no MOT car is write off, 1st central not paying

cyclonebri1

Hammyman wrote: »

Actually, you can. I was 20 years ago in Magistrates Court.

I'll cover your 20 and raise you 20.

I was nicked 40 years ago and fined twice on the same day, reported on a scrambler by a friendly neighbour:T, about £5 a time I think.

Maybe it's not policed the same now?

Quentin

dacouch wrote: »

It tend to be the cheap and not cheerful Insurers eg 1st Central and Quinn etc who put the MOT requirement in.

One major player I know of (aviva) put this condition in their RAC branded policies.

george-s2

rang up 1st central today, and after telling them that i know my rights, they went quiet and said they will give a call back today. let see how it goes...

dacouch

george-s2 wrote: »

rang up 1st central today, and after telling them that i know my rights, they went quiet and said they will give a call back today. let see how it goes...

Well done for getting 1st Central to answer the phone, as most of the posters on the MSE complaint threads about 1st Central mention it is very difficult to get through. They also report that 1st Central don't bother ringing back or replying to emails, so you will need to keep on their case.

A good tip is to ask the person's name at the start of the call and then use it as much as possible in the call. At the end of the call summarise want you expect them to do and what they have agreed to do and within what timescale. Also remind them that you have noted their name and the time of the call. If you do this Insurance staff are far far more likely to do what they have agreed and actually call back

sassy_one

Would like to add, Failing to have a valid MOT is a Criminal Offence under the Road Traffic Act and also failing to have a valid MOT at the time of a accident/insurance claim will make the policy VOID = NO pay out

vaio

can we have a "bol1ocks" button next to the "thanks" one please?

dacouch

sassy-one wrote: »

Would like to add, Failing to have a valid MOT is a Criminal Offence under the Road Traffic Act and also failing to have a valid MOT at the time of a accident/insurance claim will make the policy VOID = NO pay out

You have been miss informed as not having an MOT does not invalidate insurance

raskazz

sassy-one wrote: »

failing to have a valid MOT at the time of a accident/insurance claim will make the policy VOID = NO pay out

You might want to read the thread before replying in future. It has been explained that this is not correct.

sassy_one

cyclonebri1 wrote: »

I'll cover your 20 and raise you 20.

I was nicked 40 years ago and fined twice on the same day, reported on a scrambler by a friendly neighbour:T, about £5 a time I think.

Maybe it's not policed the same now?

No it is not Policed as you were once dealt with.

Most Police cars are now fitted with cameras (ANPR) which reads details of your car from a huge database connected to DVLA/MID/Police National Computer/VOSA
Many areas now also have stings where they park a ANPR camera van up on the side of a busy main road which scans thousands of numbers plates an hour

If a ANPR or Police do a manual check on you and find you don't have a current valid MOT, they will impound and seize your car at the side of the road, no exemptions - there is no document they use to give out for you to pay a fine, take your documents to a Police station, your car will be seized under the Road Traffic Act
Not only will they do that, depending on the circumstances you will also be reported to the Crown Prosecution Service for consideration of prosecution for the office of driving a car on a public road without a valid MOT, or in some cases you will just be reported for summons to the local court, which can lead to up to 6 points and a fine.

Unlike many people think and say, it is a CRIMINAL OFFENCE to use a car on a public road knowingly without a valid MOT, I say knowingly as this applies if you test drive a second hand car and can't prove that you didn't know there was any valid MOT

Failing to have a valid MOT at the time of an accident/insurance claim will make the policy void, the insurers can and will ask for the MOT, specially if a car is written off.

All this was brought in a number of years ago, to stop under insured and illegal cars being on the road

sassy_one

dacouch wrote: »

You have been miss informed as not having an MOT does not invalidate insurance

I stand to be corrected but I think you will find I am right, read the small print of your policy, also found in the Terms and Conditions.

It will state somewhere in small print that at the time of a claim the car must have a valid MOT IF on a public road