quick mot / insurance q.

[guru_1071]

having a argument with the lad i work with

q) if a car doesnt have an mot is the insurance still valid?

i say yes, he says no.

loser makes afternoon teas..........

[^Slider^]

Insurance is still valid,
The company may reduce to third party risks only or they may devalue your vehicle on the basis of no MOT.

Edited by ^Slider^ on Thursday 5th October 16:10

[guru_1071]

mines a big cuppa!!!

cheers!

[tigger1]

If it's being driven on the road then it might not be...a car can be insured when its in bits and would certainly not pass (or necessarily have) an MOT.

[^Slider^]

No, it will be insured but that cover may be reduced to third party risks only. Thus if you crash they will still pay out for the other person but may well refuse to pay for your vehicle.

[vonhosen]

Indeed.

If the insurance company have accepted your for cover, they have to cover you for 3rd party liabilities (which is all you are required to have in law). The sort of thing they wouldn't be obliged to cover you for would be where they don't offer cover for the activity you were doing whatever the circumstances.

i.e. If you were driving a mini cab, hadn't informed them & they didn't offer any mini cab policies anyway. Because they never offered mini cab policies to anyone at all, they wouldn't have to cover you for any risk at all in those circumstances.

[Dwight VanDriver]

......... If you were driving a mini cab, hadn't informed them & they didn't offer any mini cab policies anyway. Because they never offered mini cab policies to anyone at all, they wouldn't have to cover you for any risk at all in those circumstances....

Durrant v Maclaren [1956] depending on what was stated on the proposal form?

dvd

[mds automotive]

im sure it states in the insurance smallprint that the vehicle covered must be in a roadworthy condition i.e. have a valid mot
however the rta states a car can only be driven on the road without an mot if the vehicle is bieng driven to or fro a pre booked mot station by means of the shortest route without unneccessary stopping or deviation from that route .
remember ins cos are always looking for ways to get out of a payout