MOT and Insurance.
Discussion
I just stumbled across this quite interesting site, a mine of information about improving your driving and also car related stuff too. They have advice ranging from how to reduce your car insurance, car buying guides, how to drive in snow, how to bump start a car etc.
http://www.drivingtesttips.biz/car-tips.html
One interesting piece of information was that "It's a commonly held misconception that driving without an MOT invalidates your insurance".
I'd thought this was the case myself.
http://www.drivingtesttips.biz/car-tips.html
One interesting piece of information was that "It's a commonly held misconception that driving without an MOT invalidates your insurance".
I'd thought this was the case myself.
Driving a non MOTed car on the road would invalidate your policy as it wouldn't be deemed as roadworthy (most policies will require your car to be MOTed if being used on the road). Plus it's illegal to drive without an MOT so regardless of the insurance situation, you shouldn't do it.
It is perfectly legal to insure a car that doesn't have an MOT though. Track cars, for example, or SORNED cars. Driving them on the road would be a breach of your policy though.
It is perfectly legal to insure a car that doesn't have an MOT though. Track cars, for example, or SORNED cars. Driving them on the road would be a breach of your policy though.
The website says the following.
The majority of car insurance providers make no mention of an MOT and stipulate in there T&Cs that the vehicle must be in a roadworthy condition. An MOT is no guarantee that your vehicle is in roadworthy condition other than the moment you leave the MOT station with you new certificate.
The majority of car insurance providers make no mention of an MOT and stipulate in there T&Cs that the vehicle must be in a roadworthy condition. An MOT is no guarantee that your vehicle is in roadworthy condition other than the moment you leave the MOT station with you new certificate.
Here you go. Scroll down the page a bit until you get to "Does no MOT invalidate insurance"
http://www.drivingtesttips.biz/driving-without-an-...
http://www.drivingtesttips.biz/driving-without-an-...
If you rang an insurance company telling them that you intend to drive on the road but the car has no MOT. They wouldn't insure you.
If your MOT ran out halfway through the policy and you chose not to renew it, I highly doubt your insurance company would cover you if you had an accident on the road.
Regardless, does it matter what a website says? It is still a legal requirement to have an MOT if you want to drive on the road, regardless if you are insured or not.
If your MOT ran out halfway through the policy and you chose not to renew it, I highly doubt your insurance company would cover you if you had an accident on the road.
Regardless, does it matter what a website says? It is still a legal requirement to have an MOT if you want to drive on the road, regardless if you are insured or not.
MysteryLemon said:
If you rang an insurance company telling them that you intend to drive on the road but the car has no MOT. They wouldn't insure you.
If your MOT ran out halfway through the policy and you chose not to renew it, I highly doubt your insurance company would cover you if you had an accident on the road.
Regardless, does it matter what a website says? It is still a legal requirement to have an MOT if you want to drive on the road, regardless if you are insured or not.
I know you need an MOT but if you're insured then the worst that can happen is £60 fine and no points, if the police ever catch you.If your MOT ran out halfway through the policy and you chose not to renew it, I highly doubt your insurance company would cover you if you had an accident on the road.
Regardless, does it matter what a website says? It is still a legal requirement to have an MOT if you want to drive on the road, regardless if you are insured or not.
Edited by MarshPhantom on Saturday 31st August 13:28
I take it this applies to driving it to a pre booked MOT test after a long period of vehicle being off road?.
This will apply to me, as the Lancer Turbo is almost finished (and currently insured anyway) and will be presented for a ticket within a month or so. However, if having no MOT invalidates said policy, would I be better off just trailering it to the testing station, just in case?. (I had intended to drive it).
This will apply to me, as the Lancer Turbo is almost finished (and currently insured anyway) and will be presented for a ticket within a month or so. However, if having no MOT invalidates said policy, would I be better off just trailering it to the testing station, just in case?. (I had intended to drive it).
texaxile said:
I take it this applies to driving it to a pre booked MOT test after a long period of vehicle being off road?.
This will apply to me, as the Lancer Turbo is almost finished (and currently insured anyway) and will be presented for a ticket within a month or so. However, if having no MOT invalidates said policy, would I be better off just trailering it to the testing station, just in case?. (I had intended to drive it).
If you have pre-booked appointment at the MOT station you are OK to drive there without a ticket anyway.This will apply to me, as the Lancer Turbo is almost finished (and currently insured anyway) and will be presented for a ticket within a month or so. However, if having no MOT invalidates said policy, would I be better off just trailering it to the testing station, just in case?. (I had intended to drive it).
The important thing if your MOT runs out is that it doesn't mean you have no insurance. This is because it doesn't allow your insurer to avoid their 3rd party liabilities. That's why you still have insurance in law, as you still have the minimum cover required by law.
