MOT is late so i'm late applying for car tax..help!

yogiberr

hiya,

I put my car in for MOT at last minute.The car required more work than I thought.Repairs are still outstanding.The car should have been taxed today but obviously I can't tax it until i have valid MOT.

Will I be fined if i'm a couple of days late in taxing car?If so, any way to minimise the fine?

Many thanks,

yogi

plutoniumpilot

You might be ok if it is just a few days - it says on the direct.gov website that they do a check each month. However if the police or vosa catch your vehicle on the public road you will get fined/clamped. Police may also seize your car as it won't have an MOT although you can drive to and from a pre booked MOT test (albeit without tax). Also if that's not enough insurance may also be invalid. Hope that helps, It's not easy owning a car these days!

scheming_gypsy

You shouldn't be fined if you're a few days late. Just have the repairs done, get it MOT'ed and go straight to the post office for tax and Bob's yer aunties husband.

yogiberr

hiya,

Ta for all the replies folks.I got it done and hopefully that's the end of it :-)

yogi

paddedjohn

plutoniumpilot wrote: »

You might be ok if it is just a few days - it says on the direct.gov website that they do a check each month. However if the police or vosa catch your vehicle on the public road you will get fined/clamped. Police may also seize your car as it won't have an MOT although you can drive to and from a pre booked MOT test (albeit without tax). Also if that's not enough insurance may also be invalid. Hope that helps, It's not easy owning a car these days!

Why are people still trotting out this claptrap, INSURANCE IS NOT INVALIDATED DUE TO NO TAX OR MOT.:mad:

bungle4by4

paddedjohn wrote: »

Why are people still trotting out this claptrap, INSURANCE IS NOT INVALIDATED DUE TO NO TAX OR MOT.:mad:

you know, i didn't know that... always thought it was true :beer:cheers ears.

plutoniumpilot

paddedjohn wrote: »

Why are people still trotting out this claptrap, INSURANCE IS NOT INVALIDATED DUE TO NO TAX OR MOT.:mad:

Hi,

I said it "may" affect your insurance depending on the terms in your policy. If you check the direct.gov website it even states this. Some policies state your car must be legally allowed on the road so if the car has no valid MOT (roadworthy or not) then the insurer may decide to reduce the payout to third party only - this happened to my friend. Insurers are unlikely to not payout - it's all ifs and maybes....

Wig

plutoniumpilot wrote: »

Hi,

I said it "may" affect your insurance depending on the terms in your policy. If you check the direct.gov website it even states this. Some policies state your car must be legally allowed on the road so if the car has no valid MOT (roadworthy or not) then the insurer may decide to reduce the payout to third party only - this happened to my friend. Insurers are unlikely to not payout - it's all ifs and maybes....

The problem with this is (if Direct gov says this) that Direct gov advice is incorrect, and insurers policies that say this are unenforceable. And your friend if it did happen to them should have come to this forum and we would have got his insurer to pay out IN FULL as we have done for more than one poster in the past.

Insurance CANNOT be invalidated for not having an MOT or tax.... FACT.

plutoniumpilot

Wig wrote: »

The problem with this is (if Direct gov says this) that Direct gov advice is incorrect, and insurers policies that say this are unenforceable. And your friend if it did happen to them should have come to this forum and we would have got his insurer to pay out IN FULL as we have done for more than one poster in the past.

Insurance CANNOT be invalidated for not having an MOT or tax.... FACT.

Yeah this would have been useful to know - it was about 2 or 3 years ago. Just had a look at my policy from Lv and it says you must have valid MOT and tax disc. Are they talking bill hooks?

spiro

plutoniumpilot wrote: »

Yeah this would have been useful to know - it was about 2 or 3 years ago. Just had a look at my policy from Lv and it says you must have valid MOT and tax disc. Are they talking bill hooks?

If they put it in their T&Cs and refused to pay I an guessing you would have to go to court to prove the terms were unreasonable unless a precident has already been set.

Wig/paddedjohn - does such a precident exist? If not then the T&Cs are the T&Cs.

Lum

Ombudsman has ruled many times that they can't invalidate your policy for no MOT or tax.

However, if you were unlucky enough to have your car written off, they could pay out "market value" for a car with no MOT and/or tax on it.

For someone just taking their car to/from an MOT test at a local garage then the risk of this is very very tiny indeed.

For chancers who are using their car day to day and just not bothering to MOT or tax it, the risk is a lot higher, but then they probably paid a lot less for the car in the first place, assuming they paid for it at all.