MOT expired 6 days before van break in

[scottydoesntknow]

Noted. I absolutely hold my hands up to my mistake. I’ve one SP30 in 20 plus years of driving and one claim (my fault) in my early 20’s. An expensive lesson learned.

[scottydoesntknow]

Appreciate the feedback gents, to reiterate I’m in no way trying to pull a fast one. I’ve been completely open and honest with my insurers. I pay my taxes, insure, service and (usually) MOT my vehicles. Just trying to salvage something from a silly mistake and a bad situation. Whilst my tools are no doubt being sold for profit by thieves on eBay, Facebook Marketplace and Gumtree I’m left with a vandalised van I can’t drive and no ability to earn a living in the run up to Christmas.

[scottydoesntknow]

NIG said:

Please note that following a review of the complaint and discussions with our underwriting department I can now advise that my enquiries into this matter are now complete.

Having viewed the conditions and exclusions of your policy I feel that these are clear and the vehicle would be expected to have a valid mot, in addition I am not aware of any grace period in order for the mot test to take place.

However having referred this matter to our underwriters and noted your comments I do feel that the lack of a current mot on the vehicle did not have any bearing on this claim and therefore having considered all the facts presented it has been agreed with the claims team that they will now deal with your claim.

Once the vehicle has been inspected and if the vehicle is a total loss the claims team will contact you regarding the next steps in order to make settlement with you.

May I take this opportunity to apologise for any issues you have experienced in this matter and I thank you for bringing this matter to our attention.

Appreciate all the help and advice gents.

[scottydoesntknow]

Just spoken with the engineer. He’s knocked £45 off for the lack of MOT which I thought was very fair. He’s given me a valuation which he described as trade of £3455. Parkers value the van retail at £4884. Closest equivalent I can find on Vantrader (same age and spec, 20k more miles) is £4689. Policy document states valuation is ‘market value’.

Worth negotiating or am I on my ninth life already?

This is the last time I buy insurance purely on price.