Insurance for MOT
Discussion
I'm after an insurance quote to start on Saturday, as have a car that's been off the road for a while booked in for an MOT.
Up until now this has never been a problem, get cover, drive to the MOT station - all fine... until today! Just been told (by Admiral) that I can't have insurance to take my car to the MOT station?!
This is news to me... and certainly wasn't a problem the other week when I insured and drove my MG for a similar procedure at the start of the month.
The suggestion from the insurance company was to get someone from the garage to collect my car and take it for an MOT for me?!
Anyone got any info / thoughts on this?
Up until now this has never been a problem, get cover, drive to the MOT station - all fine... until today! Just been told (by Admiral) that I can't have insurance to take my car to the MOT station?!
This is news to me... and certainly wasn't a problem the other week when I insured and drove my MG for a similar procedure at the start of the month.
The suggestion from the insurance company was to get someone from the garage to collect my car and take it for an MOT for me?!
Anyone got any info / thoughts on this?
BlueMR2 said:
Get insurance from someone else.
This, or phone Admiral back and ask them where you can find that particular restriction in their policy documentation*.[ * - probably in the same place as the clause that says you are covered to drive other vehicles only if it's an 'emergency'.. ]
Hi OP,
Not something I've personally heard before. The issue *should* realistically, rest with road legality.
But, to quote the government website;
"If your MOT has expired
You can’t drive your vehicle on the road if the MOT has expired. You could be prosecuted if caught.
The only exception is if you’ve already booked an MOT and are driving your vehicle to the test centre"
Source; https://www.gov.uk/getting-an-mot/the-mot-test
Thanks,
Ash
PS. Feel free to DM if you'd like us to look at a quote ;-)
EDITED - To shamelessly plug insurance
Not something I've personally heard before. The issue *should* realistically, rest with road legality.
But, to quote the government website;
"If your MOT has expired
You can’t drive your vehicle on the road if the MOT has expired. You could be prosecuted if caught.
The only exception is if you’ve already booked an MOT and are driving your vehicle to the test centre"
Source; https://www.gov.uk/getting-an-mot/the-mot-test
Thanks,
Ash
PS. Feel free to DM if you'd like us to look at a quote ;-)
EDITED - To shamelessly plug insurance
Edited by Ash From Flux on Wednesday 12th March 15:00
Ash From Flux said:
Hi OP,
Not something I've personally heard before. The issue *should* realistically, rest with road legality.
But, to quote the government website;
"If your MOT has expired
You can’t drive your vehicle on the road if the MOT has expired. You could be prosecuted if caught.
The only exception is if you’ve already booked an MOT and are driving your vehicle to the test centre"
Source; https://www.gov.uk/getting-an-mot/the-mot-test
Thanks,
Ash
PS. Feel free to DM if you'd like us to look at a quote ;-)
EDITED - To shamelessly plug insurance
Thanks Ash - have had cars insured with the 'Flux' before and must say you guys always know what you're talking about Not something I've personally heard before. The issue *should* realistically, rest with road legality.
But, to quote the government website;
"If your MOT has expired
You can’t drive your vehicle on the road if the MOT has expired. You could be prosecuted if caught.
The only exception is if you’ve already booked an MOT and are driving your vehicle to the test centre"
Source; https://www.gov.uk/getting-an-mot/the-mot-test
Thanks,
Ash
PS. Feel free to DM if you'd like us to look at a quote ;-)
EDITED - To shamelessly plug insurance
Edited by Ash From Flux on Wednesday 12th March 15:00
If you can 'quote me happy' (just to show that other insurance companies are also available) then let's talk!
Slidingpillar said:
I've heard this said of Admiral policies before. However, it's not a common condition, usually there is no mention of the MOT, but there is a requirement to keep the car in roadworthy condition.
A policy requirement for the vehicle to be maintained in a road-worthy condition is not the same as refusing cover in the absence of an MOT.The former is standard Admiral policy, the latter is not.
quantum_man said:
Well I was a bit surprised at what I was told... this would have been the third car to add to my multicar policy too!
I have to say, up to now Admiral have been fantastic and I really like the multicar scheme. Perhaps I just got unlucky with the operator?
I'd ring Admiral again & ask same question to different operator. If you get same answer as before either tell them you have gone to an MOT test before with an un MOTed vehicle, insured by them, or ask to discuss it with their Line Manager.I have to say, up to now Admiral have been fantastic and I really like the multicar scheme. Perhaps I just got unlucky with the operator?
Would be a lot of unnecessary faff to take out a short term policy elsewhere, especially as you intend to place the vehicle on your Multicar policy.
I'm almost certain (feel free to correct me) that it's LEGAL to drive on the road with no MOT, provided you have insurance.
There's a pretty big if though - you can only be on a reasonable route to the MOT station, which in turn has to be local to you. Not necessarily the closest, but you'd have a job explaining it for a MOT test centre 200 miles from home. And finally, FFS make damn sure you have it booked in. If you don't you'll find it a lot harder to justify your journey if you get questioned. Oh, and the car obviously has to be in good order. No point in trying to blag a s
t-heap...
