Driving without MOT?

TonyMMM

gabbyevs wrote: »

do u have to have your previous certificate to have an mot done my sister has lost hers and has jsut realised she needs one done

No you don't .... all the info is held on computer these days, the test centre will be able to check details of the previous certificate.

TonyMMM

gabbyevs wrote: »

very confused just read an article that says it does invalidate your insurance if u have an accident

No it doesn't invalidate your insurance unless it is specifically stated as a condition in the insurance policy (very unlikely).

However, if there was to be a claim, any settlement offered would be much less as the value of the car without an MoT is less.

Rolandtheroadie

TonyMMM wrote: »

No it doesn't invalidate your insurance unless it is specifically stated as a condition in the insurance policy (very unlikely).

However, if there was to be a claim, any settlement offered would be much less as the value of the car without an MoT is less.

Still doesnt invalidate your insurance.

vaio

TonyMMM wrote: »

.......However, if there was to be a claim, any settlement offered would be much less as the value of the car without an MoT is less.

Certainly less but I’m not sure about “much less”.

The minimum reduction is going to be £100 or £200 (the cost of a test plus some hassle), if an insurance company starts looking for significantly more than that (in the absence of evidence of defects) then I’d be asking for justification.

Hammyman

scotsman4th wrote: »

Still doesnt invalidate your insurance.

IS NOT THE CORRECT ANSWER.

It depends on what your policy states. If it states that a car requires a MOT other than being driven to and from a pre-booked test they would pay out to a third party even if it invalidates it but they would pursue you for the money they paid out.

Rolandtheroadie

Hammyman wrote: »

IS NOT THE CORRECT ANSWER.

It depends on what your policy states. If it states that a car requires a MOT other than being driven to and from a pre-booked test they would pay out to a third party even if it invalidates it but they would pursue you for the money they paid out.

I think you're getting confused.
I'm sure I read somewhere if it could be proven that a defect in your car had caused the accident, the insurer would pay out the third party and probably pursue you for the costs.

But why would they pay out on an invalid policy at all?

Wheres all the " I didnt have an MOT, had an accident and now I'm getting points for no insurance" threads.

Lum

Pretty sure that insurance companies aren't allowed to invalidate it due to no MOT, though it may mean going to the ombudsman and lots of hassle.

Doesn't matter to the OP anyway as their MOT expires on Monday, so they are fine until 23:59:59 on Monday, then Tuesday morning they can go directly to their pre-booked MOT test and straight back home again if they fail, all perfectly legal.

pendulum

Hammyman wrote: »

IS NOT THE CORRECT ANSWER.

It depends on what your policy states. If it states that a car requires a MOT other than being driven to and from a pre-booked test they would pay out to a third party even if it invalidates it but they would pursue you for the money they paid out.

Ombudsman says different.
An MoT is just a document offence... they can reduce your payout to reflect your car was worth less without an MoT, but they can't invalidate a policy because of it, they'd need proof the car was unroadworthy and this contributed to the accident.

Just like they can't invalidate a policy for no tax.

sarahg1969

Section 148 (2)(b) RTA 1988 states that an insurer cannot refuse to deal with any third party claims where a policy of insurance has been issued regardless of the condition of the vehicle. Lack of MOT does not void or invalidate your policy, and it does not mean that the insurers can automatically reject an own-damage claim.

vaio

Lum wrote: »

Pretty sure that insurance companies aren't allowed to invalidate it due to no MOT, though it may mean going to the ombudsman and lots of hassle.

Doesn't matter to the OP anyway as their MOT expires on Monday, so they are fine until 23:59:59 on Monday, then Tuesday morning they can go directly to their pre-booked MOT test and straight back home again if they fail, all perfectly legal.

Yep, but it was monday the 25th of April so long sorted