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    • TheEnergyThread
    • By TheEnergyThread 8th Sep 17, 10:56 PM
    • 23Posts
    • 10Thanks
    TheEnergyThread
    Question about insurance
    • #1
    • 8th Sep 17, 10:56 PM
    Question about insurance 8th Sep 17 at 10:56 PM
    I am currently deciding what to do, I have a car thatís MOT runs out in January & my insurance runs out in February. Now I want to know if I can continue to pay insurance for that month but not drive the car due to no MOT until my insurance runs out then sell the car without MOT. Could I do this or would my insurance go VOID the moment I have no MOT?
Page 1
    • Quentin
    • By Quentin 8th Sep 17, 10:59 PM
    • 33,243 Posts
    • 17,186 Thanks
    Quentin
    • #2
    • 8th Sep 17, 10:59 PM
    • #2
    • 8th Sep 17, 10:59 PM
    No

    Having no mot won't void your insurance.

    Some unscrupulous insurers put this in the policy however it is unenforceable. The FOS have ruled so.
    • George Michael
    • By George Michael 8th Sep 17, 11:59 PM
    • 2,885 Posts
    • 3,902 Thanks
    George Michael
    • #3
    • 8th Sep 17, 11:59 PM
    • #3
    • 8th Sep 17, 11:59 PM
    Unless it's going to be hugely expensive compared to get am MOT compared to the value of the car, it would make sense to get it done or to sell it a month or two earlier than planned whilst the MOT is still valid.
    • jack_pott
    • By jack_pott 9th Sep 17, 12:18 AM
    • 4,259 Posts
    • 5,471 Thanks
    jack_pott
    • #4
    • 9th Sep 17, 12:18 AM
    • #4
    • 9th Sep 17, 12:18 AM
    When I tried to insure my car whilst it was SORNed, with no tax & no MOT, they refused, saying that there was "no insurable interest".
    • TheEnergyThread
    • By TheEnergyThread 9th Sep 17, 8:06 AM
    • 23 Posts
    • 10 Thanks
    TheEnergyThread
    • #5
    • 9th Sep 17, 8:06 AM
    • #5
    • 9th Sep 17, 8:06 AM
    Even though my car will have no MOT it will still have tax, which I would still keep parked on the street, I’m fully comp so protected against theft etc so surely there is still a insurance interest?
    • Warwick Hunt
    • By Warwick Hunt 9th Sep 17, 8:24 AM
    • 588 Posts
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    Warwick Hunt
    • #6
    • 9th Sep 17, 8:24 AM
    • #6
    • 9th Sep 17, 8:24 AM
    You need an mot to keep it on the road.
    • BeenThroughItAll
    • By BeenThroughItAll 9th Sep 17, 8:32 AM
    • 4,589 Posts
    • 3,993 Thanks
    BeenThroughItAll
    • #7
    • 9th Sep 17, 8:32 AM
    • #7
    • 9th Sep 17, 8:32 AM
    And if it's taxed then it must be insured
    • glentoran99
    • By glentoran99 9th Sep 17, 8:34 AM
    • 4,822 Posts
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    glentoran99
    • #8
    • 9th Sep 17, 8:34 AM
    • #8
    • 9th Sep 17, 8:34 AM
    When I tried to insure my car whilst it was SORNed, with no tax & no MOT, they refused, saying that there was "no insurable interest".
    Originally posted by jack_pott


    That's very strange because to get tax you need to have it MOT'd and insured


    So how can you be refused insurance without tax when you need insurance to get it?
    Last edited by glentoran99; 09-09-2017 at 8:36 AM.
    • glentoran99
    • By glentoran99 9th Sep 17, 8:35 AM
    • 4,822 Posts
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    glentoran99
    • #9
    • 9th Sep 17, 8:35 AM
    • #9
    • 9th Sep 17, 8:35 AM
    You need an mot to keep it on the road.
    Originally posted by Warwick Hunt


