MOT related question - is interior required?

JethroUK

Wig wrote: »

You're new here, aren't you? You're wrong. If you were an insuring company, you would have no choice you would have to insure a car with or without an MOT, whether parked or being driven.

I will try to find a thread for you to read...here this one will do
https://forums.moneysavingexpert.com/discussion/417682

Lot of opinions there - so I'll stick to mine

I wouldn't insure a car that has no MOT (or expired MOT)

but since when have insurance companies followed any kind of logic - ergo you can only drive one car at any one time so should you only insure the most expensive (highest risk/highest premium) they would be 'in profit' whenever you are driving any of your other 6437846 cars

Tried to explain this to my insurers in 1978 ish and they still haven't figured it yet - although someone is doing multi-car insurance now

Wig

The problem with your opinion is that it's wrong, the rulings by the FSA makes you wrong. Those people you are disagreeing with, work in the insurance industry and have provided links to the FSA rulings, not just the link in that thread but other more detailed links that back up everything they say. We have had people come to our forum who have been refused a pay out by their insurers on grounds of no MOT, following these posters advice they have had this overturned and received a full payout.

You need to read posts 28, 39, 45 & 58

Insurance companies cannot refuse to pay out on a claim where there is no MOT even if the policy document has this as a requirement. The condition is unenforceable..

Flyboy152

Lum wrote: »

I actually avoided the need to repair a rear seat belt for the MOT by just taking it back with no rear seats

So....when you refitted the back seat....you had car that would have failed an MOT?

Flyboy152

latecomer wrote: »

Thanks - it will only take a few mins to put the passenger seat back in so will probably just do it. If it fails for anything related to the missing interior I'll post an update

If it has an airbag in the seat you will need to make sure that it is refitted properly. Some cars need to have the ECU updated to accept a "new" airbag. If the car thinks the airbag has not been re-fitted properly, the warning light will show and this will be an MOT failure.

Flyboy152

Joe_Horner wrote: »

Police were also wrong about the "MOT it or move it". There's nothing anywhere that says a parked-up car needs an MOT - the only offence is driving without one.

And no, not having an MOT will not invalidate your insurance before someone (inevitably) tries to involve the CI regs :silenced:

Unless Pumbien v Vines has been superseded, that's not strictly true.

Lum

Flyboy152 wrote: »

So....when you refitted the back seat....you had car that would have failed an MOT?

I didn't refit the back seat.

It was a £100 Volvo 460 used as a backup car for when one of our main cars is off the road.

Since there's just me and my GF, back seats aren't exactly a necessity.

Flyboy152

Lum wrote: »

I didn't refit the back seat.

It was a £100 Volvo 460 used as a backup car for when one of our main cars is off the road.

Since there's just me and my GF, back seats aren't exactly a necessity.

When Mrs Flyboy was my girlfriend, a back seat was a total necessity.

Lum

Flyboy152 wrote: »

When Mrs Flyboy was my girlfriend, a back seat was a total necessity.

We may have lived in the valleys at the time, but we're not into dogging.

Though do I have a memory of her upsetting some people who were. We'd driven out to take some photos of the countryside, not knowing what the locals actually used that spot for. They didn't take too kindly to her assembling a massive zoom lens on her camera while we were parked opposite and facing them.