Am I insured with no MOT?
Discussion
This morning I had my car (Aston Martin) booked in for an MOT. When I arrived at the garage, they couldn't get the car on the ramp (too low apparently) and so couldn't MOT it.
This being a Saturday, nowhere in the land has a spare MOT slot and so I have booked it in for Wednesday.
My MOT expired today. Is my insurance still valid?
This being a Saturday, nowhere in the land has a spare MOT slot and so I have booked it in for Wednesday.
My MOT expired today. Is my insurance still valid?
Exemptions to 'using a vehicle without a MOT certificate'
(a) driving to a pre-booked MOT examination.
(b) driving away from an MOT examination.
(c) following refusal of a test certificate - driving by prior arrangement to a place where work is to be done to remedy the defects.
(d) following refusal of a test certificate - driving away from a place where work has been done to remedy the defects.
(e) towing the vehicle to a place where it is to be broken up.
See Reg.6(2) of the The Motor Vehicles (Tests) Regulations 1981.
(a) driving to a pre-booked MOT examination.
(b) driving away from an MOT examination.
(c) following refusal of a test certificate - driving by prior arrangement to a place where work is to be done to remedy the defects.
(d) following refusal of a test certificate - driving away from a place where work has been done to remedy the defects.
(e) towing the vehicle to a place where it is to be broken up.
See Reg.6(2) of the The Motor Vehicles (Tests) Regulations 1981.
agtlaw said:
Exemptions to 'using a vehicle without a MOT certificate'
(a) driving to a pre-booked MOT examination.
(b) driving away from an MOT examination.
(c) following refusal of a test certificate - driving by prior arrangement to a place where work is to be done to remedy the defects.
(d) following refusal of a test certificate - driving away from a place where work has been done to remedy the defects.
(e) towing the vehicle to a place where it is to be broken up.
See Reg.6(2) of the The Motor Vehicles (Tests) Regulations 1981.
With e does it have to be towed, or could you also drive it there?(a) driving to a pre-booked MOT examination.
(b) driving away from an MOT examination.
(c) following refusal of a test certificate - driving by prior arrangement to a place where work is to be done to remedy the defects.
(d) following refusal of a test certificate - driving away from a place where work has been done to remedy the defects.
(e) towing the vehicle to a place where it is to be broken up.
See Reg.6(2) of the The Motor Vehicles (Tests) Regulations 1981.
You may want to check your policy.
I was in a similar situation and the insurance company said I was covered, but if I had an accident, then the underwriters may/may not pay up as the car could be considered unroad worthy without an MOT. They would cover any third party losses, but there was a chance that I may not get paid out for any repairs to my vehicle.
In the end I drove it to the MOT station, very carefully.....just as I used to when I only had third party F&F !!
I was in a similar situation and the insurance company said I was covered, but if I had an accident, then the underwriters may/may not pay up as the car could be considered unroad worthy without an MOT. They would cover any third party losses, but there was a chance that I may not get paid out for any repairs to my vehicle.
In the end I drove it to the MOT station, very carefully.....just as I used to when I only had third party F&F !!
miniboy1971 said:
You may want to check your policy.
I was in a similar situation and the insurance company said I was covered, but if I had an accident, then the underwriters may/may not pay up as the car could be considered unroad worthy without an MOT. They would cover any third party losses, but there was a chance that I may not get paid out for any repairs to my vehicle.
In the end I drove it to the MOT station, very carefully.....just as I used to when I only had third party F&F !!
The only time I have had a car without MOT for a prolonged period of time I notified insurers, because I didn't want just that argument.I was in a similar situation and the insurance company said I was covered, but if I had an accident, then the underwriters may/may not pay up as the car could be considered unroad worthy without an MOT. They would cover any third party losses, but there was a chance that I may not get paid out for any repairs to my vehicle.
In the end I drove it to the MOT station, very carefully.....just as I used to when I only had third party F&F !!
It was recorded and I actually got a reduction, based on the fact I couldn't drive it, hence there was no road risk. I then had to tell them when and where it was going for MOT, and I got specific cover for that journey, before it returned to full cover on successful MOT
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