Does no MOT invalidate insurance?

[phil1979]

Just realised my MOT ran out! Booked a test for next Tuesday - does it mean my insurance would be void if I prang before next week?

Cheers
Phil.

[jay gti]

No, but your insurers may deduct a percentage off the payout for not having one if you total the car (on the premise that your car is worth less without an MOT). A mate at work wrote off his 5 series last year and only discovered after the incident, while he was getting the docs together for the claim, his MOT had expired 2 months previous. His insurance company deducted 10% off the payout.

[esselte]

jay gti said:

No, but your insurers may deduct a percentage off the payout for not having one if you total the car (on the premise that your car is worth less without an MOT). A mate at work wrote off his 5 series last year and only discovered after the incident, while he was getting the docs together for the claim, his MOT had expired 2 months previous. His insurance company deducted 10% off the payout.

I could understand missing an MOT by a couple of days but 2 months ?

[phil1979]

I lied a little. Was the Mrs... she's missed by 3 months....

[jay gti]

esselte said:

jay gti said:

No, but your insurers may deduct a percentage off the payout for not having one if you total the car (on the premise that your car is worth less without an MOT). A mate at work wrote off his 5 series last year and only discovered after the incident, while he was getting the docs together for the claim, his MOT had expired 2 months previous. His insurance company deducted 10% off the payout.

I could understand missing an MOT by a couple of days but 2 months ?

It happens, MOT garages generally don't send out reminders and he's a busy guy.

[groomi]

phil1979 said:

I lied a little. Was the Mrs... she's missed by 3 months....

You mean there's a little phil1979 on the way????

[Podie]

phil1979 said:

Just realised my MOT ran out! Booked a test for next Tuesday - does it mean my insurance would be void if I prang before next week?

Cheers
Phil.

er.. I thought it was illegal to drive without an MOT, unless you had a test booked and were on your way to have the test done?!?

... or is that one of those urban legends?

[bimsb6]

it is but the insurance issue is at their discretion .after all the mot is no guarantee of roadworthyness at any time after the mot ,just at that moment in time .

[rsvmilly]

groomi said:

phil1979 said:

I lied a little. Was the Mrs... she's missed by 3 months....

You mean there's a little phil1979 on the way????

The fine for no insurance would be cheaper.....

[Bart Sumo]

Read the small print in your policy. You could find there is no cover.

[anhamgrimmar]

my insurance contract says no MOT=no insurance. i dunno if this is the norm, but they can wriggle out of it if they want

[qwertyford]

Just randomly, but what about not having road tax or does this have nothing to do with insurance

[gretchen]

So, if you are to declare a car sorn, or are restoring a car, how would you go about insuring it against theft/damage?

[Plotloss]

gretchen said:

So, if you are to declare a car sorn, or are restoring a car, how would you go about insuring it against theft/damage?

You can get specific laid up cover.

[gretchen]

Plotloss said:

gretchen said:

So, if you are to declare a car sorn, or are restoring a car, how would you go about insuring it against theft/damage?

You can get specific laid up cover.

Any idea of what the difference cost wise, on average, it works out to and do regular insurers provide this type of cover? I'm pretty sure my father has one covered like this, but talking cars with him is a sore subject at the moment!

[dragonlord003]

You will find that the small print will refuse cover

But they have to make good 3rd party claims against you thay cant with draw that but can not cover fully comp or theft of fire.

[Plotloss]

If you have a prang, they may not ask for an MOT...

[vonhosen]

By law an insurance company can't evade their 3rd party liability because of no MOT & 3rd party liability cover is all you require by law, so you will be covered if you have an insurance policy in force.

What it can effect is, if you have fully comp insurance & make a claim, they may use the fact you have no current MOT against you when paying out for damage to your vehicle & reduce their payout as a result.

You of course though shouldn't be driving your car on the the road without a MOT (save for legal exemptions).

Edited by vonhosen on Monday 19th June 00:37

[Pat H]

vonhosen said:

By law an insurance company can't evade their 3rd party liability because of no MOT & 3rd party liability cover is all you require by law, so you will be covered if you have an insurance policy in force.

What it can effect is, if you have fully comp insurance & make a claim, they may use the fact you have no current MOT against you when paying out for damage to your vehicle & reduce their payout as a result.

You of course though shouldn't be driving your car on the the road without a MOT (save for legal exemptions)

Yep.

In terms of traffic offences, lack of MOT, or indeed lack of VEL will do nothing to invalidate a current certificate of insurance.

So you could not be successfully prosecuted for No Insurance if Mr Plod caught you out and about without VEL or MOT.

No MOT and no VEL are not endorseable, just a fine and in the case of VEL, the back duty as well.

No insurance is endorseable with 6-8 points and the magistrates have a discretionary power to disqualify in the alternative.

Typical fine for No Insurance at my local court is only about £250, but they tend to disqualify...

[bosshog]

Pat H said:

Typical fine for No Insurance at my local court is only about £250, but they tend to disqualify...

Bloody hell , so its cheaper to have no insurance and to get caught than have an insurance policy?