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Insurance after MOT failure
lisyloo
Posts: 30,094 Forumite
My car has just failed it's MOT (old MOT is valid until 10th May).
As far as insurance is concerned
1) Can I drive it home?
2) If I get an appointment at a garage (currently trying) can I drive it there?
The issue is not a safety concern as it's to do with the rear seatbelt and I won't be carrying any pasengers.
Or do I need to check my insurance policy?
Thanks
As far as insurance is concerned
1) Can I drive it home?
2) If I get an appointment at a garage (currently trying) can I drive it there?
The issue is not a safety concern as it's to do with the rear seatbelt and I won't be carrying any pasengers.
Or do I need to check my insurance policy?
Thanks
0
Comments
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You can drive it anywhere you want as it still has a full valid MOT.
You did the correct thing in booking it in early so you can now shop around for the best price for fixing it.
After 10th May you can only drive it to a pre-arranged MOT appointment.I beep for Robins - Beep Beep
& Choo Choo for trains!!0 -
Thanks Ben.0
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i think you need to be careful here as there is some confusion
quoted from a car forum
"If you have an MOT certificate that is to expire say, in one week's time, and your vehicle is tested and fails, under the new system the failure is registered, and the vehicle is no longer covered by a valid test certificate. The vehicle is therefore not 'road legal' unless the necessary rapirs are placed in hand, and the vehicle is retested. It may be 'safe' to drive, or it may not (because no certificate is a guarantee of roadworthiness)."
so in effect, the new MOT failure notice does not replace your current MOT ceritificate - although if asked you should have bookings/appointments in place for fixing/retesting...... not sure how they would test thatsmile --- it makes people wonder what you are up to....
:cool:0 -
There are two issues:
1) Is the "old" MOT certificate still legal? Yes
2) Is the car roadworthy? No. Just as it would be (unroadworthy) if it passed its MOT yesterday, and today the headlight bulb blew.0 -
Interested in this as my MOT is due soon.
So I went to the VOSA web site here:
http://www.vosa.gov.uk/vosacorp/index.htm
Loads of info and publications but not a word on insurance that i could see - but the following item is about how the MOT Cert itself is no longer regarded as "evidence of validity" - the only valid evidence is via the central database run by VOSA details here - including how you can check the position - important if you are buying a car for instance and you can no longer rely on the Cert.
http://www.vosa.gov.uk/vosacorp/repository/MOT%20Computerisation%20-%20Information%20for%20Motorists.pdf
"Its all in the database" ... and big brother is alive, well, and watching. :eek:If many little people, in many little places, do many little things,
they can change the face of the world.
- African proverb -0 -
Is the car roadworthy? No.
So what's the implication of that?
Does that mean it's not insured?
Sorry for not checking myself but I've been collecting the car and trying to find somewhere to book it in, so haven't had a chance to check insurance yet.0 -
Most policies will only require that you take all reasonable steps to maintain your car in a roadworthy condition.
A car could have a valid MOT but at a particular point in time be unroadworthy; or indeed could have no MOT but be roadworthy.
Even if the policy had a term requiring a valid MOT, under FSA rules and the UTCCR, an insurer could only repudiate a claim on grounds of breach of a warranty or condition if the circumstances of the claim were related to the breach. So if you had a claim, they could only reject it if the unroadworthiness contributed to the incident in some way. The lack of MOT could, however, affect the value of a total loss settlement.0 -
Thanks a lot raskazz as that clarifies things a great deal.
FWIW - the problem is a hole in the rear wheel arch close to the seat belt anchorage.
I will not be taking any passengers and I'm driving straight to a gargage tonight where I have it booked in.
The car is regularly serviced/MOT'd etc.The lack of MOT could, however, affect the value of a total loss settlement.
It's an 18 year old car so I don't think this is a huge issue for me.0 -
It's hard to envisage this actually causing or contributing to an incident so I can't see any problems as long as you're not taking any passengers.
That is far from the point.
Roadworthyness and a valid MOT cert are two different things but very closely related.
You could be in possesion of a valid MOT but your car could be unroadworthy, say bald tires or no brakes etc. In the eyes of the law you could be pulled and charged with having an un roadworthy car on the road.
Once your car fails an MOT it is to all inetnts and purposes unroadworthy and your existing certificate fails to cover you, and also your insurance would become invalid.
However there are certain times when you can drive a car on the road without a valid MOT certificate and they are the things like taking it to a pre- arranged MOT test or taking it for repairs after a test failure and then taking it for subsequent re-testing.0
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