We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Help please
sho_me_da_money
Posts: 1,679 Forumite
As some of you may already know, I had an accident the other day where I was parked on the 6th floor in a secure work car park (directly in front of the ramp). I left the handbrake off and the car rolled backwards, down the ramp and smacked into a pillar on the 5th floor.
The garage has just confirmed the costs to repair will outweigh the price of the vehicle and therefore have established it a write-off.
After checking my documentation recently, I saw my MOT expired in November 2009.
Here is the clause in the policy about MOT under general exceptions:
Duty of care
12 You or any insured person must:
a) take all reasonable steps to prevent accidents, injuries,loss or damage;
b) protect the vehicle against loss or damage;
c) give us access, at any reasonable time, to examine the vehicle;
d) not leave the vehicle unlocked while unattended or leave the keys to the ignition with the vehicle while unattended;
e) make sure the vehicle is kept in a roadworthy condition and, if necessary, has a valid MOT certificate.
Some other facts
1. I had a full service done in December 2009 - Oil, Filters, Brake Pads, Brake Disks, Spark Plugs, 4 brand new Grade A tyres.
2. Since purchasing the motor off the original owner (1 year ago), I have done 10,000 miles
3. The car is taxed until June 2010
4. The insurance expires in May 2010
I believe the handbrake IS one of the things checked in an MOT but since the damage occurred to the rear bumper end side only, an inspection could be done on the HB in it's present condition to see if it was dodgy or not IF they try to alledge it was.
Please please please. I am crap scared worried.
The garage has just confirmed the costs to repair will outweigh the price of the vehicle and therefore have established it a write-off.
After checking my documentation recently, I saw my MOT expired in November 2009.
Here is the clause in the policy about MOT under general exceptions:
Duty of care
12 You or any insured person must:
a) take all reasonable steps to prevent accidents, injuries,loss or damage;
b) protect the vehicle against loss or damage;
c) give us access, at any reasonable time, to examine the vehicle;
d) not leave the vehicle unlocked while unattended or leave the keys to the ignition with the vehicle while unattended;
e) make sure the vehicle is kept in a roadworthy condition and, if necessary, has a valid MOT certificate.
Some other facts
1. I had a full service done in December 2009 - Oil, Filters, Brake Pads, Brake Disks, Spark Plugs, 4 brand new Grade A tyres.
2. Since purchasing the motor off the original owner (1 year ago), I have done 10,000 miles
3. The car is taxed until June 2010
4. The insurance expires in May 2010
- Will my the insurers refuse me a payout? - Is this Game Over?
- Will the insurance company DEFINIATELY ask for the MOT cert?
- If they do, what should I say - I forgot? This is the first car I have owned and thought the MOT needed to be done when renewing my tax?
I believe the handbrake IS one of the things checked in an MOT but since the damage occurred to the rear bumper end side only, an inspection could be done on the HB in it's present condition to see if it was dodgy or not IF they try to alledge it was.
Please please please. I am crap scared worried.
0
Comments
-
Im sure they will still payout, however it will be less than what it would of been with an mot. They can do a check anyway to see if its mot'd and when it expires.0
-
I hope for you they do the honourable thing and pay out.
However insurance companies love to take your money from you, and absolutely hate to pay you any of it back should it be required, this may be the loophole required for them to say no
£4142.49/ £131,795.91 - 3.14% paid off or only £129,608.80 to go!
Debt free by Xmas 2015: #182 £1955.38/£4435.51 (44.08%)
MFW: Opening Balance: £108,297.91 Original MF Date: June 2042
Current Balance: £106600.27 Estimated MF Date: Dec 2033
Proud to be dealing with my debts0 -
I think thats why theres so meny terms to insurance, so when they do have to pay out theres meny reasons there that they can look into to avoid giving you what you should get. So mot is one reason for them to offer you a lesser amount.0
-
How many threads are you going to have on your accident and the fall-out from it?"You were only supposed to blow the bl**dy doors off!!"0
-
Do you think they will DEFINATELY pay something? OR is it a guaranteed zero?
If they do pay something, how much are they likely to snip off due to the lack of a current cert?
They haven't asked me anything yet. If they don't ask I wont send, but if they do ask, what should I say? Will the truth fly - didnt know it was due until I checked the document and thought it had to be done upon tax renewal?0 -
they will most probably still pay especially as the car wasnt on public highway so didnt need an MOT0
-
maninthestreet wrote: »How many threads are you going to have on your accident and the fall-out from it?
Well I only just found out and am worried. SORRY for raising another thread.0 -
I think you should refer to the information dacouch gave you in your other thread. The insurance company will ask for the MOT but as long as the crash wasn't a result of the car being unroadworthy they should still pay out - if they dont you could always take your case to the ombudsman.
They will probably take the lack of MOT into account when valuing your car so expect to get a bit less because of this.0 -
sho_me_da_money wrote: »Do you think they will DEFINATELY pay something? OR is it a guaranteed zero?
If they do pay something, how much are they likely to snip off due to the lack of a current cert?
They haven't asked me anything yet. If they don't ask I wont send, but if they do ask, what should I say? Will the truth fly - didnt know it was due until I checked the document and thought it had to be done upon tax renewal?
Insurance companies have access to the DVLA database, and by inputting your reg number they will imediately know if it has an MOT.
You may have had some chance if the certificate had just expired, but 4 Months out of date is pushing it.
Depending on the value of the car, they may send an assesor out to determine its condition to arrive at a payout figure.Without a current MOT it only has scrap value, and even then the insurance company would be within their rights to refuse to pay out. At best you will only get £10 or so.
Look on the bright side, had the police or an ANPR camera found you on the public highway, you would now be facing a fine and points on your licence.0 -
Without a current MOT it only has scrap value, and even then the insurance company would be within their rights to refuse to pay out. At best you will only get £10 or so.
Wrong wrong and wrong. Dont listen to this rubbish - I dont know why people bother posting this sort of cr a p.
Also on the subject of no MOT this only carries a penalty of a fine - no points involved. Clearly you have no idea what you're talking about.0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351.7K Banking & Borrowing
- 253.4K Reduce Debt & Boost Income
- 454K Spending & Discounts
- 244.7K Work, Benefits & Business
- 600.1K Mortgages, Homes & Bills
- 177.3K Life & Family
- 258.3K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards