My friends car had no MOT

MrsTinks

It CAN invalidate the insurance and the police can prosecute you for MOT non-compliance if caught. And no it doesn't always invalidate the insurance but that is down to the individual insurance policies...

Conor_3

MrsTine wrote: »

It CAN invalidate the insurance and the police can prosecute you for MOT non-compliance if caught. And no it doesn't always invalidate the insurance but that is down to the individual insurance policies...

So how do you drive a car without an MOT to a pre-booked MOT test as you are allowed to do by law? You can't drive at all without insurance but you can drive without an MOT for the purposes of going to a pre-booked test. So how would you take a car for an MOT if you're right?

Oh, here's a clue, YOU'RE WRONG.

Lakeuk

Alot of police traffic cars have the licence plate reading camera that link into the dvla, police computer, insurance database, mot database

The old's of getting pulled over for having no MOT are lot higher now

hewhoisnotintheknow

Conor wrote: »

So how do you drive a car without an MOT to a pre-booked MOT test as you are allowed to do by law? You can't drive at all without insurance but you can drive without an MOT for the purposes of going to a pre-booked test. So how would you take a car for an MOT if you're right?

Oh, here's a clue, YOU'RE WRONG.

If you do drive a vehicle without a valid MOT it will usually invalidate your insurance, and if you have an accident or are stopped by the police, you will be liable to face prosecution for MOT non-compliance. The only time you may drive a car without a valid MOT is if you are driving to a pre-arranged test appointment or to a garage that will carry out repairs that are required for your vehicle to pass the MOT test.

i think

zappahey

hewhoisnotintheknow wrote: »

If you do drive a vehicle without a valid MOT it will usually invalidate your insurance,

No it will not. The law makes it close to impossible for the insurers to wriggle out of the third party aspects of the insurance policy, though they may be reluctant to pay out on the comprehensive part if they can prove that an MOT-related fault was a direct cause of the accident.

hewhoisnotintheknow wrote: »

i think

Are you sure?

Keith

hewhoisnotintheknow wrote: »

If you do drive a vehicle without a valid MOT it will usually invalidate your insurance, and if you have an accident or are stopped by the police, you will be liable to face prosecution for MOT non-compliance. The only time you may drive a car without a valid MOT is if you are driving to a pre-arranged test appointment or to a garage that will carry out repairs that are required for your vehicle to pass the MOT test.

i think

When you paid for this years cover, did the terms & conditions of your insurance, which you of course read, contain anything regarding an MOT?

The ones I've read have asked for the car to be roadworthy, after all the MOT only says that at that time on that day the car passed a test, anything could happen after leaving the test center.

If you have an MOT in December and in January your brakes no longer work as they should and you continue driving which leads to an accident, you'd have a bigger problem with your insurance cover than if you are driving along the road with an expired MOT and someone ploughs into you.

hewhoisnotintheknow

zappahey wrote: »

No it will not. The law makes it close to impossible for the insurers to wriggle out of the third party aspects of the insurance policy, though they may be reluctant to pay out on the comprehensive part if they can prove that an MOT-related fault was a direct cause of the accident.



Are you sure?

I said your, not 3rd party

Conor_3

hewhoisnotintheknow wrote: »

If you do drive a vehicle without a valid MOT it will usually invalidate your insurance,

Wrong.

i think

No you don't. Provide me actual proof from the T&C of your insurance or any insurance that invalidates it if there's no MOT. There's the "roadworthy" clause but roadworthiness and the MOT haven't anything to do with each other apart from the hour the car is having its test. The other 8759 hours of the year, the MOT isn't related to roadworthiness and it merely serves to state that at a specific time on a specific day, the vehicle met the MINIMUM standards as set out in the RTA.

BillScarab

hewhoisnotintheknow wrote: »

If you do drive a vehicle without a valid MOT it will usually invalidate your insurance, and if you have an accident or are stopped by the police, you will be liable to face prosecution for MOT non-compliance. The only time you may drive a car without a valid MOT is if you are driving to a pre-arranged test appointment or to a garage that will carry out repairs that are required for your vehicle to pass the MOT test.

i think

Several years ago I ran into the back of somone and had no MOT, the insurance paid up. I was in an old Land Rover and I had compeltely fogotten to renew the MOT and it was a couple of months out of date. I have never seen a policy that states you must have an MOT, just that it must be in a roadworthy condition. So from personal experience I would say your username is accurate!

hewhoisnotintheknow

my insurance states

make sure the Car is roadworthy including that it has, if required, a valid MOT certificate and complies with the Road Traffic Acts (e.g. has legally correct tyres, lights, brakes, windows etc…);