How does Expired MOT affect insurance claim?

vaio

Hey, if there is enough drink involved I'll (and I'm sure the others) will travel, it would be rude (and not very MSE) to turn down free beer.

As far as the paltry compensation is concerned it might be worth referring Churchill to section 15 of the valuation document Dacouch linked to, particularly the second bit about

“……compensation for loss of use of the vehicle where the insurer unreasonably delays, or wrongly declines, the claim…..”

I’d have said you qualify on both counts and the suggested rate is £10 a day.

abalfour

I was actually trying to see what my position was in Hong Kong where I live. It seems similar to the UK. Thankfully, I've not had a crash. What I would like to say to all those concerned is that I think you've missed the point. If I were the guy who had sustained £1,500 worth of damage to his own car (or indeed to someone else's), I would quietly withdraw my claim from the insurance company on the basis that it didn't want it affecting my no-claims bonus. If you pursue your claim, you run many, many risks. First, you are defrauding the insurers by not giving them correct information (and trust me - if they can trace this string, they will). Second, you have committed a criminal offence by driving without an MOT and possibly without insurance (let alone the tax disc). All this JUST isn't worth it. You will come up on insurance databases for ever more and, if for example, you ever had to claim on house insurance, you would be a prime candidate for investigation so your claim could be delayed for months. People just don't get insurance! It's a scam industry, just like credit cards. I don't use insurance unless the liability is unlimited. This true for disability, medical, car and a few others relating to third party liability, but not household content. I just set money aside for all the policies I would have bought and, unless i'm very unlucky and have various calamities within the first few months, it should cover itself and after 20 years you probably have a nest egg rather than the shareholders of the insurance company!

Phirefly wrote: »

Hi, I've searched the threads where this issue has been discussed previously, sorry if I'm repeating but I'm just looking for confirmation on a point raised.

I had a minor at fault bump resulting in almost 1.5K of repairs to my car the DAY after my MOT expired without me realising (hows your luck ) I was oblivious and the claim was set in motion. Now I've realised my mistake I'm in a dilemma over whether to tell my insurers about this or if its not worth it. The car is booked in to be repaired in a couple of weeks and thus far all I've been told by the insurers is that I will need to pay my £150 excess diectly to the bodyshop.

I've seen it stated on this forum that for minor reparable claims, insurance companies do not require you to produce a valid MOT certificate. Is this a fact?

Many thanks in advance

dacouch

abalfour wrote: »

I was actually trying to see what my position was in Hong Kong where I live. It seems similar to the UK. Thankfully, I've not had a crash. What I would like to say to all those concerned is that I think you've missed the point. If I were the guy who had sustained £1,500 worth of damage to his own car (or indeed to someone else's), I would quietly withdraw my claim from the insurance company on the basis that it didn't want it affecting my no-claims bonus. If you pursue your claim, you run many, many risks. First, you are defrauding the insurers by not giving them correct information (and trust me - if they can trace this string, they will). Second, you have committed a criminal offence by driving without an MOT and possibly without insurance (let alone the tax disc). All this JUST isn't worth it. You will come up on insurance databases for ever more and, if for example, you ever had to claim on house insurance, you would be a prime candidate for investigation so your claim could be delayed for months. People just don't get insurance! It's a scam industry, just like credit cards. I don't use insurance unless the liability is unlimited. This true for disability, medical, car and a few others relating to third party liability, but not household content. I just set money aside for all the policies I would have bought and, unless i'm very unlucky and have various calamities within the first few months, it should cover itself and after 20 years you probably have a nest egg rather than the shareholders of the insurance company!

Ignore this as virtually all of it is incorrect as demonstratred by this result of this thread if you read through

thenudeone

abalfour wrote: »

I would quietly withdraw my claim from the insurance company on the basis that it didn't want it affecting my no-claims bonus.

That is a reasonable point but depending on your history and premium level it may still be worthwhile.

abalfour wrote: »

If you pursue your claim, you run many, many risks. First, you are defrauding the insurers by not giving them correct information

Complete rubbish. Who said anything about incorrect information?
The insurers are aware of the position regarding the MOT. The policyholder told them when he was asked

abalfour wrote: »

Second, you have committed a criminal offence by driving without an MOT

That, as we have already established, isn't directly relevant to your insurance policy.

abalfour wrote: »

and possibly without insurance

As we have already established, that is NOT the case.

abalfour wrote: »

I don't use insurance unless the liability is unlimited. This true for disability, medical, car

Does HK not have compulsory motor insurance?

abalfour wrote: »

I don't use insurance ... I just set money aside for all the policies I would have bought and, unless i'm very unlucky and have various calamities within the first few months, it should cover itself and after 20 years you probably have a nest egg rather than the shareholders of the insurance company!

How fast can you build up a nest egg of c £200k to pay the average rebuilding cost of an average house, if yours is destroyed by fire? Or £2m to pay for lifetime care of some you seriously injured in a road accident?

What a blatantly stupid idea.

forgotmyname

Blimey.. Took you 5 years to respond to a post.

Thought I typed slowly.

Utter rubbish...

pcrosland

Yeah I have been caught out by this make sure your up to speed on your MOT.

thenudeone

pcrosland wrote: »

Yeah I have been caught out by this make sure your up to speed on your MOT.

What do you mean?

Are you saying you allowed your insurers to dodge out paying a claim for a reason which the ombudsman has already stated isn't a valid reason?

If so, Why?

trug123

My father was involved in a minor accident. The car was well looked after with low mileage and was still driveable but the insurance wrote it off, mainly because its age was against it.
The other driver admitted fault and everything was going smoothly untill they asked him to send in his documents. He is now panicking as he has found out his mot was expired at the time of the accident. I do not think they offered him enough to be able to replace like for like anyway but now we are worried he may get nothing and to make matters worse the other driver is with the same insurance company. Please help.

dacouch

trug123 wrote: »

My father was involved in a minor accident. The car was well looked after with low mileage and was still driveable but the insurance wrote it off, mainly because its age was against it.
The other driver admitted fault and everything was going smoothly untill they asked him to send in his documents. He is now panicking as he has found out his mot was expired at the time of the accident. I do not think they offered him enough to be able to replace like for like anyway but now we are worried he may get nothing and to make matters worse the other driver is with the same insurance company. Please help.

Have you read this thread?

trug123

I have read the majority of the thread, thank you, have you. I understand what has been said but sometimes circumstances can vary which can make a difference to the outcome. The other driver was at fault and as stated in this thread, it would be wiser to deal with the third parties insurance than go through your own. The problem we have, is that both parties are with the same insurance company, so we are not sure if we will be treated as fairly as we would if they were seperate companies. Instead of them fighting for us they will be trying to save themselves money.