will my car insurance be valid if the car is a write-off but the MOT has expired?

Question

the police did turn up at the incident and gave me a £60 fine for no MOT. easy mistake to make forgettin about MOT...isn't it? it was due last month. the police even said they wouldn't be mentioning that I had no MOT. I asked them about insurance and they said it just depends on how much i choose to tell them. If any1 has been in simililar situation would be helpful if they could let me know the outcome. thanks

Answer 1

Not having a valid MOT certificate (if required) is an offence. However, the lack of a valid MOT does not invalidate your insurance. Nor does not having a tax disc. This is a common misconception.

In British Law, the only driving offence that nullifies motor insurance is if the driver is disqualified from driving.

This is borne out by the fact that, there are numerous prosecutions for the lack of a valid MOT where the more serious offence of having no insurance would apply if the misconception were true.

Insurers cannot prejudice a policyholder for not having a valid MOT certificate, nor for not having a valid tax disc on their vehicle, at the time of an accident.

In the event of a claim they can make a deduction, but not if you can prove there was an oversight on your behalf, or that the vehicle was serviced regularly and would have passed an MOT.

I actually had my car stolen from my driveway and due to an oversight on my behalf my m.o.t. had run out by 6 weeks. I told the insurance company the truth. I got a letter from my local garage who serviced my car, stating that my car was in good repair and in their opinion would attract a high price if it were to be put on their forecourt for sale. I also had photographs to prove my car was in good order. The insurance company paid me a fair price.

Answer 2

Police could desire to ask to analyze the vehicle. If it has no faults that could have brought about the twist of destiny then he may be responsible for employing the vehicle and not employing a valid MOt which will value them 3 factors, however the coverage won't be able to declare the motor vehicle grew to become into no longer roadworthy simply by fact the MOT certificates grew to become into no longer valid. despite if that's deemed risk-free by the police then the coverage is valid. A motor vehicle can fail an MOT as quickly because it leaves the MOT try centre, as long because it passes on that one million 2d this is criminal. If the police try centre analyze it and say the lack of ability of an MOT had no contribution to the twist of destiny this is nevertheless lined.

Answer 3

Think you'll find, especially if you read the policy carefully, that the insurance is valid providing that you hold a licence and you're not disqualified.No MOT or tax doesn't automatically void the insurance.However, what a perfect cop-out for the insurance company to say bugger off, you're not getting a penny.If you try to claim, they'll want all the paperwork sent and then see it's not MOT'd so they won't not find out.All in all, tough.You've lost your car and its payout.

Answer 4

No No NO ...the car is deemed unsafe if the MOT is not valid and the insurance company may imply this in someway contributed to the write off/accident.

You shouldt drive a car that has no MOT and your lucky the police havent shown an interest....

Answer 5

When your company find out there was no valid MOT they will attempt to deny liability. You can challenge this provided the accident was not caused by something the MOT would have picked up. Best of luck

Answer 6

The lack of an MOT does not normally invalidate an insurance policy - but you should check policy wordings.

The insurance company may try and offer you a lower price so I suggest you look for adverts and/ or Parker's guide to ensure that the offer is fair. (If you do complain about the offer make sure you use the words 'I don't think you are treating me fairly because you are using the lack of an MOT as an excuse to make a lower offer'. - Insurers HATE people who use the words 'treat me fairly' as they know they are deailing with people who knowledgeable about their rights.

Answer 7

If the accident happened whilst the vehicle did have a current MOT ie till the next day or even last day of validaty, and has expired now you are claiming there should be no problem.
If it has expired before the accident, sorry but you are not covered. I have had a motorcycle written off and they want all the current paperwork including tax discs or at least proof of taxation. J

Answer 8

If the write-off was caused by an accident, and you did not have a valid MoT certificate at the time of the accident, then the insurance company could claim that your car was on the road illegally. In that case, your insurers might not pay up.

Answer 9

Probably not. The insurance company will almost certainly require that the car is 'road legal' meaning it should have road Tax and MoT up to date.

You can try claiming, but I doubt it will be covered.

Answer 10

this sounds like a good time for you to keep quite , you dont want to involve an insurance company in this

you could end up in jail if you try and claim insurance on a car without an mot

or is this a hypothetical question ???

all the best
Ian