MOT expired - insurance and tax still valid?

cyclonebri1

markandkate wrote: »

If you are on the road illegally then your insurance is invalid

Rubbish as already stated:p

derrick

You can actually drive to a pre booked MOT centre/garage without tax or current MOT, but you must have a current insurance policy to do so, therfore the question "does the fact that the MOT has expired mean that the insurance and tax are currently invalid?" is irrelevant, otherwise this scenario could not exist.

robredz

derrick wrote: »

You can actually drive to a pre booked MOT centre/garage without tax or current MOT, but you must have a current insurance policy to do so, therfore the question "does the fact that the MOT has expired mean that the insurance and tax are currently invalid?" is irrelevant, otherwise this scenario could not exist.

So book a definite appointment for MOT, and don't drive the vehicle until you are to go to the testing station, if plod pull you with ANPr, you tell them the vehicle is booked in at **** at Time and you are on the way there, they should let you carry on, but are likely to check to make sure you aren't telling porkies.

markandkate

Sorry I should have given a fuller answer. If you are driving a car with no MOT and crash into someone then your insurance company will pay out the other driver. Whether yo ur insurance company will pay out for your car is a different matter. We had our car stolen and claimed for the car and had to prove it had an MOT before the insurance company would pay out

dacouch

markandkate wrote: »

Sorry I should have given a fuller answer. If you are driving a car with no MOT and crash into someone then your insurance company will pay out the other driver. Whether yo ur insurance company will pay out for your car is a different matter. We had our car stolen and claimed for the car and had to prove it had an MOT before the insurance company would pay out

Not having an MOT does not mean that the Insurers will not pay out, if there is no current MOT it will normally reduce the amount the Insurers pay for a write off as a car without an MOT is worth less than a car with an MOT.

If the car is not road worthy and / or it does not have a current MOT and the damage to the vehicle was caused by or substantially caused by the unroadworthyness then the Insurers can decline the claim assuming they have an express requirement for the car to be road worthy.

There are very few policies that expressly state the car must have a current MOT and even if they do this is often not enforceable.

jd82

My insurance cert clearly states that the car must have an MOT. It also states the car must be road worthy.

This is one reason why it is important to get any advisories fixed as well.

dacouch

jd82 wrote: »

My insurance cert clearly states that the car must have an MOT. It also states the car must be road worthy.

This is one reason why it is important to get any advisories fixed as well.

Your Certificate will not state that the car must be roadworthy and / or have a current MOT. Your Policy booklet may state this but the Certificate won't state this.

Here is the Insurance Ombudsman's rule on imposing the unroadworthyness clause

"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#13