Can I make an Insurance claim (not at fault) without valid MOT

123-rabbito

I have recently been in an accident where a car went into the back of mine. My car has been deemed a right off. The other party have accepted liability so I'm now processing claim on their insurance. However I have just noticed that my MOT expired 1st October! I have read that this would invalidate my car insurance. I have read my policy document (Tesco insurance) & cant see any mention of needing an MOT, although im sure it must say it somewhere! But as I am claiming on the other persons insurance will this still matter? But here's the crunch - the other person also has their insurance with Tesco! What's gonna happen?? Any help or advice would be greatly appreciated! Many Thanks!

Quentin

Firstly whatever anyone tells you, not having an MOT will not invalidate your insurance.

The downside for you is that not having an MOT could affect the cars value as far as your write off settlement is concerned.

vaio

123-rabbito wrote: »

.....What's gonna happen?? .......

You’ll get paid out but maybe with a slight reduction to reflect the lower value of a non MOT’d car.

Loughton_Monkey

Insurers are not interested in whether you have an MOT certificate (or even a driving licence for that matter). For the license, you only need to have held one in the past, and not excluded from having one... This means that Insurers cannot get out of anything due to (what is usually) a mere administrative matter.

If your car had failed its MOT, and you had simply not done anything about it, then that could be a different matter. But as has been said, a car without an MOT (for whatever reason) is less valuable than one with an MOT. Given that it is a write-off, it is unreasonable to get them to believe that it "would" have passed, because you cannot prove that any more.