School boy error - no mot

iamana1ias

candy656 wrote: »

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..

Hang on. Country lane with side roads? You should have been prepared for someone pulling out and the driver in front slamming on the anchors. You hitting then proves you were driving too close.

As for your mot invalidating insurance - depends on the insurer. What do your policy docs say?

Quentin

iamana1ias wrote: »

As for your mot invalidating insurance - depends on the insurer. What do your policy docs say?

Ignore this.

Irrespective of what your policy says, not having an MOT does NOT invalidate your insurance.

vaio

iamana1ias wrote: »

.......As for your mot invalidating insurance - depends on the insurer. What do your policy docs say?

:rotfl::rotfl::rotfl::rotfl::rotfl:

candy656

i didnt think i was that close to be honest - but i guess i cant dispute that. i definately dont intend to drive the car.
my point is i cant get tax without insurance and mot so if the mot runs out why would the insurance company not notify you that it had and would render it void if it was THAT important. sorry a naive female driver!

Quentin

Don't worry about the MOT (as far as your insurance is concerned).

You do need one now before you drive, and it may be the damage you have sustained would mean it failing an MOT until the repairs are completed.

candy656

Should i admit to the insurance company straight away that MOT has lapsed?
i havent phoned them yet..

vaio

candy656 wrote: »

i didnt think i was that close to be honest - but i guess i cant dispute that. i definately dont intend to drive the car.
my point is i cant get tax without insurance and mot so if the mot runs out why would the insurance company not notify you that it had and would render it void if it was THAT important. sorry a naive female driver!

because they don't know and neither do they care because, once again, lack of MOT (or tax) does not invalidate insurance

Quentin

candy656 wrote: »

Should i admit to the insurance company straight away that MOT has lapsed?
i havent phoned them yet..

No need to mention it. Cross the bridge when you come to it. (Which insurer are you with)

Do you have comprehensive insurance?

vaio

What are the ages & models of the cars involved and what sort of damage was incurred by them?

candy656

full comp with elephant.