loss or damage was caused (or substantially contributed to) because the vehicle was unroadworthy, we are likely to consider it fair for the insurer to reject the claim.

    In other cases, the insurer might reduce the payout on the basis that the vehicle was not in good condition. If so, where there is good evidence that the vehicle would have failed an MOT test, we are likely to consider it fair for the insurer to take this into account in assessing its value.

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    Regular Member alcutler's Avatar
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    Default

    Thank you for the reply - the fact that your car does not have a current MOT does not automatically make it unroadworthy then - so therfore you could still be insured - I suppose if you had an accident and wrote your car off - they would pay less out because the car is worth less without a current MOT. I know if the Police were to stop you and find you have no MOT, they would automatically knock you off for not having insurance - whether you would get convicted is another matter.
    Admiral Insurance say that you are uninsured if you do not have a driving licence, mot, or road fund licence !
    Last edited by alcutler; 21st April 2012 at 16:29.

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    Regular Member Bigglesfliesundone's Avatar
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    I was pulled on M6 by the Boys in Blue on my last birthday because my MOT has lasped by a week.
    They gave me a fixed fine and producer (with MOT) but didnt say anything at all about my insurance being void!

  8. #8
    Regular Member kns's Avatar
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    Quote Originally Posted by Bigglesfliesundone View Post
    I was pulled on M6 by the Boys in Blue on my last birthday because my MOT has lasped by a week.
    They gave me a fixed fine and producer (with MOT) but didnt say anything at all about my insurance being void!
    That's correct it's a £60 fixed penalty and just because you have no MOT it does not mean you have no insurance.
    Read you insurance as a lot of them state if your vehicle has no MOT then it May invalidate your insurance not that it does.

    This is why the police do not do you for no insurance as you would of been checked out because when we do a vehicle check,the controller will say insurance held but no current MOT hence a FPN.

  9. #9
    Regular Member macdad's Avatar
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    I would have thought that the minimum requirement from the insurers point of view is, in the event that you did have an at fault accident and you did not have a valid MOT then they will cover the third party only,in actual fact the mot only covers you in reality for 24 hours after you have left the mot testing station ?does it not.

  10. #10
    Regular Member BigWilko's Avatar
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    I'd say your insurance company will try and wriggle out of paying out if they can. No MOT might be the excuse they need. I'd also say that if you were insured and parked on your drive (SORN) and it got broken into but you'd be OK, but driving into someone, i wouldn't bank on it.

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