If your cars mot has run out, is your insurance void?

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jim22
jim22 Posts: 1,227 Forumite
in Motoring
I ask because there appears to be conflicting views on it.
«1345

Comments

  • mikey72
    mikey72 Posts: 14,680 Forumite
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    I'll start then.
    No.
  • scheming_gypsy
    scheming_gypsy Posts: 18,410 Forumite
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    i'll agree with Mikey
  • Yorkie1
    Yorkie1 Posts: 11,555 Forumite
    Name Dropper First Post First Anniversary Combo Breaker
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    Me three...
  • jim22
    jim22 Posts: 1,227 Forumite
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    The no's are doing well so far.
  • Mrs_justjohn
    Mrs_justjohn Posts: 1,245 Forumite
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    If you have no MOT then you shouldn't be driving it on the road so if you were and had an accident I am not sure where you would stand. However I can not see why having no MOT would mean you couldn't claim for theft or fire or say vandalism.
  • Mrs_justjohn
    Mrs_justjohn Posts: 1,245 Forumite
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    Although you can of course drive an un-MOT'd car to the garage to get an MOT...LOL So assume you must be insured on that journey/....LOL
  • Outpost
    Outpost Posts: 1,720 Forumite
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    I'll say yes then just for a chuckle. :D
    :cool:
  • jim22
    jim22 Posts: 1,227 Forumite
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    Mrs_justjohn wrote: »
    Although you can of course drive an un-MOT'd car to the garage to get an MOT...LOL So assume you must be insured on that journey/....LOL

    Yes, I've never understood that bit.
  • wealdroam
    wealdroam Posts: 19,181 Forumite
    First Anniversary Name Dropper First Post Combo Breaker
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    When this question has been asked before, some people have told us that some policies do state that the insurance is invalid if there isn't a valid MOT.

    OP, why not check your policy for an exclusion clause?
  • jim22
    jim22 Posts: 1,227 Forumite
    edited 30 June 2011 at 9:18PM
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    wealdroam wrote: »
    When this question has been asked before, some people have told us that some policies do state that the insurance is invalid if there isn't a valid MOT.

    OP, why not check your policy for an exclusion clause?

    ok I'll try and find it. I'm with churchill. I have read it before and the term 'roadworthy' has sprang out. As I understand them MOT certificates do not mean that you car is roadworthy.
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