Accident advice

[W 4.O TUS]

Help ive had an accident knowone else involved but just noticed my mot is 2 days out and i have to present my documents to the police how will this effect me and my insurance.

[Vesuvius 996]

W 4.O TUS said:

Help ive had an accident knowone else involved but just noticed my mot is 2 days out and i have to present my documents to the police how will this effect me and my insurance.

Sh1t. Lesson about to be learned here.

You'll get done for no MOT which I think is a fine and points.

Insurance not sure - they might have a clause in the policy which requires you to have an MOT to make the policy valid although I suspect they'd still cover any third party liability. Do you have the policy document?

[W 4.O TUS]

yes i have the policy document

[Vesuvius 996]

W 4.O TUS said:

yes i have the policy document

Read the Terms and Conditions - see if there is anything in them whcih says anyting like "it is a condition of the policy of motor insurance that there be at all times a valid MOT certificate relating to the iinsured vehicle"

[W 4.O TUS]

it says
your car whilst being kept or used without a current mot certificate if one is needed.


Bearing in mind my mot was out 2 days prior to my accident which happened on bank holiday monday

[Vesuvius 996]

W 4.O TUS said:

it says
your car whilst being kept or used without a current mot certificate if one is needed.


Bearing in mind my mot was out 2 days prior to my accident which happened on bank holiday monday

I need the bit which comes above that.

Does it say something like "we will not cover you when...."

[W 4.O TUS]

ok it states
General exceptions
The insurance does not cover:

[esselte]

W 4.O TUS said:

ok it states
General exceptions
The insurance does not cover:

Ooops.......

[W 4.O TUS]

will the police report this to the insurance company, or will the insurance company ask for the mot document

[Vesuvius 996]

esselte said:

W 4.O TUS said:

ok it states
General exceptions
The insurance does not cover:

Ooops.......

Oh dear.

You've got a problem.


If I was you I would mail the guy on here called anniesdad. He is the guru.

In the old days of course you could have slipped the local garage fifty quid for a backdated MOT, but not these days.

I suspect the insurers won't be paying for your damage.

[esselte]

W 4.O TUS said:

will the police report this to the insurance company, or will the insurance company ask for the mot document

If you make a claim I would suspect the ins. co. may want sight of a current MOT......

[Vesuvius 996]

W 4.O TUS said:

will the police report this to the insurance company, or will the insurance company ask for the mot document

The insurers will check whether the car has an MOT when you claim.

Speak to anniesdad.

[W 4.O TUS]

ok thanks for advice ive e mailed him

[Vesuvius 996]

W 4.O TUS said:

ok thanks for advice ive e mailed him

No worries. I think you're screwed to be honest. It's clear they cover you only when you've got a valid MOT. And you didn't have one.

Sorry.

Let us know how you get on.

[eltax91]

Are you sure you were not on your way to your local MOT station when the accident occured?

I believe, if you have a PRE-BOOKED MOT then you are legally allowed to drive to the MOT station without any tax or an MOT and your insurance will still be valid.

Of course, if you had an accident en route then you would have not been able to attend the pre-booked MOT you had at the garage.

(Lets hope you have a friendly MOT station around)

[Yung Man]

Go and get it MOT'ed now, If it passes then it would have passed last week, If it doesn't then you deserve to get done because you where driving an unroadworthy car, you can't argue with that.
IMO If it passes it's not in anyone interest to charge you, think positive.

I bet you don't get done.

[W 4.O TUS]

will the police check up the garage for proof that i booked it in

[W 4.O TUS]

will the police check for proof that i booked it in for mot

[W 4.O TUS]

its a write off how can i get it mot

[Jules360]

Yung Man said:

Go and get it MOT'ed now, If it passes then it would have passed last week, If it doesn't then you deserve to get done because you where driving an unroadworthy car, you can't argue with that.
IMO If it passes it's not in anyone interest to charge you, think positive.

I bet you don't get done.

Seeing as he has just smashed it into another car, i think it's unlikely to pass an MOT.

Edited by Jules360 on Monday 3rd September 13:06