MOT expired 6 days before van break in

[scottydoesntknow]

My fault entirely. Didn’t realise MOT was due and was away on holiday.

Van was broken into and badly damaged 6 days after the MOT expiry.

Insurers now saying I’m not covered for the damage.

£2k of tools gone and van looks to be written off.

Anything I can do about this?

[Dave.]

What does you policy say wrt MoT?

[scottydoesntknow]

NIG the underwriter says not covered. Broker Lloyds cautiously said there may be 14 days grace. Waiting on a call back.

Edited by scottydoesntknow on Friday 29th November 13:03

[Dr Interceptor]

Challenge any decision - a current MOT may well be a condition of the policy but has no relevance to the claim, aside from altering the market value of the vehicle (one without an MOT will be worth less than one with)

[scottydoesntknow]

Thanks. I’ve just found this thread.

https://www.pistonheads.com/gassing/topic.asp?h=0&...

[anonymous-user]

they can apply small variances but not withold full payout, the FO is clear on this, even if in the contract terms.

[scottydoesntknow]

Thesprucegoose said:

they can apply small variances but not withold full payout, the FO is clear on this, even if in the contract terms.

Here’s hoping. I’ve had my gear nicked as well as my ability to earn a living. Appreciate the reply,

[anonymous-user]

i just realised it is a commercial policy, and think might be different to consumer policies. Best person on here is twig he works in the industry might be worth pming him for help/advice?

[scottydoesntknow]

Thanks, I’ve sent him a PM

[scottydoesntknow]

Lloyd’s are saying no MOT no insurance. Waiting on confirmation from underwriter.

[SS2.]

Financial Ombudsman Service helpline - 0800 023 4567.

[rigga]

Pretty sure having no mot does not invalidate insurance, but look at the contract closely.

[scottydoesntknow]

rigga said:

Pretty sure having no mot does not invalidate insurance, but look at the contract closely.

All reasonable precautions.

[Sheepshanks]

Where was the van parked?

[scottydoesntknow]

On the street outside my home.

[SS2.]

The insurer can include a variety of conditions within their policy documentation, but it doesn't automatically follow that liabilities can be dodged should certain conditions not be satisfied.

[Sheepshanks]

scottydoesntknow said:

On the street outside my home.

Oh. Forget that then - I was hoping you were going to say it was off the road.

Is it normal to leave £K's of tools in a van parked on the road - especially when you're away? I thought the drill (no pun intended) was stuff was removed overnight.

[scottydoesntknow]

SS2. said:

The insurer can include a variety of conditions within their policy documentation, but it doesn't automatically follow that liabilities can be dodged should certain conditions not be satisfied.

They seem very keen to dodge this one.

[Durzel]

Can’t imagine FO finding in favour of an insco disclaiming full liability for a claim for an MOT less than a week expired (or at all, really)

[AndyDRZ]

Were you on holiday from before the MOT ran out?

If so, how do you know that it was broken into after the MOT ran out? You were not there... could have been anytime

The neighbour might have been confused when they said "it happened on Monday" they might have meant the Monday before. Just before the MOT ran out.