School boy error - no mot

candy656

Hi
had a small accident today which resulted in me hitting a driver up the back. we were on a country lane and there was a police car with flashing light, stationary at a junction to my right (opposite side of the road) the car in front braked hard and resulted in me hitting them. when talking to the police they werent actually attending an incident (just left one) therefore there light shoudnt have been on.
They did all the necessary checks and brethalised us both which was all fine - they then told me i had no MOT since sept. I'm devastated. i only had the car serviced last week and keep all my documents (my car is always repaired, insured and taxed.) It is a genuine error on my part and yes i know it is an offensive. I have a 7 day producer. i just really worried - as never been in an accident before.

Can anyone give me any advise please. i'm really worried.

thanks
Nicola

Quentin

This won't be too bad for you - you committed an offence, and will probably get a FPN for that (no points), assuming that is the only thing they are doing you for.

Regarding your accident, you need to inform your insurer. If you have comp insurance you will get your repairs done and only have to pay your excess. You won't get any NCD this year (and if your NCD isn't protected you will lose 2 years off what you currently have).

If you have third party insurance then you will have to pay for repairs to your own car, but the other party's car repair and any other claim (eg injury/hire car etc) will be paid by your insurer and you will have no excess to pay.

candy656

thanks - i'm more annoyed that the police had the lights on and werent actually responding to an incident and after witnessing my bump they gave me a 7 day producer. AND let me drive the car a short distance home..

vaio

Some police have a sort of clairvouant sixth sense for incidents and they often turn their lights on in advance on the accident in the vain hope that the dozy driver heading for an accident will start paying attention and avoid the accident.

Sadly it doesn’t always work

Quentin

Don't drive it again till you get it MOT'd! (Which may not be possible till it's repaired??)

candy656

this appears to be such a grey area? so will it invalidate my insurance???

12bdebt3

candy656 wrote: »

this appears to be such a grey area? so will it invalidate my insurance???

You will lose your NCB if you make a claim obviously. If it's classed as an 'offense' then your insurance will go up when you try to get a quote...

vaio

candy656 wrote: »

this appears to be such a grey area? so will it invalidate my insurance???

Not grey at all, insurance, MOT and tax are independent and lack of one doesn’t affect validity of any other.

candy656

if you google "is my car insurance invalid without a MOT" you'll see the responses - no one seems to know. i wouldnt mind if i didnt pay my insuarance and tax etc but i'm all up to date - car was infact serivced 10 days ago - for new brake pads, new exhast etc. I pay my way and it was a genuine oversight. I'm very annoyed with myself!!!

Quentin

It won't invalidate your insurance!

But driving without an MOT is an offence (as you now know), which was why I advised you not to till you get it done!

vaio

candy656 wrote: »

if you google "is my car insurance invalid without a MOT" you'll see the responses - no one seems to know. i wouldnt mind if i didnt pay my insuarance and tax etc but i'm all up to date - car was infact serivced 10 days ago - for new brake pads, new exhast etc. I pay my way and it was a genuine oversight. I'm very annoyed with myself!!!

I did just google "is my car insurance invalid without a MOT" and the only finding on the uk pages was

https://forums.moneysavingexpert.com/discussion/comment/38485656#Comment_38485656

in there two knowledgeable sounding people have given an opinion and both agree that lack of MOT doesn't invalidate insurance