In summary - if the test centre is close to you, you have booked an appointment, your car is insured, and in a good condition, you should be fine.
There's a pretty big if though - you can only be on a reasonable route to the MOT station, which in turn has to be local to you. Not necessarily the closest, but you'd have a job explaining it for a MOT test centre 200 miles from home. And finally, FFS make damn sure you have it booked in. If you don't you'll find it a lot harder to justify your journey if you get questioned. Oh, and the car obviously has to be in good order. No point in trying to blag a s
t-heap...In summary - if the test centre is close to you, you have booked an appointment, your car is insured, and in a good condition, you should be fine.
Jim AK said:
I'd ring Admiral again & ask same question to different operator. If you get same answer as before either tell them you have gone to an MOT test before with an un MOTed vehicle, insured by them, or ask to discuss it with their Line Manager.
Would be a lot of unnecessary faff to take out a short term policy elsewhere, especially as you intend to place the vehicle on your Multicar policy.
Agree, Jim. Will try again later / tomorrow but was on the phone 20 mins or so while she read out all the standard blurb they tend to do BEFORE they even give you the quote... OR in my case refuse to give me the quote Would be a lot of unnecessary faff to take out a short term policy elsewhere, especially as you intend to place the vehicle on your Multicar policy.
and had a short 'desk' lunch today anyway.Incidentally, it was the line manager who, apparently, was calling the shots here.
I need to get hold of the nice American guy I spoke to last time, who was very enthusiastic about the MG and recommended I "get some Tom Petty on the stereo while cruising down that old M25 freeway" !!!
TobyLerone said:
I'm almost certain (feel free to correct me) that it's LEGAL to drive on the road with no MOT, provided you have insurance.
Assuming you are driving to or from a pre-arranged MOT inspection, then it is perectly legal. The vehicle must still be roadworthy though as the exemption won't protect the driver from prosecution if the vehicle was stopped and was found to contain defects (ie bald tyres).TobyLerone said:
There's a pretty big if though - you can only be on a reasonable route to the MOT station, which in turn has to be local to you.
No it doesn't - there's no mention in the regulations about distance.Motor Vehicle Tests Regulations 1981 said:
6. Exemptions
(2) Pursuant to section 44(6) the Secretary of State hereby exempts from section 44(1) for use of a vehicle;
(a) (i) for the purpose of submitting it by previous arrangement for, or bringing it away from, an examination, or
(ii) in the course of an examination, for the purpose of taking it to, or bringing it away from, any place where a part of the examination is to be or, as the case may be, has been, carried out, or of carrying out any part of the examination, the person so using it being either—
(A) an examiner, or a Ministry Inspector or an inspector appointed by a designated council, or
(B) a person acting under the personal direction of an examiner, a Ministry
Inspector or a designated Council, or
(iii) where a test certificate is refused on an examination—
(A) for the purpose of delivering it by previous arrangement at, or bringing it away from, a place where work is to be or has been done on it to remedy for a further examination the defects on the ground of which the test certificate was refused; or
(B) for the purpose of delivering it, by towing it, to a place where the vehicle is to be broken up;
(b) for any purpose for which the vehicle is authorised to be used on roads by an order under section 42;
(c) where the vehicle has been imported into Great Britain, for the purpose of its being driven after arrival in Great Britain on the journey from the place where it has arrived in Great Britain to a place of residence of the owner or driver of the vehicle;
(d) for the purpose of removing it in pursuance of section 3 of the Refuse Disposal (Amenity) Act 1978 of moving or removing it in pursuance of regulations under section 20 of the Road Traffic Regulation Act 1967 as altered by the Removal and Disposal of Vehicles (Alteration of Enactments) Order 1967 or of removing it from a parking place in pursuance of an order
under section 31(1) of the Road Traffic Regulation Act 1967, an order relating to a parking place designated under section 35 thereof, or a provision of a designation order having effect by virtue of section 39(2) thereof;
(e) where the vehicle has been detained or seized by a police constable, for police purposes connected with such detention or seizure;
(2) Pursuant to section 44(6) the Secretary of State hereby exempts from section 44(1) for use of a vehicle;
(a) (i) for the purpose of submitting it by previous arrangement for, or bringing it away from, an examination, or
(ii) in the course of an examination, for the purpose of taking it to, or bringing it away from, any place where a part of the examination is to be or, as the case may be, has been, carried out, or of carrying out any part of the examination, the person so using it being either—
(A) an examiner, or a Ministry Inspector or an inspector appointed by a designated council, or
(B) a person acting under the personal direction of an examiner, a Ministry
Inspector or a designated Council, or
(iii) where a test certificate is refused on an examination—
(A) for the purpose of delivering it by previous arrangement at, or bringing it away from, a place where work is to be or has been done on it to remedy for a further examination the defects on the ground of which the test certificate was refused; or
(B) for the purpose of delivering it, by towing it, to a place where the vehicle is to be broken up;
(b) for any purpose for which the vehicle is authorised to be used on roads by an order under section 42;
(c) where the vehicle has been imported into Great Britain, for the purpose of its being driven after arrival in Great Britain on the journey from the place where it has arrived in Great Britain to a place of residence of the owner or driver of the vehicle;
(d) for the purpose of removing it in pursuance of section 3 of the Refuse Disposal (Amenity) Act 1978 of moving or removing it in pursuance of regulations under section 20 of the Road Traffic Regulation Act 1967 as altered by the Removal and Disposal of Vehicles (Alteration of Enactments) Order 1967 or of removing it from a parking place in pursuance of an order
under section 31(1) of the Road Traffic Regulation Act 1967, an order relating to a parking place designated under section 35 thereof, or a provision of a designation order having effect by virtue of section 39(2) thereof;
(e) where the vehicle has been detained or seized by a police constable, for police purposes connected with such detention or seizure;
TobyLerone said:
I'm almost certain (feel free to correct me) that it's LEGAL to drive on the road with no MOT, provided you have insurance.
