MOT out of date

MichaelCR

catflea wrote: »

MichaelCR wrote: »

Vehicle Insurance will be invalid, Which can lead to loads of serious issues should you be invalid in any sort of accident.

A common misconception.

If the vehicle is roadworthy then its covered. If the vehicle is unroadworthy or there is a fault that is a contributory factor in the accident then it may not be. There are ombudsman rulings to this effect.

Although, I think in this case as its a case of pre-meditated illegal activity the OP might have a few problems

Yes, But some insurers will only pay out if you can prove that not having an MOT was not a contribution to the crash, I.e Worn brakes, Bald Tyres, or any other mechanical problem that would have been picked up from an MOT.

And no, We can't assume anything.

Why doesn't the OP Check the Insurance T&C's to see if it mentions anything about the insurance being invalid without a valid MOT.

Look for something like this.....

'Cover is only valid provided you're car has a valid U.K M.O.T test certificate, failure to comply may/will render you're policy invalid.'

If it does mention this and you're driving the vehicle, Then you have breached the T&C's of your contract therefore the insurance company has a right not to pay out any costs to you or third party damage, Which also means you are driving without a valid insurance policy, Which again will lead to various problems along the line, Also its an offense under the road traffic act to drive a vehicle without a MOT.

'Section 47 (1) of the Road Traffic Act 1988 states that it is an offence for anyone to drive, or allow or cause to be driven, a vehicle which requires, but does not have, a valid Ministry of Transport test certificate.'

sarahg1969

Wrong, Michael. If an insurance policy is in force, the insurers cannot back out of paying any third party claims. There was a thread on this subject a few days ago, in which I quoted the relevant section of the RTA, which also clears up your misconceptions.

Here you go:

Section 148 (2)(b) Road Traffic Act 1988:

http://www.legislation.gov.uk/ukpga/1988/52/section/148


And here's the thread:

https://forums.moneysavingexpert.com/discussion/3330506

JezCooke

If it's just a rear seatbelt issue then borrow a child's car seat from a friend/family member, install it in the problem seat and take the car for a new MOT before the weekend (you need a new MOT anyway after all). MOT test centres will skip the rear seatbelt test if a child seat is installed (it will be listed on the advisory notice that the test was skipped). You then would have the car legally MOTed in time for the weekend. Hopefully it goes without saying not to use the seat in question until it the belt is fixed of course!

catflea

The insurer is obliged to pay out to third parties provided that cover is effective at the time of the accident (i.e they had not yet cancelled it) regardless of the state of the vehicle. If it transpires that the vehicle has a fault that caused the accident then they will go after the policy holder for the money

vaio

vaio wrote: »

.......What really matters in this case is how old is the vehicle and how heavy it is

Care to share OP?

>>>>>>>>>>>>>>>

Eliza_2

It's a Honda import. Y reg. How heavy? I haven't a clue and can't imagine what difference it makes and it doesn't matter now anyway, thanks for all the advice.

bigjl

My mate never had any issues with parts on his Odyssey.

Is there a UK equivalent model?

vaio

Eliza wrote: »

It's a Honda import. Y reg. How heavy? I haven't a clue and can't imagine what difference it makes and it doesn't matter now anyway, thanks for all the advice.

Because age & weight defines what (if any) seatbelts are required.

There is a flow chart in the MOT manual that tells you but I suspect this is not an area that your average MOT tester will be familiar with so they’ll just inspect everything whereas (depending on age and weight) it might be that rear seat belts aren’t required on yours and so you could get an MOT in advance of getting the belt repaired.

mikey72

Even though the op appeared to have gone, it sounds like it's a proper, factory fitted belt in the cab part of the coversion, ie factory fitted vehicle seats. These require testing. Not seats in the dining area of the coversion, that are used to carry passengers when moving. Conversion seats do require seat belts by law to carry passengers, but are not subject to mot testing.

keystone

shaun_from_Africa wrote: »

I don't know if the police ANPR camera system is tied in to the MOT database, but if it is then you might well get ticketed.

LoL they are loaded with lots of different databases but no MOT certainly = "PING" = lets stop this one then.

Cheers