    Not true, you need an MOT to drive it
    • glentoran99
    • By glentoran99 9th Sep 17, 8:35 AM
    • 4,822 Posts
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    glentoran99
    I am currently deciding what to do, I have a car thatís MOT runs out in January & my insurance runs out in February. Now I want to know if I can continue to pay insurance for that month but not drive the car due to no MOT until my insurance runs out then sell the car without MOT. Could I do this or would my insurance go VOID the moment I have no MOT?
    Originally posted by TheEnergyThread
    In short


    Ignore the nonsense, You can do what you suggest
    • BeenThroughItAll
    • By BeenThroughItAll 9th Sep 17, 8:41 AM
    • 4,589 Posts
    • 3,993 Thanks
    BeenThroughItAll
    In short


    Ignore the nonsense, You can do what you suggest
    Originally posted by glentoran99
    No, he cannot.

    If the car does not have a valid MOT it is an offence to use or keep it on the public highway.
    • glentoran99
    • By glentoran99 9th Sep 17, 8:42 AM
    • 4,822 Posts
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    glentoran99
    No, he cannot.

    If the car does not have a valid MOT it is an offence to use or keep it on the public highway.
    Originally posted by BeenThroughItAll


    Could you quote the legislation for me?


    Its an offense to drive without MOT, not to keep it on the road


    "You can’t drive your vehicle on the road if the MOT has run out. You can be prosecuted if caught."


    There is nothing about keeping it on the road, the law states, using and driving
    Last edited by glentoran99; 09-09-2017 at 8:48 AM.
    • Warwick Hunt
    • By Warwick Hunt 9th Sep 17, 8:46 AM
    • 588 Posts
    • 301 Thanks
    Warwick Hunt
    Could you quote the legislation for me?


    Its an offense to drive without MOT, not to keep it on the road
    Originally posted by glentoran99
    Section 47 Road Traffic Act say use not drive.
    • glentoran99
    • By glentoran99 9th Sep 17, 8:53 AM
    • 4,822 Posts
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    glentoran99
    Section 47 Road Traffic Act say use not drive.
    Originally posted by Warwick Hunt


    yes, you have confirmed that it says use parked on a road isn't using
    • Warwick Hunt
    • By Warwick Hunt 9th Sep 17, 8:54 AM
    • 588 Posts
    • 301 Thanks
    Warwick Hunt
    Could you quote the legislation for me?


    Its an offense to drive without MOT, not to keep it on the road


    "You canít drive your vehicle on the road if the MOT has run out. You can be prosecuted if caught."


    There is nothing about keeping it on the road, the law states, using and driving
    Originally posted by glentoran99
    Show us where it states driving.
    • Warwick Hunt
    • By Warwick Hunt 9th Sep 17, 8:54 AM
    • 588 Posts
    • 301 Thanks
    Warwick Hunt
    yes, you have confirmed that it says use parked on a road isn't using
    Originally posted by glentoran99
    Are you sure?
    • glentoran99
    • By glentoran99 9th Sep 17, 8:55 AM
    • 4,822 Posts
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    glentoran99
    Show us where it states driving.
    Originally posted by Warwick Hunt
    https://www.gov.uk/getting-an-mot
    • glentoran99
    • By glentoran99 9th Sep 17, 8:56 AM
    • 4,822 Posts
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    glentoran99
    Are you sure?
    Originally posted by Warwick Hunt


    im as sure as what the DVLA told me when I asked the question
    • Warwick Hunt
    • By Warwick Hunt 9th Sep 17, 8:57 AM
    • 588 Posts
    • 301 Thanks
    Warwick Hunt
    Section 47 RTA doesn't state driving and that's the legislation that covers it.
    • glentoran99
    • By glentoran99 9th Sep 17, 8:58 AM
    • 4,822 Posts
    • 3,824 Thanks
    glentoran99
    Section 47 RTA doesn't state driving and that's the legislation that covers it.
    Originally posted by Warwick Hunt


    Yes it states using, A car isn't being used if it is sitting idle on a road
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