That doesn't mean that if you trash your car your insurer will cover your car fully comp though, it just means they'll still have to meet the 3rd party cover liability. It also doesn't mean that they won't seek to recover from you any money they have to pay out in relation to 3rd party liabilities.
That doesn't mean that if you trash your car your insurer will cover your car fully comp though, it just means they'll still have to meet the 3rd party cover liability. It also doesn't mean that they won't seek to recover from you any money they have to pay out in relation to 3rd party liabilities.
I've found it explained in far more detail here. It basically says that unless you have a crash that could be put down to not having to not having an MOT then you should be fine.
It also states that the insurers can't back out of paying any third parties affected by the accident no matter what.
http://www.drivingtesttips.biz/no-mot-invalid-insu...
Also, if you get done by the Bib for having no MOT shouldn't that mean they would do you for no insurance too.
It also states that the insurers can't back out of paying any third parties affected by the accident no matter what.
http://www.drivingtesttips.biz/no-mot-invalid-insu...
Also, if you get done by the Bib for having no MOT shouldn't that mean they would do you for no insurance too.
MysteryLemon said:
If you rang an insurance company telling them that you intend to drive on the road but the car has no MOT. They wouldn't insure you.
If you rang your insurance company saying you intend to drive too close to the car in front, they wouldn't insure you. That doesn't mean your policy is invalidated if you crash into the back of someone!Not having an MOT does not invalidate your insurance. The OP is quite right. If your car is a write off, they may make a lower offer, as the market value of a car with no MOT is lower than one with. That's fair enough.
I know 2 people who have had total loss claims with no MOT (innocently overlooked). One was a theft claim. Both were paid out, one with a 10% reduction, the other a 15% reduction, due to no MOT.
I was trying to add my daughter's old mini to the multi-car policy we have so she could retain her no claims bonus. I made the mistake of saying that it did not have an MOT so there was no risk to them as it wouldn't be going anywhere. The agent said that he wasn't sure they could insure a car without an MOT so checked with the underwriters - they said that they would only insure it if it was MOT'd within 7 days. I pointed out that one of the cars on the policy had not had a test for 3 months without them knowing and no problems for them but they said that a they weren't told they couldn't do anything about it.
Apparently the reason for their stance was that the car might get driven without an MOT and they weren't prepared to take that risk. Pointing out that there was no way that would happen as it would be illegal and the car would not have tax didn't make any difference.
Apparently the reason for their stance was that the car might get driven without an MOT and they weren't prepared to take that risk. Pointing out that there was no way that would happen as it would be illegal and the car would not have tax didn't make any difference.
MysteryLemon said:
Regardless, does it matter what a website says? It is still a legal requirement to have an MOT if you want to drive on the road, regardless if you are insured or not.
No it isn't.If your car is older than 1960 there is no longer any legal requirement to have an MoT.
If your car is newer than 3 years old there has never been any requirement to have an MoT.
There are other categories of motor vehicle that do not need MoTs.
If you are driving to a pre-booked MoT test there is no requirement to have an MoT, or VED for that matter.
If you are returning from a failed MoT test there is no requirement to have an MoT or VED.
If you are taking your MoT failure to have failure points fixed there is no requirement to have an MoT or VED.
None of these situations will invalidate your insurance.
londonbabe said:
MysteryLemon said:
Regardless, does it matter what a website says? It is still a legal requirement to have an MOT if you want to drive on the road, regardless if you are insured or not.
No it isn't.If your car is older than 1960 there is no longer any legal requirement to have an MoT.
If your car is newer than 3 years old there has never been any requirement to have an MoT.
There are other categories of motor vehicle that do not need MoTs.
If you are driving to a pre-booked MoT test there is no requirement to have an MoT, or VED for that matter.
If you are returning from a failed MoT test there is no requirement to have an MoT or VED.
If you are taking your MoT failure to have failure points fixed there is no requirement to have an MoT or VED.
None of these situations will invalidate your insurance.
MysteryLemon said:
If you rang an insurance company telling them that you intend to drive on the road but the car has no MOT. They wouldn't insure you.
If your MOT ran out halfway through the policy and you chose not to renew it, I highly doubt your insurance company would cover you if you had an accident on the road.
Regardless, does it matter what a website says? It is still a legal requirement to have an MOT if you want to drive on the road, regardless if you are insured or not.
OkayIf your MOT ran out halfway through the policy and you chose not to renew it, I highly doubt your insurance company would cover you if you had an accident on the road.
Regardless, does it matter what a website says? It is still a legal requirement to have an MOT if you want to drive on the road, regardless if you are insured or not.
Should i tell me wife to stop driving her car as it does;'t have an MOT and won't for another 2 years
Should i not drive my unimog on the road as it doesn't have an MOT and niether does my lawnmower which is also road registered
And can you give me the name of a good transport company to take my landrover to the nearest MOT station as it has run out
Gassing Station | General Gassing | Top of Page | What's New | My Stuff