If your cars mot has run out, is your insurance void?
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Cars need insurance?
Do you have anyone who can come and sit with you? A close friend? Relative?
I have some sad news for you; not only do they need insurance with the MOT, but also (brace yourself, this may hurt) t.a.x.
Deep breaths! Deeeeeeeeep breaths!!!!!!!!
(Someone call a medic!!!!!!! - Outpost is showing signs of heart failure ..... Think it's shock induced .... )0 -
If the ombudsmans ruling states that no MOT does not mean you are not insured, have drivers wrongly been convicted for driving without insurance based on the invalid terms in some insurance policies?.0
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I think you need to sit down.Do you have anyone who can come and sit with you? A close friend? Relative?I have some sad news for you; not only do they need insurance with the MOT, but also (brace yourself, this may hurt) t.a.x.
Must get round to buying a car to go with them...:cool:0 -
See? This is Paul the Dragon.:cool:0 -
If the ombudsmans ruling states that no MOT does not mean you are not insured, have drivers wrongly been convicted for driving without insurance based on the invalid terms in some insurance policies?.
Probably not as the terms may not be invalid or illegal.
Just because the ombudsman has stated that no MOT doesn't mean that your insurance is invalid doesn't mean that an insurer can't have a clause in the policy stating that to have a policy with them your car must have an MOT. (if required.)
Some insurance companies won't insure young drivers if they don't have a "spy box" fitted. Having to have this box isn't a legal requirement, simply an insurance Co requirement, but fail to have one if your policy states you must, and your policy will probably be invalidated.0 -
Norman_Castle wrote: »If the ombudsmans ruling states that no MOT does not mean you are not insured, have drivers wrongly been convicted for driving without insurance based on the invalid terms in some insurance policies?.
I don't know. Does this actually happen? The insurance policy would not automatically become void for no MOT, so third party cover would still exist.
How far do the police go when investigating these instances? Surely it's just a straight ticket (with no points) for no MOT? They don't start looking at the Ts & Cs of each policy, do they?0 -
How far do the police go when investigating these instances? Surely it's just a straight ticket (with no points) for no MOT? They don't start looking at the Ts & Cs of each policy, do they?
Are the police aware of the ombudsmans ruling?, and has the ombudsmans ruling stopped these unfair terms being shown in insurance policies?0 -
shaun_from_Africa wrote: »Probably not as the terms may not be invalid or illegal.
Just because the ombudsman has stated that no MOT doesn't mean that your insurance is invalid doesn't mean that an insurer can't have a clause in the policy stating that to have a policy with them your car must have an MOT. (if required.)
Some insurance companies won't insure young drivers if they don't have a "spy box" fitted. Having to have this box isn't a legal requirement, simply an insurance Co requirement, but fail to have one if your policy states you must, and your policy will probably be invalidated.
But if you take the box off, or exceed the miles, or drive out of time and don't pay, you still have third party liability, whatever it says in the t&c's. The insurer may try to recover it off you later, but they'll still have to pay out.0 -
Norman_Castle wrote: »If an police officer believed your expired MOT invalidated your insurance and contacted your insurance company who then confirmed this belief by stating the T&C, it's unlikely the police officer would then accept a drivers reasoning that the ombudsman has over-ruled this condition. This would result in a driver either being prosecuted for driving uninsured or having to prove their insurance is valid which would not be simple.
Are the police aware of the ombudsmans ruling?, and has the ombudsmans ruling stopped these unfair terms being shown in insurance policies?
but that doesn't mean the insurance is void.0
This discussion has been closed.
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