How does Expired MOT affect insurance claim?

sheramber

According to this the reminder service stopped in August 2014

https://www.gov.uk/getting-an-mot/when-to-get-an-mot

glentoran99

"The MOT text reminder service finished in August 2014"


I get a letter

Quentin

Free reminder service here (not a recommendation)

http://www.whenismymotdue.co.uk/mot-reminder/

bravodaman

"Did you know that in a recent survey nearly a third of drivers admitted to having driven without a valid MOT? Don’t risk a £1000 fine"

That first line says it all really - Definitely signing up to this service!

Thanks

bravodaman

*UPDATE*

Ok just got a call from an Engineer from the Insurance. Based on the estimates from the garage the car is now considered to be uneconomical to repair

Apparently the cost of repair is around £7,000 and the current market value of the car is only £8000.

I bought this car for almost £12,000 2 years ago!! Can a cars value depreciate that much ? Plus do I have any bargaining power over how much money I should receive based on the current market value (which is on average in the range of £9000 - £10,000).

Can’t believe a minor accident that I had could potentially result in my car being written off – Christmas is going to be tough

Quentin

You should gather up your evidence that their market value is way out and present them with it. Though presumably none of the evidence advertises a car with no MOT!

(Having no MOT does have some effect on market value)

bravodaman

I am currently building up a strong evidence regarding the current market value of the car on average compared to how much they are offering and will speak to them regarding this on Monday.

Now, my understanding is that the insurance is still unaware of the fact that the MOT is expired and I have checked with the person I hit and he confirmed that the insurance is sorting out his repairs too. I don't know if I am just lucky or this price they quoted is after the reduction of a non valid MOT.

Maybe I shouldn't chase it up much? or maybe I should get what the market value of the car is ? I don't know ?!?!

Thanks for all the feedback guys, especially Quentin - Much appreciated, will update the final result!

Quentin

It is likely they will ask you for the MOT certificate and other docs before settling with you.

(You should get the market value)

bravodaman

Oh, would they really ask for an MOT certificate ? well in that case I am screwed!!


Ok, hope you guys can help with the following:


1. I am assuming the engineer inspected the car and didn't find any critical issues that would have contributed towards the crash i.e. tyres, brakes etc.


2. How would I prove that the car was roadworthy? even though the MOT expired 3 months ago but:
- it was serviced recently
- changed tyres
- looked after well
- low mileage
- No mention of any issues with brake or tyres in the previous MOT certificate.


3. Should I maybe speak to the Financial Ombudsman and do they take up all cases or just selected ones?


Hope this helps, wouldn't really want this to drag along a lot longer either.

dacouch

It's up to your Insurance Company to prove the car was unroadworthy AND that this mostly likely caused – or was significantly contributed to the accident.

The ball is in their court, so to speak