1hr Insurance for lapsed MOT - recommendations?
Discussion
Long story short, MOT expired 6 weeks ago on the toy car. It’s SORN, in garage over winter.
Aware you can take SORN’d vehicle to be MOT’d and back as long as it’s pre-booked, and I’ve done that previously but always before the MOT has expired so insurance is all good.
Being away with work, missed the MOT this year.
No advisories last year, so should be the same this year, limited dry miles travelled but you never know.
It’s insured - but - policy states covered only with valid MOT. So I’m not insured to drive it 4 miles to its pre-booked MOT.
Can anyone recommend any short duration cover - 1hr really that would cover this trip? My existing insurers have confirmed that they will not cover it.
Failing that, it’s tow truck time, which will be a complete PITA to sort.
Aware you can take SORN’d vehicle to be MOT’d and back as long as it’s pre-booked, and I’ve done that previously but always before the MOT has expired so insurance is all good.
Being away with work, missed the MOT this year.
No advisories last year, so should be the same this year, limited dry miles travelled but you never know.
It’s insured - but - policy states covered only with valid MOT. So I’m not insured to drive it 4 miles to its pre-booked MOT.
Can anyone recommend any short duration cover - 1hr really that would cover this trip? My existing insurers have confirmed that they will not cover it.
Failing that, it’s tow truck time, which will be a complete PITA to sort.
Just get some temporary cover. eg. https://www.tempcover.com/temporary-car-insurance?...
Or change your insurance company to one that has proper cover.
Or change your insurance company to one that has proper cover.
I had a similar arrangement recently. Insured a new to me car that had one day of MOT remaining. I asked the insurance company as I added it to our multi car policy and said the MOT was booked 5 days after it has expired. I explained I would drive directly there and back only for a pre booked MOT .
They explained I would be covered as long as the car was in a roadworthy condition.
Bit of a get out but not dependent on a valid MOT
It passed.
They explained I would be covered as long as the car was in a roadworthy condition.
Bit of a get out but not dependent on a valid MOT
It passed.
grumpy_dave said:
It’s insured - but - policy states covered only with valid MOT. So I’m not insured to drive it 4 miles to its pre-booked MOT.
You need to check the exact wording, if it is something like "not covered if the vehicle requires an MOT by law" then you are actually covered as you don't need an MOT to drive a car to a pre-booked MOT test.grumpy_dave said:
Long story short, MOT expired 6 weeks ago on the toy car. It’s SORN, in garage over winter.
Aware you can take SORN’d vehicle to be MOT’d and back as long as it’s pre-booked, and I’ve done that previously but always before the MOT has expired so insurance is all good.
Being away with work, missed the MOT this year.
No advisories last year, so should be the same this year, limited dry miles travelled but you never know.
It’s insured - but - policy states covered only with valid MOT. So I’m not insured to drive it 4 miles to its pre-booked MOT.
Can anyone recommend any short duration cover - 1hr really that would cover this trip? My existing insurers have confirmed that they will not cover it.
Failing that, it’s tow truck time, which will be a complete PITA to sort.
Is this a mainstream insurer? If the wording is as you say it is you could not ever insure a car under 3 years old, since none of them will have an MOT.Aware you can take SORN’d vehicle to be MOT’d and back as long as it’s pre-booked, and I’ve done that previously but always before the MOT has expired so insurance is all good.
Being away with work, missed the MOT this year.
No advisories last year, so should be the same this year, limited dry miles travelled but you never know.
It’s insured - but - policy states covered only with valid MOT. So I’m not insured to drive it 4 miles to its pre-booked MOT.
Can anyone recommend any short duration cover - 1hr really that would cover this trip? My existing insurers have confirmed that they will not cover it.
Failing that, it’s tow truck time, which will be a complete PITA to sort.
oakdale said:
Riley Blue said:
oakdale said:
If the car is insured I'm sure you will be covered for taking it for a pre-booked MOT.
Did you read the penultimate sentence of the OP?
There is a disturbance in The Force. A thousand voices cried out in terror and then were silent.
It turns out that yes, an insurer can require an MOT to provide cover.
OP- this lot say they will provide temporary cover for MOT visit.
https://www.cuvva.com/how-insurance-works/can-you-...
It turns out that yes, an insurer can require an MOT to provide cover.
OP- this lot say they will provide temporary cover for MOT visit.
https://www.cuvva.com/how-insurance-works/can-you-...
Edited by Robertb on Wednesday 23 April 09:33
SS2. said:
Robertb said:
There is a disturbance in The Force. A thousand voices cried out in terror and then were silent.
It turns out that yes, an insurer can require an MOT to provide cover.
The Ombudsman - 'hold my beer'...It turns out that yes, an insurer can require an MOT to provide cover.
Robertb said:
There is a disturbance in The Force. A thousand voices cried out in terror and then were silent.
It turns out that yes, an insurer can require an MOT to provide cover.
OP- this lot say they will provide temporary cover for MOT visit.
https://www.cuvva.com/how-insurance-works/can-you-...
Adding a link to a website that specialises in providing short term insurance cover does not prove anything.It turns out that yes, an insurer can require an MOT to provide cover.
OP- this lot say they will provide temporary cover for MOT visit.
https://www.cuvva.com/how-insurance-works/can-you-...
Edited by Robertb on Wednesday 23 April 09:33
Please provide a link to any insurance company terms and conditions that states a vehicle must have a valid MOT for cover to be provided, rather than the more standard "not covered if the vehicle requires an MOT by law".
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