Out of date MOT

Rolandtheroadie

How refreshing that the curtain twitchers havent found this one yet.

jd82

Providing your car was road legal there isn't really an issue apart from it being ilegal.

Driving a death trap with no MOT because you know it won't pass is a completely different matter.

Just be more careful in future, if it was the insurance you will be looking at 6 points, if it was the tax your car could have been towed away.

With the modern information overload it is an easy mistake to make.

mandi

Doesn't driving without a current MOT invalidate insurance ?

KeithP

mandi wrote: »

Doesn't driving without a current MOT invalidate insurance ?

No................

mandi

KeithP wrote: »

No................

Thanks Keith , why does the post office need it before renewing then . I ask the question because I forgot to take mine last time , and they checked online ?

gordikin

mandi wrote: »

Thanks Keith , why does the post office need it before renewing then . I ask the question because I forgot to take mine last time , and they checked online ?

You need a current MOT and insurance to get road fund licence...no MOT does not mean you're not insured

mandi

gordikin wrote: »

You need a current MOT and insurance to get road fund licence...no MOT does not mean your not insured

Thanks Gordkin .

gordikin

mandi wrote: »

Thanks Gordkin .

You're welcome!

cyclonebri1

mandi wrote: »

Doesn't driving without a current MOT invalidate insurance ?

Inspite of what you have been told the correct answer is that driving without an MOT does not automatically mean you are uninsured.

I'm sure it's been pointed out on here before that there are insurance companies that do specify the Ins is invalid without the MOT in place. A check of the fine print needed to verify.

ginnersinner

You must also remember the difference between being criminally uninsured (ie no cover for the purposes of the Road Traffic Act) and unlikely to receive a payout in the event of an accident (civil/contract dispute)

The Road Traffic Act pretty much bars insurance companies from removing their minimum third-party cover obligation under the law for any reason - meaning that having no MOT doesn't mean you'll get a summons for no insurance - but if your T&Cs say you must have an MOT, then if you don't you'll get no payout in the event of an accident.

This is clearly to protect innocent parties from a situation where an insurance company could refuse to pay for that person's damages in cases of non-MOT'd drivers crashing into them where it's not the third party's fault.

So it depends on what you mean by 'invalidate' really.