There's a pretty big if though - you can only be on a reasonable route to the MOT station, which in turn has to be local to you. Not necessarily the closest, but you'd have a job explaining it for a MOT test centre 200 miles from home. And finally, FFS make damn sure you have it booked in. If you don't you'll find it a lot harder to justify your journey if you get questioned. Oh, and the car obviously has to be in good order. No point in trying to blag a st-heap...
In summary - if the test centre is close to you, you have booked an appointment, your car is insured, and in a good condition, you should be fine.
The first part of your post misses the point of the OP completely. It's the insurance that he can't get.There's a pretty big if though - you can only be on a reasonable route to the MOT station, which in turn has to be local to you. Not necessarily the closest, but you'd have a job explaining it for a MOT test centre 200 miles from home. And finally, FFS make damn sure you have it booked in. If you don't you'll find it a lot harder to justify your journey if you get questioned. Oh, and the car obviously has to be in good order. No point in trying to blag a s
t-heap...In summary - if the test centre is close to you, you have booked an appointment, your car is insured, and in a good condition, you should be fine.
The second part of your post is utter tosh, repeating the same incorrect internet myths yet again. There is no pretty big if. There is no stipulation in the regs about using a local MOT station. You can quite legitimately book an untested car into an MOT station 200 miles away if you so wish. No justification necessary.
Today I had a choice of Admiral, or Tesco for an extra 64 pence. So glad I'm now so exceedingly well-off that I could spring for Tesco instead. Had to be with Admiral for years as they were easily the cheapest, and never had a good experience with them. Once they tried to cancel my policy after I phoned to get a price on if I swapped the engine for a 16v. Their price was ridiculous, so I decided against the swap. Didn't stop them trying to cancel the policy. Only after multiple phone calls and a letter (email not enough) did they accept that I hadn't made any modifications.
quantum_man said:
Agree, Jim. Will try again later / tomorrow but was on the phone 20 mins or so while she read out all the standard blurb they tend to do BEFORE they even give you the quote... OR in my case refuse to give me the quote and had a short 'desk' lunch today anyway.
Incidentally, it was the line manager who, apparently, was calling the shots here.
I need to get hold of the nice American guy I spoke to last time, who was very enthusiastic about the MG and recommended I "get some Tom Petty on the stereo while cruising down that old M25 freeway" !!!
Good luck with that. and had a short 'desk' lunch today anyway.Incidentally, it was the line manager who, apparently, was calling the shots here.
I need to get hold of the nice American guy I spoke to last time, who was very enthusiastic about the MG and recommended I "get some Tom Petty on the stereo while cruising down that old M25 freeway" !!!
Going to check what my policy says as I think my barge is out of MOT during Easter & I don't have time to sort it beforehand!
Well, not wanting to tempt fate, I believe the car to be road legal, ie has 4 brand new tyres on reconditioned wheels, all lights / horn / pre-test checks passed... doesn't chuck out any blue smoke (etc), good strong waxoyled chassis / tidy bodywork - however experience tells me that MOT's can throw up the odd surprise!
The ABS light and electric seat even work - which is amazing for a 20 year old car.
The ABS light and electric seat even work - which is amazing for a 20 year old car.
quantum_man said:
... this would have been the third car to add to my multicar policy too!
I have to say, up to now Admiral have been fantastic and I really like the multicar scheme. ...
Please let us know how the renewal quote stacks up, and do please bear in mind that at least 2 of your cars' insurance renewal dates will now be on the same date should you decide to go elsewhere (but they don't tell you this in their ads, do they? I have to say, up to now Admiral have been fantastic and I really like the multicar scheme. ...
).Admiral's unexpectedly-expensive quote for the next 12 months will reflect a full year's insurance per car rather than a full year's insurance for the first cars plus varying fractions of a year for the second and subsequent cars (they don't tell you this either, do they?
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