Car accident (at no fault) but no MOT

tiwkoo

I have just had my car written off in an accident. I was clearly not at fault as I was hit from the rear by a driver who is totally admitting he wasn't looking where he was going. We have had a nice family car written off.
When I finally arrived home after the accident I was concerned to discover my MOT was out of date. I had totally forgotten to renew it and it was in fact several months expired. The car was taxed and fully-comp insured.

As the accident wasn't my fault, will having no MOT make a difference?

Thanks for any advice offered.

krok

tiwkoo wrote: »

I have just had my car written off in an accident. I was clearly not at fault as I was hit from the rear by a driver who is totally admitting he wasn't looking where he was going. We have had a nice family car written off.
When I finally arrived home after the accident I was concerned to discover my MOT was out of date. I had totally forgotten to renew it and it was in fact several months expired. The car was taxed and fully-comp insured.

As the accident wasn't my fault, will having no MOT make a difference?

Thanks for any advice offered.

Im sorry to say that it is your own fault. As the driver you should have checked that your car was roadworthy.
Also your insurance will not pay anything out as you must have a valid mot for it to be valid.

Sorry.

espresso

krok wrote: »

Also your insurance will not pay anything out as you must have a valid mot for it to be valid.

Sorry.

Rubbish!

Please don't post on topics that you obviously don't understand as it is not helpful.

krok

espresso wrote: »

Rubbish!

Please don't post on topics that you obviously don't understand as it is not helpful.

Explain yourself

HappyMJ

Agree with Espresso. The car should be roadworthy to get full payment but it doesn't have to have a MOT. The insurance will always be valid. Even if no insurance is held (which is a separate offence) the claim is made on the other party's insurance and the repairs or payment made to the claimant.

ihateyes

Having an mot or not does not let the other driver off.
If the police are involved, then you could be in trouble.

Im not certain, but i dont think the insurance would refuse to pay out, unless, the accident was your fault, and down to the unroadworthiness of the car.

dacouch

krok wrote: »

Explain yourself

Having an MOT makes no difference to an Insurance policy, the only difference it can make is that a car without an MOT is worth less so if it's written off you get a bit less.

The above is irrespective of what the Insurer puts in the policy as they cannot invalidate a policy for lack of an MOT

krok

dacouch wrote: »

Having an MOT makes no difference to an Insurance policy, the only difference it can make is that a car without an MOT is worth less so if it's written off you get a bit less.

The above is irrespective of what the Insurer puts in the policy as they cannot invalidate a policy for lack of an MOT

I am led to believe that if your car has no mot then your car is classed as not roadworthy and as such is not covered by any insurance.
Please tell me if i am wrong.

chanz4

Just hope its not a write off as they will ask for the mot

krok

chanz4 wrote: »

Just hope its not a write off as they will ask for the mot

It was a write off and the op does not have a mot.
That is my point.

zzzLazyDaisy

OP all you can do is wait and see what the insurer requires. There is certainly no automatic rule that the insurance won't pay out.

The following link concerns a similar situation in 2012

http://www.theanswerbank.co.uk/Insurance/Question1099009.html

It is unfortunate but there is nothing you can do about it now, except wait and see what happens. It would be useful though if you can keep us informed of your progress, for other people who may be reading the thread.

D

Edit - they don't always ask for the MOT as the insurer can check that in the national data base these days.