Had an accident with no MOT!! Panicking

David_Aston

Is it actually legal to allow the MOT test to become so overdue? i.e possibly three months.

globalds

I bet you never forget your MOT again

Buellguy

David_Aston wrote: »

Is it actually legal to allow the MOT test to become so overdue? i.e possibly three months.

If your not using the vehicle, yep - why not

On another point - now they have gone over to the computerized system - why don't they send out reminders a la VED (cynical head on) is it because the government don't get revenue from it (cynical head off). Might stop people driving around with no MOT. Prime example - bought new car 3 years ago, now I know the MOT is due soon, but on what exact date, (having just moved house and sent off the V5), Oh and you can't check online without the V5 (ps I know, it's 17 Nov)

Loganfire

If you did not have a pre booked Mot test book for that day then you are at fault and your insurance company may not pay out

dispossessed

I can only reiterate what others have already said.

Provided that the M.O.T. test was pre-booked and provided you were taking a "reasonable" route (i.e. not via the local shops, stopping off for a coffee etc), then it should not present a huge problem.

Obviously, should your vehicle be examined and found to be unroadworthy, then the presence (or not) of a valid M.O.T is somewhat irrelevant.

brat

I'm not aware of dealing with an incident where no MOT (on its own) has negated the insurer's TP liability.

Certainly if I were to conduct a stop check of a vehicle with no MOT, that wouldn't be sufficient to consider reporting for no insurance too.

SteveJW

As a council MOT centre all MOT tests are pre-booked and logged in a diary, if VOSA the police or anyone else in authority asked if a test was pre-booked we would inform them

Reminders for MOT expiry dates, VOSA do offer a text reminder service at a cost of £1.50, for this you get four text messages, see

https://www.gov.uk/getting-an-mot/mot-text-reminder-service

paddedjohn

Loganfire wrote: »

If you did not have a pre booked Mot test book for that day then you are at fault and your insurance company may not pay out

Please ignore this rubbish above, the only problem you will have is if the scoot is written off, instead of getting full market price for it you may get a reduced amount based on it not being mot'd

Quentin

You don't have any cover for damage to your bike! So why panic that your policy is invalid (which it isn't anyway)

So your own insurance situation is irrelevant - they won't be interested in your claim, unless the third party claims against you.

As others have said, no mot only means that the market value of your bike may be reduced.

Just put in your claim to the third party's insurer, assuming no dispute over liability they will sort out everything for you, so no need to panic! (If it turns out you do have some liability, then your insurer will deal with any claim from the third party)

mkirkby

Ljones15 wrote: »

Just gunna tell them up front that its expired, don't even think the 'going to garage' will make any difference whatsoever. From what I've heard the worst case scenario would be getting a settlement reduced by 20%

Don't bother, a friend got tail-ended by someone when he no MOT. The car was roadworthy but he did genuinely forget and only remembered when he got all his docs out after the accident.

He just never mentioned anything and the insurers never looked into it. Driving without an MOT is *not* a massive issue for the police (even though you shouldn't do it). Driving an un-roadworthy vehicle is.

A valid MOT is not proof of road worthiness and the fine for the latter is much greater than the fine for the former.

Just keep you mouth shut for the moment. It's up to them to prove your bike was un-roadworthy which I would imagine is pretty hard to do now.

You should still give yourself a good slap for not getting it done though....