This Six Month MOT Exemption thing...
Discussion
Although this is great news and a practical step forward it does create an issue.
Obviously, our vehicles still need to be roadworthy as per usual.
For many insurance companies and many of us, this will be fine and dandy.
However, some insurance companies specifically require a vehicle to be taxed, insured and MOT'd for the duration of the policy with any failure to comply rendering the policy void.
So what will happen?
Will the insurance companies automatically amend the no MOT rule from Monday, as it's no longer a legal requirement, or could we potentially get into it being a 'Civil Matter' after a claim?
Obviously, our vehicles still need to be roadworthy as per usual.
For many insurance companies and many of us, this will be fine and dandy.
However, some insurance companies specifically require a vehicle to be taxed, insured and MOT'd for the duration of the policy with any failure to comply rendering the policy void.
So what will happen?
Will the insurance companies automatically amend the no MOT rule from Monday, as it's no longer a legal requirement, or could we potentially get into it being a 'Civil Matter' after a claim?
cologne2792 said:
However, some insurance companies specifically require a vehicle to be taxed, insured and MOT'd for the duration of the policy with any failure to comply rendering the policy void.
That was never an enforceable condition anyway. It's just there to scare you into complying. People don't realise how very hard it is for an insurer to void a policy under the rules that govern insurers, even for stuff far more serious than no MOT. Trying to void a policy for no MOT is a complete non starter. V8fan said:
It comes up again and again.
You're legally allowed to drive a car to and from a pre-booked MoT test without MoT or VED, and back home again. This would not be possible if your insurance was 'void.' An unroadworthy car is another matter.
I think they all accept that as an exception to the rule V8 and clearly you, me and most of the folk on here would as well.You're legally allowed to drive a car to and from a pre-booked MoT test without MoT or VED, and back home again. This would not be possible if your insurance was 'void.' An unroadworthy car is another matter.
But I've had some very odd conditions in the past from some potential insurers:
The one that sticks in my mind was a company that not only refused off road cover for my 4wd pickup but told me, in no uncertain terms that If I ever drove it across my own field the insurance would be immediately void.
Quite how they were going to enforce that I don't know
Presumably if stopped in the middle of Bristol, I was to declare to an Officer," It's not insured 'gov because I once drove across a field in Dorset ". They then asked if I wished to proceed with the policy and seemed most incredulous when I descended into hysterical laughter.
I've had a deep-seated distrust of insurance companies ever since and, to be entirely fair, I didn't like them much before either.
I have a car that's been laid up for 3 years. It was driven 15 miles back to my home recently from where it was kept, via a friends garage for a quick inspection prior to being booked in for MOT locally this Friday. However they are now closed. I assume that if I can't MOT it anywhere before the end of the month, it's unusable?
Heaveho said:
I have a car that's been laid up for 3 years. It was driven 15 miles back to my home recently from where it was kept, via a friends garage for a quick inspection prior to being booked in for MOT locally this Friday. However they are now closed. I assume that if I can't MOT it anywhere before the end of the month, it's unusable?
Correct. The new provision extends current MOTs for 6 months, it doesn't allow a car with no MOT to be driven around for 6 months. The next issue is when the lockdown is lifted.
My guess is Boris will say from that date (say June 17th) anyone with an MOT that needed renewal between March 30 and June 17 now still has the 6 months extension, the rest of us are back to normal.
It has been suggested we all will keep the 6 months but the garage lobby will go nuts at the lost business and they are very worried that 18 month MOTs could become the norm (as there were efforts to have the test every two years a while back, fought furiously by the garages).
My guess is Boris will say from that date (say June 17th) anyone with an MOT that needed renewal between March 30 and June 17 now still has the 6 months extension, the rest of us are back to normal.
It has been suggested we all will keep the 6 months but the garage lobby will go nuts at the lost business and they are very worried that 18 month MOTs could become the norm (as there were efforts to have the test every two years a while back, fought furiously by the garages).
V8fan said:
Have you read the measure introduced? It's valid for 12 months.
So any MoT expiring for the rest of the year after Monday gets an extra 6 months. Otherwise, you'll get a massive bottleneck, there are 23 million MoT tests per year.
Ah, that might be handy. One of my cars needs an MOT in August, because it was given a new MOT when I bought it last year - but I prefer the MOT to coincide with the service (December). If I can ignore the MOT until December, that would be great.So any MoT expiring for the rest of the year after Monday gets an extra 6 months. Otherwise, you'll get a massive bottleneck, there are 23 million MoT tests per year.
Heaveho said:
I have a car that's been laid up for 3 years. It was driven 15 miles back to my home recently from where it was kept, via a friends garage for a quick inspection prior to being booked in for MOT locally this Friday. However they are now closed. I assume that if I can't MOT it anywhere before the end of the month, it's unusable?
It was illegal to drive when you drove to your friends garage for a pre MOT check up.
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