Some advice re insurance claim.
Discussion
On saturday morning my boss managed to plant his car into the middle of a roundabout. He continued driving (had to get to work) but eventually the car ('55 reg Citroen Picasso 2.0HDi) died with the warning 'Oil Leak' on the dashboard. It was recovered home by his breakdown company.
There is quite a lot of damage to the front of the car, and obviously an oil pipe has been burst somewhere. He rang the insurance co on saturday to report it, they took details and said they would get back to him today. Yesterday while digging through documentation he finds the vehicle is well out of MOT.
He currently has a hire car provided by his insurance co. Will he have to give this back? Will he be billed for the weekend he has had it? Will the insurance co deem his insurance to be invalid?
In fact, would it be better for them not to take the car?
ARGH wrong place. I'm sure I clicked SP&L?
There is quite a lot of damage to the front of the car, and obviously an oil pipe has been burst somewhere. He rang the insurance co on saturday to report it, they took details and said they would get back to him today. Yesterday while digging through documentation he finds the vehicle is well out of MOT.
He currently has a hire car provided by his insurance co. Will he have to give this back? Will he be billed for the weekend he has had it? Will the insurance co deem his insurance to be invalid?
In fact, would it be better for them not to take the car?
ARGH wrong place. I'm sure I clicked SP&L?
Edited by MrPeters on Monday 15th November 07:38
Road tax in date?
MOT certs are inspected when the car is a write off. No MOT will result in a lower valuation. It does not invalidate your insurance. MOT only proves a car is roadworthy on the day of the MOT test.
Do not volunteer the MOT information. Get the car repaired and then arrange an MOT test for the day you collect it from the bodyshop. You must then drive from bodyshop to MOT testing station - the only journey you can legally make without an MOT.
http://www.direct.gov.uk/en/Motoring/OwningAVehicl...
MOT certs are inspected when the car is a write off. No MOT will result in a lower valuation. It does not invalidate your insurance. MOT only proves a car is roadworthy on the day of the MOT test.
Do not volunteer the MOT information. Get the car repaired and then arrange an MOT test for the day you collect it from the bodyshop. You must then drive from bodyshop to MOT testing station - the only journey you can legally make without an MOT.
http://www.direct.gov.uk/en/Motoring/OwningAVehicl...
Edited by cal72 on Monday 15th November 08:56
A lack of a current MOT certificate does NOT void your insurance. My OH had an "incident" about 18 months ago that did not involve any other vehicle, so effectively her "fault" which resulted in the car being written off due to engine damage.
The insurance company paid out, HOWEVER they did reduce the payout by 10% due to the MOT having expired a month prior to the incident.
They told me at the time that they would have reduced the payout further if the incident had been contributed to by something that an MOT test would have identified, e.g. if the brakes had failed due to a burst,corroded, brake pipe.
Since this was not the case in my OH's incident, they reduced the "market value" of her settlement by the "market value" of a current MOT, i.e 10%
Tell your boss not to worry, to be upfront with the Ins Co about the MOT and not to worry.
The insurance company paid out, HOWEVER they did reduce the payout by 10% due to the MOT having expired a month prior to the incident.
They told me at the time that they would have reduced the payout further if the incident had been contributed to by something that an MOT test would have identified, e.g. if the brakes had failed due to a burst,corroded, brake pipe.
Since this was not the case in my OH's incident, they reduced the "market value" of her settlement by the "market value" of a current MOT, i.e 10%
Tell your boss not to worry, to be upfront with the Ins Co about the MOT and not to worry.
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