Heeeelp Please!!!! Underwriters.....

kaykay_2

I was wondering whether anyone works or has knowledge of car insurance underwriting. My husband had his car stolen, not yet been recovered. When he got all his documents together he realised that his MOT ran out 14 days earlier. He has not exactly said to his insurance that he doesnt have an Mot more, just that he cant provide a certificate. The insurance company have said that in the case of no documentation to prove MOT his claim will be reduced by 10% almost £1,000. Can they do this? Would he be in trouble if he openly admitted to the police that he had no MOT? If he admitted to the insurance that it ran out two weeks earlier would he lose his claim completely? I would be really really grateful for any advice available. His insurance was fully comprehensive.

brazilianwax

As an MOT is a legal requirement for cars on public roads, it would depend very much on where it was stolen from.

If it had been driven somewhere (work? supermarket? town?) and not kept off the road then he has committed a criminal offence and the insurance company should be well within their rights to reduce the settlement for that.

gazza975526570

Tell the truth definately.

If they later find out you dont have one after telling them it is lost they could look to repudiate your claim and cancel your policy on the basis of upmost goodfaith being lost. You would then struggle to get insurance after you would need to declare this fact and having a fraudulent mark hanging over your name

In respect of what decision the insurer takes will depend on who it is - incidentally who is it? Some look to deduct 10% others just deduct the cost of an actual MOT certificate. I dont know of any that look to repudiate - having said that it doesnt mean there arent any.

Ive got to admit ive nearly forgotten MOT's several times - dont know why we dont get a reminder like with road tax.