Car accident (at no fault) but no MOT

Jamie_Carter

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'm no expert, but I've just had a look at the terms and conditions for LV insurance, and It looks like the insurance companies (assuming they all have similar t&c's), may have a get out clause:

What is not covered under Sections 1 and 2

continued



n loss or damage if you have not taken reasonable care to protect your

car, see ‘Care of your car’ under the general conditions section;

Section 13 General conditions
You must give us reasonable access to examine your car and if asked

send us evidence of a valid MOT and/or evidence the car was regularly

maintained and kept in a good condition.

martinthebandit

krok wrote: »

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.

Your wrong.

Jamie_Carter

martinthebandit wrote: »

Your wrong.

See post 12

rs65

Jamie_Carter wrote: »

See post 12

See post 7

Parking_Trouble

I suggest that if the other driver is at fault they must still pay for the damage, MOT or no MOT. If written off the value will probably be reduced. A car without an MOT is clearly worth less.

If you were at fault your insurer would pay for any third party claim and you'll have a bun fight over repairs to your own vehicle, especially if the condition contributed to the accident, e.g. poor brakes.

Mind you an MOT is like a visit to the STI clinic. A day after your check up there is no knowing what they could find.

dacouch

Jamie_Carter wrote: »

I'm no expert, but I've just had a look at the terms and conditions for LV insurance, and It looks like the insurance companies (assuming they all have similar t&c's), may have a get out clause:



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That is entirely unenforceable.

This subject comes up frequently and posters keep saying no mot means the policy in invalid. They are wrong

martinthebandit

Jamie_Carter wrote: »

See post 12

I have done and guess what? That's wrong too :cool:

Filip

Cue quentin - he loves this subject

dacouch

Filip wrote: »

Cue quentin - he loves this subject

He's probably as bored as I am of correcting miss informed people on this matter.

Parking_Trouble

FOS view of road worthiness and value http://www.financial-ombudsman.org.uk/publications/technical_notes/motor-valuation.html#4