2007-01-14 22:32:46 · 18 answers · asked by scotratrescue 1 in Cars & Transportation ➔ Insurance & Registration
We have a car that is off the road due to no legal driver(havent passed test), the mot is up in february. I know you can drive to the mot test centre without tax or mot, but if we leave the insurance till we have passed test, would we be able to get insurance on what will become an unroadworth car. It is under sorn and still mot'd do we insure it now or wait till test is passed and try getting insurance then, would they insure the car.
2007-01-14 23:04:12 · update #1
Keeping the insurance running is a good idea, firstly it builds up your no claims bonus and covers it should it be stolen. Yes insurance can be run if it has no MOT.
You can also take it out on the road quite legally provided your taking it directly to a prebooked MOT test.
2007-01-15 06:18:06 · answer #1 · answered by Mark B 5 · 0⤊ 0⤋
The insurance company will not ask you about whether you have an mot however if you drive without a valid mot your insurance will be null and void because the terms of insuring your car say that you must have a valid mot certificate.
And whoever said that you would be covered because otehrwise how would be able to drive to get your car mot'd- you're supposed to re-mot your car before the previous one runs out!
2007-01-14 22:43:43 · answer #2 · answered by honey 1 · 2⤊ 0⤋
Though you may not have to declare that the vehicle has an MOT in order to purchase insurance, it is highly likely that the conditions of the policy will be that you must have one if the car needs one because of its age. If you don't the policy would be invalid.
Also, bear in mind it is ILLEGAL to drive a car on the road without a current MOT and you would need to produce a valid MOT and an insurance certificate to get a tax disc which is also mandatory for cars driven on the road.
2007-01-14 22:40:12 · answer #3 · answered by MPatrinos 3 · 0⤊ 0⤋
You need to read the fine print in the insurers' bumph. It usually requires that the car is roadworthy, and that doesn't necessarily mean possessing an MOT, though some will insist on this.
You can indeed drive the car to the testing centre for a pre-arranged test, and it must be insured for third-party risks while you do this. If you cannot get cover, it must be trailered to the centre.
2007-01-15 01:54:55 · answer #4 · answered by champer 7 · 1⤊ 0⤋
Yes, you can, but the conditions would be coverage for an accident on the way to or back from a MOT center, and if say it was damaged or stolen while it's off the road, ie your garage or drive way.
That would be the only time they would pay out, but if it's off the road do inform the insurers as the premium would be cheaper than a fully road legal motor.
2007-01-14 22:58:33 · answer #5 · answered by d_andrews78 2 · 0⤊ 0⤋
Yes you can get insurance (for the fire/theft side) but you will not be able to drive it on the road (as one of the declarations you sign says that "if the car is to be taken onto public roads - then it must be of a road worthy condition".
In the UK - one of the conditions for a road worthy condition is a valid MOT certificate.
If you where to get pulled over by the police or had an accident - you would be in serious trouble.
2007-01-14 22:56:35 · answer #6 · answered by jamiehall34 2 · 1⤊ 0⤋
Yes, because how else would you be able to drive your car to the MOT station? You can either have it covered under a full insurance policy, or arrange temporary cover to drive it there.
You will need a valid MOT and insurance to tax the car.
2007-01-14 22:38:09 · answer #7 · answered by AndyG45 4 · 0⤊ 0⤋
yes you can get insurance on a car without an MOT and even if it is untaxed, you would want it anyway to cover against theft and fire, then as soon as it has passed an MOT it is road legal, in fact it needs to be insured to take it to the MOT station as you ARE allowed to drive your car to and from an MOT station even if the certificate is out of date
2007-01-14 23:23:25 · answer #8 · answered by mike-from-spain 6 · 1⤊ 0⤋
yes, but you will need to have both mot and insurance to get tax! otherwise it wont be legal, and im sure unless your actually driving to the mot center your insurance wouldnt be valid anyway, because there could be a fault with the car, and that could cause you to crash into someone
2007-01-14 22:44:51 · answer #9 · answered by button moon 5 · 0⤊ 0⤋
In the United Kingdom you can insure a vehicle without MOT however if you then drive the vehicle without the other necessary requirements (MOT and road fund) then the insurance would be voided and you could find yourself with a conviction on your licence for driving without insurance.
2007-01-14 22:43:15 · answer #10 · answered by The Dragon 2 · 2⤊ 0⤋