Accident - MOT expired - advice please!

cardinalbiggles

You may very well be insured but you should get a severe ticking off/fine/points or whatever for driving without an MOT.

The MOT is there to protect other road users from dangerous vehicles, your vehicle may not be dangerous but its a legal requirement.

I guess on the positive side you wont forget about you MOT again in a hurry

JCP

Sorry if I've given incorrect information - hadn't intended to.
I was actually aware that no MOT didn't automatically invalidate your insurance.
I just thought that if the policy explicitly states this, then it was a valid condition of insurance. They have actually changed the documentation this time around to state this - it wasn't there previously.

Gene_Hunt_2

cardinalbiggles wrote: »

You may very well be insured but you should get a severe ticking off/fine/points or whatever for driving without an MOT.

The MOT is there to protect other road users from dangerous vehicles, your vehicle may not be dangerous but its a legal requirement.

I guess on the positive side you wont forget about you MOT again in a hurry

Please read before you post.

There no are points for no MOT and the severe penalty is a £60 ticket. If the poilce weren't involved thats not going to happen.

Quentin

JCP wrote: »

I just thought that if the policy explicitly states this, then it was a valid condition of insurance. They have actually changed the documentation this time around to state this - it wasn't there previously.

That is exactly what they want you to think!

They know it's an unenforceable condition, but that wouldn't stop them trying it on in the event someone made a claim when they had no MOT, and most folk would just accept it!

Maybe you should write to them and tell them how disappointed you are with them and their cynical unenforceable condition, and suggest they change it!

Quentin

Gene_Hunt wrote: »

There are points for no MOT and the severe penalty is a £60 ticket.

Having no MOT is not an endorsable offence, so there are no points for this. (You can get fined up to £1000 though if it's dealt with in court)

Gene_Hunt_2

Quentin wrote: »

Having no MOT is not an endorsable offence, so there are no points for this. (You can get fined up to £1000 though if it's dealt with in court)

Yeah I know typing error.

Usually about £10 fine at court.

esmerobbo

"The MOT is there to protect other road users from dangerous vehicles, your vehicle may not be dangerous but its a legal requirement."

The MOT says it was not dangerous during the period the test was carried out. In the view of the tester! Gives no guarantee once it leaves the testing station!

cardinalbiggles

esmerobbo wrote: »

"The MOT is there to protect other road users from dangerous vehicles, your vehicle may not be dangerous but its a legal requirement."

The MOT says it was not dangerous during the period the test was carried out. In the view of the tester! Gives no guarantee once it leaves the testing station!

Of course that goes without saying, however we do need some sort of regulations in place for motor vehicles. Your never going to stop dangerous cars but if you can limit them then surely thats a good thing.

esmerobbo

cardinalbiggles wrote: »

Of course that goes without saying, however we do need some sort of regulations in place for motor vehicles. Your never going to stop dangerous cars but if you can limit them then surely thats a good thing.

I agree.;)

newfoundglory

Inactive wrote: »

A vehicle can still be roadworthy without having a valid MOT.

And by the same, a car with an MOT may not be roadworthy.