MOT requirement for Insurance to be valid

Zanzibar

I see a fair few questions re. ' do you need a current MOT' to be covered by your insurer' and the general answer was no.

I see from my new First Direct renewal policy that they are explicitly adding this as a requirement now:

"We have added a requirement that your car must have a valid MOT, if required and that items such as tyres and tinted windows must meet the legal requirements.'

There was also the grey area of driving other peoples cars - most policies don't mention a requirement that the other car requires its own specific cover to be in force buy its owner. This is also now added in to be explicitly required.

Plus cover went up 10% - nice!

Inactive

So how can anyone legally drive to an MOT station, if their MOT has expired?

I would tell First Direct where to poke their insurance.

mikey72

I think the FOS may disagree with them if they try and enforce it.

vikingaero

They can make up all the BS they want to. What matters is the FOS and any Court rulings. I imagine a fair few people accept that they won't get a payout for no MOT and this clause is designed to fool those who aren't knowledgeable.

hubert_cumberdale

wrong post deleted

surreysaver

[QUOTE=Inactive;401

20150]So how can anyone legally drive to an MOT station, if their MOT has expired?
[/QUOTE]

But you do not need an MOT to drive to an MOT station, so therefore an MOT isn't legally required, and as such you wouldn't be in breach of the policy?

Wig

surreysaver wrote: »

But you do not need an MOT to drive to an MOT station, so therefore an MOT isn't legally required, and as such you wouldn't be in breach of the policy?

This is true, and what is implied by the policy wording, but the basic fact is that the policy wording -for any other situation- is unenforceable anyway.


The driving other cars with insurance clause is enforceable. And it could soon become law, but it's not yet.

giraffe69

So how can anyone legally drive to an MOT station, if their MOT has expired?

Could they possibly go before it expires?

Gene_Hunt_2

giraffe69 wrote: »

Could they possibly go before it expires?

Yes, they could.

mikey72

Gene_Hunt wrote: »

Yes, they could.

I just re-mot'ed a car that had an mot that expired in 1985.
How do I do that then?

mikey72

Wig wrote: »

This is true, and what is implied by the policy wording, but the basic fact is that the policy wording -for any other situation- is unenforceable anyway.


The driving other cars with insurance clause is enforceable. And it could soon become law, but it's not yet.

It's about to, indirectly.
If a car has no insurance it must be sorned very shortly. No insurance - no tax- can't be used on a third party extension.