MOT expired the day of accident-help!

hugoshavez

The engineer is also paid to check that the damage is consistent with the circumstances described. This is, to varying extents, a subjective judgement.

If the engineer has niggling doubts about aspects of the damage a coincidence like those might tip him over into referring the claim for further checks.

Quentin

You don't (or won't!) see that whether or not the car has an MOT is irrelevant to the issue! Thus cannot be a fraud indicator!

hugoshavez

Irrelevant to what issue exactly?

Quentin

hugoshavez wrote: »

Irrelevant to what issue exactly?

The issue raised in this thread - whether or not the claim is covered by the policy (or your issue of the claim being genuine/fraud for that matter!)

hugoshavez

An indicator doesn't determine policy liability, or whether the claim is genuine. The clue's in the name.

Would you say the same of recent bankruptcy, chequered (but disclosed) claims history, claim on first day/week of cover?

But the insurers' staff wouldn't bat an eyelid because they're not relevant to the issue, right?

Quentin

The OP asked if his MOT was valid on the day of the incident. (It is).

But whether or not it is valid (or whether or not an MOT has been booked for some time in the future) is all irrelevant anyway!

If you could explain what fraud could be suspected (when the status of the MOT is irrelevant), perhaps we could get out of this circle! (Bearing in mind the claim is a "fault" one which is going to cost the OP!)

hugoshavez

MartiMc wrote: »

Just wondering if anyone knows whether my MOT expiration will affect my claim

Then we read the question differently.

You purely on policy liability, me more holistically.

To be clear, this is no accusation or sleight against the OP, just an example since you need one:

Someone takes their car in for an MOT, finds it's going to cost more than they can afford to get it through, can't afford to buy a similar new car. Feeling desperate they find handy a patch of ice, run the car into a lamp post and get on the phone to the insurers.

It happens. That's why an imminently due/expired MOT is a fraud indicator. Other enquiries might be triggered, or if the damage etc all checks out it might be dismissed.

Quentin

hugoshavez wrote: »

Then we read the question differently.

But that wasn't even the question!

MartiMc wrote: »

Now I'm not sure if the expiry date means the car was still covered by the MOT cert UNTIL 19th or whether it was in fact out of MOT on the 19th.....

This was the thread's "question"!

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(Your fraud scenario would be pointless - if the car was going to fail it's MOT and thus be unroadworthy then the policy would be void, meaning the would be fraudster would end up with the claim rejected!)

olly300

hugoshavez wrote: »

Someone takes their car in for an MOT, finds it's going to cost more than they can afford to get it through, can't afford to buy a similar new car. Feeling desperate they find handy a patch of ice, run the car into a lamp post and get on the phone to the insurers.

It happens. That's why an imminently due/expired MOT is a fraud indicator. Other enquiries might be triggered, or if the damage etc all checks out it might be dismissed.

If the car had that many faults it would likely to be one that was old and old cars aren't worth a lot so there won't be a big payout.

It would be easier for the OP to scrap the car themselves and buy a new one.

Edited to say: OP yes your MOT is valid and if you have the receipts etc for the servicing then definitely don't worry. Also are you aware that MOT centres where you can only get an MOT often don't allow you to make an appointment in advance.

Badger_Lady

olly300 wrote: »

If the car had that many faults it would likely to be one that was old and old cars aren't worth a lot so there won't be a big payout.

True, plus it would also not be roadworthy

Every case is of course different but I'll add my anecdote to the thread:

I had a write-off accident last year (it was a complicated motorway pile-up which only this week was resolved as someone else's fault). At the time of claiming it emerged that my MOT was a few days expired - I had three vehicles at the time and that particular renewal date had managed to slip my mind - but of course I knew that it was perfectly roadworthy.

I had a full value payout on my insurance (actually a slightly higher value than I'd expected), and the Police decided after speaking to me on the scene not to pursue charges for the out-of-date certificate.