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I work in Insurance Claims for a major Insurer. If the claim is straight forward they will not check your license and Mot. If it is a non fault claim and the other person contests your version of events then the Insurer may look closer. My advice go along with things, keep it simple. Do not bring attention to your self with complaining etc
As i have worked in motor insurance for over 5 years I think I have a little insight on what an insurance company will do, as the person had no MOT the insurance company may not payout has he broken his terms and conditions of his contract with regard to his insurance policy. They could payout to the other party then claim back any costs from him, it has been know where insurance company take people to court to claim money back.
As to receiving a reduce amount for his bike being wrote of this is what we call in the insurance business as B@LL S@@T. However if he can provide proof to his insurance company that he had it pre-book at a MOT station they they will payout.
The Insurer will only look at Mot's if it is passed to a fraud department or a validation department for further checks. All straight forward claims go unchecked with most insurers. Only if there is a dispute or the policyholder brings attention to himself will further checks be done.
