Pre MOT Test Drive & Insurance - Car Presently Sorned.
Discussion
due to ill health i had to sorn one of my cars.
the car presently has no insurance or mot.
i'm now in a position (health-wise) to prepare the car for mot myself & take it to one of our dvla test centres (i live in n ireland).
after i prepare it i would obviously like to give it a test drive prior to the mot as it has been off road for 10 months.
however, i understand that any insurance will only cover me to & from the mot centre.
the insurance company are also saying that even to get the car mot'd elsewhere i would have to get it transported.
any advice on this?
cheers
the car presently has no insurance or mot.
i'm now in a position (health-wise) to prepare the car for mot myself & take it to one of our dvla test centres (i live in n ireland).
after i prepare it i would obviously like to give it a test drive prior to the mot as it has been off road for 10 months.
however, i understand that any insurance will only cover me to & from the mot centre.
the insurance company are also saying that even to get the car mot'd elsewhere i would have to get it transported.
any advice on this?
cheers
Edited by cammer on Sunday 1st November 17:51
cammer said:
...i'm now in a position (health-wise) to mot the car myself at the sorn address of the car ie my house.
Eh? Is your house an MOT station? Are you an MOT tester?cammer said:
...the insurance company are also saying that even to get the car mot'd elsewhere i would have to get it transported.
The Insurance company don't know what they're talking about. There's no stipulation in the regs about what distance you can drive to an MOT. An insured car can be driven to any pre-booked MOT test.cammer said:
however, i understand that any insurance will only cover me to & from the mot centre (i live in n Ireland).
Insurance can't refuse third party cover. They might restrict your normal full cover to legal minimum.You are committing an offence by driving an untaxed, SORNed car EXCEPT straight to/from an MOT test and/or a place of repair. It still has to be roadworthy, though.
Assuming that NI law is the same as ours and that there isn't a restriction on where and when you can drive, simply set off for the pre-booked MOT and hour or two early; possibly taking a circular route that passes your home on a number of occasions if that would be beneficial.
Make sure it is in their diary (which Im sure it will be as you only have ministry testing stations, don't you?) and youre away.
Make sure it is in their diary (which Im sure it will be as you only have ministry testing stations, don't you?) and youre away.
TwigtheWonderkid said:
TooMany2cvs said:
Insurance can't refuse third party cover.
True, but they can sue you to recover their outlay if you we driving outside the Ts & Cs of your policy.So,someone can drive their car,that's not taxed or MOT`d,to an MOT station providing an appointment has been made.
On the way they have an accident,the Police decide it was caused by a mechanical fault with their car. What happens then?
Old Merc said:
So,someone can drive their car,that's not taxed or MOT`d,to an MOT station providing an appointment has been made.
On the way they have an accident,the Police decide it was caused by a mechanical fault with their car. What happens then?
Exactly the same as if they had a current MOT certificate.On the way they have an accident,the Police decide it was caused by a mechanical fault with their car. What happens then?
so does this effectively mean that after i prepare the car for mot i will have to take the chance that everything, particularly the brakes, are ok on the drive to the mot centre?
am i therefore correct in thinking that motor trade insurance is allowed to circumvent issues regarding mot & driving the vehicle on the road? - that is other than to a test centre.
am i therefore correct in thinking that motor trade insurance is allowed to circumvent issues regarding mot & driving the vehicle on the road? - that is other than to a test centre.
cammer said:
so does this effectively mean that after i prepare the car for mot i will have to take the chance that everything, particularly the brakes, are ok on the drive to the mot centre?
Yes, as you've read above.cammer said:
am i therefore correct in thinking that motor trade insurance is allowed to circumvent issues regarding mot & driving the vehicle on the road? - that is other than to a test centre.
No, you are not correct. Insurance, whether "motor trade" or private has got nothing whatsoever to do with MOT status.cammer said:
so does this effectively mean that after i prepare the car for mot i will have to take the chance that everything, particularly the brakes, are ok on the drive to the mot centre?
Yes. Although, obviously, you'll have done a lot more than just guess first, right?cammer said:
am i therefore correct in thinking that motor trade insurance is allowed to circumvent issues regarding mot & driving the vehicle on the road? - that is other than to a test centre.
No. Trade plates get around registration/tax issues, but the MOT exemption still applies. Motor trade INSURANCE is just to replace having to have a normal policy on the car. And, yes, "roadworthy" still applies, too.Your only choice really is get insurance, take to MoT, if it fails, take it home and fix it.
If you want the chance to warm it up and use the brakes, book an MoT further away or just take a longer route on the way.
The one thing you can't do is go for a test drive when you are not going to the MoT (for example the day before).
Bert
If you want the chance to warm it up and use the brakes, book an MoT further away or just take a longer route on the way.
The one thing you can't do is go for a test drive when you are not going to the MoT (for example the day before).
Bert
ds will fail it anyway.Gassing Station | Speed, Plod & the Law | Top of Page | What's New | My Stuff