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Driving to Mot testing station without insurance

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  • s_b
    s_b Posts: 4,464 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    yo
    coconut island
    do us all a favour and scrap the thing
    you know it makes sense
    ask jimmy
    or ask a local garage to come and collect and mot because its bound to have sticky brakes and square tyres
  • thenudeone
    thenudeone Posts: 4,462 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    beanybot wrote: »
    Back in the day you would have got away with this but now with "day insurance" policy's you wont get much leeway from the Police.

    The Police don't give leeway on insurance.

    Either there is a policy in place which covers the driver to drive the car; Or there isn't.

    Just make sure that the driver has all the relevant proof with him / her to show the police. That way, if it is seized by police, the seizure will be illegal and the police will have to pay all the costs.
    We need the earth for food, water, and shelter.
    The earth needs us for nothing.
    The earth does not belong to us.
    We belong to the Earth
  • beanybot
    beanybot Posts: 46 Forumite
    thenudeone wrote: »
    The Police don't give leeway on insurance.

    I twice was stopped on route to an MOT by the police once 10 and once 15 years ago and was never a problem. They phoned the garage to check I was indeed booked for an MOT and let me on my way.

    I was saying that the ease of getting a day policy now they wont be lenient. Back then what were you supposed to do? take out a 12 month insurance policy for a 10 min drive? don't think so!
  • alastairq
    alastairq Posts: 5,030 Forumite
    For decades now, my [current] insurers offered a 'temporary additional vehicle' service.

    [They call it summat else now]....but for a modest fee one could insure another vehicle for a few days, a week, or, I believe, anything up to 3 months.

    You got [get?] a cover note for the period required...or currently an additional certificate...plus, I think these days details are added to MID? [it's a few years since I've used it]..

    So, if you already have a policy active, try your own company?
    No, I don't think all other drivers are idiots......but some are determined to change my mind.......
  • LandyAndy
    LandyAndy Posts: 26,377 Forumite
    Part of the Furniture 10,000 Posts
    I'd just drive it......but my MoT station is less than 400m away.
  • pendulum
    pendulum Posts: 2,302 Forumite
    Worth noting that you can buy insurance for a year and then if you cancel within 14 days, the insurer is limited for how much they charge. IIRC it would have cost me a £14 admin fee plus about a quid for every day (within the 14 days) if I had cancelled my last car insurance policy in the "cooling off period". Just check the cancellation rights and charges before you buy. After 14 days, expect to lose lots.
  • thegirlintheattic
    thegirlintheattic Posts: 2,761 Forumite
    Most policies with 'drive any car third party' require the car to be insured. Unless you can find someone with an open policy I'd ring up the garage and ask if they could collect the car for you, they will be able to drive it under their policy.
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  • thenudeone
    thenudeone Posts: 4,462 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    beanybot wrote: »
    I twice was stopped on route to an MOT by the police once 10 and once 15 years ago and was never a problem.

    i.e. before the police had access to a database of vehicle insurance policies or MOT validity. You must have been very unlucky to have been stopped.

    The issue wasn't MOT, it was insurance. If you'd admitted that you didn't have insurance you would have been reported for prosecution.
    We need the earth for food, water, and shelter.
    The earth needs us for nothing.
    The earth does not belong to us.
    We belong to the Earth
  • Aretnap
    Aretnap Posts: 5,750 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Be ccareful about using a mate with driving other vehicles cover - often the condition that the other car must have its own policy in place is buried somewhere in the policy documents, not printed on the certificate. Read the small print carefully, or your mate could get points and a fine, and you could be collecting your car from the pound and coughing up a big release fee.

    Day insurance or finding a garage willing to send someone to collect it may well be the easiest and safest options.

    Day in
  • Sgt_Pepper_2
    Sgt_Pepper_2 Posts: 3,644 Forumite
    As long as your mate has driving other vehicles they'll be fine. The database either says yes or no for driving other vehicles.
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