Had accident in car advice on if i will be covered

dacouch

Not the greatest Insurer by a long way.

Here is the relevant part from their policy

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; and
e make sure the vehicle is kept in a roadworthy condition
and, if necessary, has a valid MOT certificate
For example:
• the tyre-tread depth must be within the legal limits;
• all lights and mirrors installed on the vehicle must be
working properly; and
• the vehicle’s brakes (front and back) must be working
correctly.

http://www.quinn-direct.com/documents/policydocs/motor_policy_gb.pdf (Page 19)

Here is the Ombudsman's guidance on "Roadworthiness"

13. roadworthiness

Most motor policies contain an express requirement that the vehicle must be maintained in a roadworthy state. If so, where there is good evidence that the loss or damage was caused (or substantially contributed to) because the vehicle was unroadworthy, we are likely to consider it fair for the insurer to reject the claim.
In other cases, the insurer might reduce the payout on the basis that the vehicle was not in good condition. If so, where there is good evidence that the vehicle would have failed an MOT test, we are likely to consider it fair for the insurer to take this into account in assessing its value.



http://www.financial-ombudsman.org.uk/publications/technical_notes/motor-valuation.html

ginnersinner

See my answer posted here:-

http://forums.moneysavingexpert.com/showthread.html?t=1887019&page=4

ellionic

Thanks for all the replys last night we rang up this morning and because no MOT they will pay for the other persons car but we have to pay for our own to be fixed.

raskazz

ellionic wrote: »

Thanks for all the replys last night we rang up this morning and because no MOT they will pay for the other persons car but we have to pay for our own to be fixed.

Please see my post which I added to this thread http://forums.moneysavingexpert.com/showthread.html?t=1887019