MOT requirement for Insurance to be valid

raskazz

There are many threads on this issue. The insurer, basically, doesn't know what they are doing. The clause is unenforceable.

Gene_Hunt_2

mikey72 wrote: »

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

Quite easy, just ring em up book it in and drive it down.

mikey72

Gene_Hunt wrote: »

Quite easy, just ring em up book it in and drive it down.

My point exactly. I thought you were the advocate for booking the new mot before the old one expired?

Gene_Hunt_2

mikey72 wrote: »

My point exactly. I thought you were the advocate for booking the new mot before the old one expired?

No, he asked

giraffe69 wrote: »

Could they possibly go before it expires?

I said they could, nothing wrong in that.

Wig

bigjl wrote: »

I would suspect that as the policy now has a specific reference to these common problems, then the FOS will not have a issue with it, it is a specific reference in your T&C to keep your car legal to drive on the road.

Then you'd be wrong.

olly300

postie_bear wrote: »

my car does not have an mot and nor will it for the next 2.5 years. what happens then?

But is it roadworthy?

Your car may not need an MOT for 2.5 years but if you get it into a state where it's not roadworthy will Direct Line pay out?

paddedjohn

Is it not up to the insurance company wether or not to include this clause? They can choose not to insure you if you are under 25, if your car is too powerful, if you are a bad risk etc, surely its up to them who or what they will cover.

Quentin

paddedjohn wrote: »

Is it not up to the insurance company wether or not to include this clause?

Have you read up on this at all?

They can put what clause they like in their policies. But cannot enforce this one regarding a MOT.

Unfortunately they will get away with it with the paddedjohns who meekly accept it when told their claims are rejected if they can't produce a MOT.

michaels

I had an MOT fail when the number plate had delaminated slightly and apparently was no longer complaint. Of course I happened not to have the V5 with me, it was a Friday and I needed to use the car at the weekend. I phoned my insurer's who confirmed that I was covered except if a possible accident was as a result of the 'known fault' and also that if I were to claim the vehicle valuation would be adjusted for the cost of the 'known fault'. I decided to risk driving at the weekend and got it sorted first thing on the Monday but I guess now the insurance might refuse to cover.

vaio

michaels wrote: »

I had an MOT fail when the number plate had delaminated slightly and apparently was no longer complaint. Of course I happened not to have the V5 with me, it was a Friday and I needed to use the car at the weekend. I phoned my insurer's who confirmed that I was covered except if a possible accident was as a result of the 'known fault' and also that if I were to claim the vehicle valuation would be adjusted for the cost of the 'known fault'. I decided to risk driving at the weekend and got it sorted first thing on the Monday but I guess now the insurance might refuse to cover.

Nah, the only way they can not cover is if the car is unroadworthy AND that unroadworthyness caused or contributed to the accident

I struggle to see how a number plate could fall into that category